Digital Banking Solutions
Digital banking solutions that modernise customer channels, automate operations and open banking capabilities through APIs.
- 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 |
Division
Service area
Digital Banking & Neobanks
Engagement
Project · Team · Managed
Overview
Where digital banking development focuses on building a new product, our digital banking solutions help existing banks and credit institutions modernise what they have: redesigning customer journeys, automating manual back-office processes, exposing capabilities through APIs, adding AI-assisted servicing and improving the reliability of digital channels. Engagements are structured around measurable improvements rather than wholesale replacement.
Common use cases
- Journey redesignDigitising account opening, loans or card applications.
- Back-office automationAutomating manual operations and reconciliations.
- API bankingExposing services to partners and fintechs.
- AI-assisted servicingAssistants for customers and service staff.
Quick answers
Digital Banking Solutions at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is digital banking solutions?
- Digital banking solutions that modernise customer channels, automate operations and open banking capabilities through APIs.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Journey analysis
- Channel modernisation
- Process automation
- API layer
- Data & analytics
- Reliability improvements
- Which technologies are used?
- Double-Entry Ledgers, ISO 20022, Open Banking APIs, Java, Kotlin, Swift — chosen to fit your stack and constraints.
- How does the process work?
- Product & partner model → Core design → Integrations → Experience build → Launch readiness.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Journey analysis
Identify drop-off and manual steps in key journeys.
Channel modernisation
Updated web and mobile experiences.
Process automation
Workflows and document processing for operations.
API layer
Secure APIs over core and product systems.
Data & analytics
Customer and operational insight dashboards.
Reliability improvements
Monitoring and resilience for digital channels.
Architecture
Engineered right from day one
The layers we typically design for digital banking & neobanks, adapted to your stack and partners.
- Ledger accuracyDouble-entry accounting with immutable journal entries and daily reconciliation.
- Partner abstractionBaaS and banking partners behind adapters to avoid lock-in.
- Operational toolingBack-office for support, disputes, limits and manual adjustments with maker-checker.
- Regulatory positioningRegulated services provided by licensed partners; we deliver the technology.
Delivery
How an engagement runs
- 1
Product & partner model
Define products, customer segments and licensed partners providing regulated services.
- 2
Core design
Account structures, ledger, product rules and money movement flows.
- 3
Integrations
Sponsor bank or core system, payment schemes, card processor, KYC and screening providers.
- 4
Experience build
Onboarding, accounts, payments and support journeys across mobile and web.
- 5
Launch readiness
Testing with partners, operational tooling, reconciliation and controlled launch.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Digital Bank
A configurable digital banking platform for banks and licensed partners.
Learn moreShivacha Neobank
Launch a mobile-first neobank on a platform built to scale.
Learn moreShivacha Banking API
Secure, versioned banking APIs over any core — with sandbox and developer portal.
Learn moreRelated services
Often combined with
Digital Banking Development
Build digital banking platforms for retail and business customers — onboarding, accounts, payments, cards and servicing.
Learn moreOpen Banking Development
Open banking integrations and platforms — account information, payment initiation, consent management and data analytics.
Learn moreMobile Banking App Development
Secure, intuitive mobile banking apps with biometrics, real-time payments, cards, insights and in-app support.
Learn moreDedicated team
Banking Technology Team
Engineers for digital banking, core integration and banking APIs.
Work & 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 moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
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 moreFAQ
Frequently asked questions
Can improvements be delivered without replacing the core?
Yes. Most of these improvements sit in channel, orchestration and automation layers above the core.
Do you work with credit unions and smaller banks?
Yes. The approach scales to institutions of different sizes, with priorities set by impact.
Do we need a banking licence to launch a neobank?
Many neobanks launch in partnership with a licensed sponsor bank or e-money institution, while others hold their own licences. That is a legal and strategic decision for you and your advisors; our platforms support both models technically.
Can you integrate with our existing core banking system?
Yes. We build API layers and middleware over existing cores, or implement a modern ledger alongside the legacy core for new products.
Next step
Discuss Your FinTech Product.
Tell us about your digital banking solutions requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.