Digital Banking Platform | S-PRO
Grow revenue / Digital Banking

Banking built for modern financial life

A custom digital and mobile banking platform for banks, private banks and fintech challengers. It combines everyday money movement, financial wellbeing, open API extensibility and bank-grade controls into one product experience.

01Mobile and web banking product
APICore, BaaS, CRM and fintech integrations
UXDaily-life feed, insights and servicing
client app / mobile feed
S-PRO PrivateCHF
248,300
Accounts, cards, portfolio and support in one app
SAutomatic savingsRound-ups moved to goal account+420
PPFM insightSubscriptions increased 18%View
MMarketplace offerPre-approved investment productOpen
Product screens

The buyer should see the banking product, not only read about it

The page now shows representative screens for the mobile client app and the operational layer a bank needs to run it. These are S-PRO-style product screens inspired by the digital banking patterns from the reference page.

mobile / daily feed
Total balanceCHF 248,300Private Banking · Premium
SSavings goal fundedRound-ups moved automatically
PPortfolio insightAllocation drift detected
MMarketplace offerPre-approved Lombard line
Client home feedBalances, next-best actions, insights and servicing in one high-frequency screen.
cards / controls
Card controlsLive
3Active cards
12kMonthly limit
0Open disputes
VVirtual cardOnline payments · frozenFrozen
PPremium cardTravel category limit updatedActive
AApproval flowLarge card transaction pendingReview
Cards and control centerIssue cards, freeze, limit, dispute and route approvals without calling support.
pfm / wellbeing
Financial wellbeing
SpendGoalsCashflow

Monthly spend

Insight

!Subscriptions up 18%3 duplicate tools detected
PFM and client nudgesBehavioral insights that create recurring use and power product recommendations.
admin / growth analytics
Growth analyticsSegment view
42%Active users
18%Marketplace CTR
7.4kSupport deflections
RMAffluent segmentRecommend Lombard credit campaignLaunch
AIChurn signalLow engagement in 14-day cohortAlert
Back-office growth dashboardProduct teams see adoption, campaigns, cohorts and next-best revenue actions.
Product scope

Everything a client expects from a modern bank

Adapted from proven consumer digital banking patterns: a daily-use experience first, with infrastructure flexible enough for private banking, retail banking and fintech products.

Daily money movement

Accounts, transfers, cards, bill pay, remote deposit flows, beneficiary management and support messages surfaced where clients expect them.

Financial wellbeing

Automatic savings, personal finance management, connected-account views, goals and behavioral insights that create recurring engagement.

Open framework

API-first architecture for core banking, BaaS, custodians, CRM, support tools and third-party fintech services.

Growth analytics

Segmentation, referral journeys, campaign triggers and adoption dashboards so product teams can grow revenue after launch.

Product modules

A modular banking product, not a one-off app

Clients can start with the minimum viable banking experience and expand into cards, lending, wealth, marketplace and AI servicing without rebuilding the product layer.

Client app

Mobile and web banking

Balances, statements, transfers, cards, support, alerts and profile management across mobile and browser.

Onboarding

Account opening and KYC

Configurable onboarding journeys for retail, affluent, SME or private-bank clients, with KYC and document capture.

Payments

Money movement

Domestic transfers, scheduled payments, bill pay, beneficiaries, limits and approval flows aligned with the bank's rails.

Cards

Cards and controls

Virtual and physical card views, freeze/unfreeze, spending controls, limits, PIN workflows and transaction dispute hooks.

Engagement

PFM and financial wellbeing

Connected accounts, categorization, goals, automatic savings, nudges and a daily-life feed for high-frequency engagement.

Growth

Marketplace and analytics

Offer placement, segmentation, referrals, dashboards and product analytics to drive new revenue after launch.

Architecture

Built on your stack, not around it

The platform can sit on top of a legacy core, a BaaS provider, a custodian bank or a hybrid architecture. S-PRO designs the product layer and integration contracts around the bank's actual operating model.

01

Core layer

Accounts, payments, cards, limits and portfolio data mapped into stable APIs.

02

Product modules

Mobile banking, cards, PFM, marketplace, servicing and analytics built as reusable modules.

03

Experience layer

Client feed, onboarding, money movement and RM workflows tuned by segment.

04

Release cycle

Regular releases keep the app secure, modern and conversion-focused.

Implementation

What needs to connect before go-live

A buyer usually wants to know how painful the installation will be. This is the integration map we validate in discovery, then convert into delivery workstreams.

Core bankingAccounts, balances, beneficiaries, transfers, statements, limits, standing orders and product catalogue APIs.
KYC and identityIdentity verification, document capture, sanctions and PEP screening, client risk rating and periodic review triggers.
Payments and cardsCard processor, payment rails, fraud checks, transaction enrichment, dispute flows and spend controls.
CRM and servicingSupport messages, RM tasks, Salesforce or equivalent CRM sync, secure inbox and complaint workflows.
Data and analyticsEvent tracking, customer segmentation, consent, product analytics, operational dashboards and campaign triggers.
Delivery

From concept to launch-ready banking product

We define the product, design the interface, build the integration layer, implement modules, test security and ship in controlled releases.

Discovery sprint

Customer jobs, regulatory constraints, stack audit, module roadmap and release plan.

Product build

Design system, app screens, APIs, backend services, QA automation and analytics.

Security and compliance

Access control, audit logs, data protection, secure SDLC and release governance.

Growth iteration

Segmentation, marketplace offers, referral loops and dashboard-driven optimization.

Security and controls

Built for regulated banking teams

The product page is not enough unless the buyer can picture risk approval. We include security, compliance and operations requirements in the first implementation plan.

Strong authentication

MFA, device binding, session controls, step-up authentication and configurable risk triggers.

Role-based operations

Back-office roles, maker-checker flows, approvals, entitlement management and full administrative audit trail.

Data protection

Encryption, secrets handling, PII minimization, consent, retention controls and secure event pipelines.

Release governance

Automated regression tests, accessibility checks, security testing, release notes and production rollback plan.

Buyer pack

What the client receives before signing the build

The goal is to reduce purchase risk: stakeholders should understand scope, budget drivers, dependencies and what a launch-ready product looks like.

Product artifacts

  • Target segments, journeys and module roadmap
  • Clickable UX prototype and design system direction
  • Feature backlog split into MVP, launch and growth releases
  • Analytics taxonomy and success metrics

Implementation artifacts

  • Integration inventory and API contract plan
  • Security and compliance checklist for approval
  • Delivery timeline, team model and governance cadence
  • Testing, migration and launch-readiness plan
Typical first phase: 2-4 weeks for discovery and product definition, followed by an MVP build plan aligned to the bank's integration complexity.
Commercial outcomes

What the business case is usually built around

AdoptionMove more daily banking activity into owned digital channels.
RevenueCross-sell cards, lending, wealth products and marketplace offers.
CostReduce routine servicing load through self-service and automation.
SpeedLaunch new features through a reusable product and integration layer.

Launch a banking product clients actually want to use.

Bring S-PRO a core, a BaaS stack or a fintech concept. We will turn it into a product page, roadmap and build plan your stakeholders can evaluate.

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