Digital banking technology for banks and credit institutions.
Digital channels, core modernisation, APIs, payments and AI-driven operations for retail, business and corporate banking.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Banks must deliver consumer-grade digital experiences on top of cores designed decades ago, while meeting strict security, resilience and regulatory expectations. Full core replacement is risky; standing still is not an option.
Shivacha helps banks modernise incrementally: new digital channels, API layers over existing cores, sidecar ledgers for new products, payment modernisation including ISO 20022, AI-assisted servicing and operations automation — and, where strategy calls for it, digital asset and tokenization capabilities.
Industry problems
Challenges in Banking
Legacy cores
Core systems limiting product change.
Digital expectations
Customers comparing banks with neobanks.
Operational cost
Manual servicing and reconciliation.
Open finance
Partners and regulators expecting APIs.
Solutions
How we address them
Digital channels
Modern mobile, web and business banking.
API layers
Banking capabilities exposed securely.
Sidecar cores
Modern ledgers for new products alongside legacy.
AI operations
Assistants and automation in servicing and back-office.
FinTech Transformation
Digital banking, payments modernisation, embedded finance and operations automation for banks, lenders and payment companies.
Learn moreLegacy Modernization
Incremental modernisation of monoliths, mainframe-era systems and outdated platforms using strangler patterns and parallel running.
Learn moreWeb3 Transformation
Digital asset strategy, tokenization, stablecoin rails and institutional infrastructure for enterprises and financial institutions.
Learn moreServices
Services for Banking
Digital Banking Development
Build digital banking platforms for retail and business customers — onboarding, accounts, payments, cards and servicing.
Learn moreCore Banking Platform Development
Modern core banking components — ledger, product engine, interest, fees and limits — or integration with existing cores.
Learn moreBanking API Development
Banking APIs for accounts, payments, cards and data — secure, versioned and documented for partners and internal teams.
Learn moreMobile Banking App Development
Secure, intuitive mobile banking apps with biometrics, real-time payments, cards, insights and in-app support.
Learn moreCorporate Banking Platform Development
Corporate banking and cash management platforms: liquidity views, host-to-host payments, trade workflows and entitlements.
Learn moreBank-Blockchain Integration
Integrate core banking and payment systems with blockchain networks — tokenized deposits, settlement and asset services.
Learn moreProducts
Ready-to-launch platforms
Shivacha Digital Bank
A configurable digital banking platform for banks and licensed partners.
Learn moreShivacha Banking API
Secure, versioned banking APIs over any core — with sandbox and developer portal.
Learn moreShivacha Card Management
Technology infrastructure for card-program integrations.
Learn moreShivacha Digital Asset Platform
Institutional digital asset operations: custody access, policies, trading and reporting.
Learn moreShivacha AI Workflows
Orchestrate processes where rules, integrations, AI and people each do their part.
Learn moreShivacha Document AI
Extract, validate and route data from any business document.
Learn moreWork & insights
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn morePermission-aware enterprise knowledge assistant
How we design a RAG assistant that answers from thousands of internal documents while respecting every user's access rights.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreModular monolith first: when microservices are actually worth it
Microservices solve organisational scaling problems and introduce distributed-systems problems. Most products should earn them.
Learn moreTransformation measured in shipped systems, not slideware
Transformation programmes succeed when every phase ships something that changes how customers are served or how work gets done.
Learn moreFAQ
Frequently asked questions
Can you modernise without replacing our core?
Yes — API layers, sidecar cores and incremental migration deliver value without big-bang replacement.
Do you support business and corporate banking?
Yes, including entitlements, approvals, bulk payments and host-to-host connectivity.
Build for Banking.
Tell us about your initiative and we will propose an approach, team and plan.