Digital Banking Development
Build digital banking platforms for retail and business customers — onboarding, accounts, payments, cards and servicing.
- 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
Digital banking development covers the full customer-facing and operational stack of a modern bank or banking product: digital onboarding with KYC integration, accounts and sub-accounts, domestic and international transfers, cards, statements, notifications, support and the back-office behind it. We build for incumbent banks launching digital brands and for fintechs partnering with sponsor banks, with a ledger that reconciles to the partner's books daily.
Common use cases
- Digital brand for an incumbent bankA new digital proposition built alongside the legacy core.
- Partner-bank digital productA fintech offering accounts through a licensed sponsor bank.
- SME banking propositionBusiness accounts with invoicing and expense tools.
- Digital channel replacementReplacing outdated online and mobile banking.
Faster route to launch
Start from our white-label digital banking platform.
Most digital banking development projects don't need to begin from zero. Shivacha Digital Bank provides a production-ready foundation that we customise to your brand, workflows and integrations — or we engineer a fully custom platform where your requirements demand it.
Typical implementation
4–6 weeks
Advanced customization
Customization
Highly customizable
Advanced builds: 6–10+ weeks
- White-label
- Production-ready
- Customizable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
Quick answers
Digital Banking Development at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is digital banking development?
- Build digital banking platforms for retail and business customers — onboarding, accounts, payments, cards and servicing.
- 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?
- Digital onboarding
- Accounts & balances
- Transfers
- Customer servicing
- Security
- Core integration
- 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
Digital onboarding
KYC/KYB integration, document capture and risk checks.
Accounts & balances
Current accounts, savings pots and multi-currency.
Transfers
Domestic, international and scheduled payments via partners.
Customer servicing
Statements, disputes, limits and support tools.
Security
Strong authentication, device binding and fraud controls.
Core integration
APIs over existing cores or a modern ledger.
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
FinTech Software Development
FinTech software development across banking, payments, lending and wealth — ledger-first, partner-ready and built for audit.
Learn moreNeobank Development
Launch a neobank with a mobile-first experience, modern ledger and licensed banking partners — from MVP to scale.
Learn moreCore Banking Platform Development
Modern core banking components — ledger, product engine, interest, fees and limits — or integration with existing cores.
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 you build on our existing core banking system?
Yes. We build API and orchestration layers over existing cores, so the digital experience can evolve independently.
How do you handle strong customer authentication?
With biometric and device-bound authentication, step-up challenges for sensitive actions and risk-based policies, aligned with the requirements of your markets.
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 development 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.