Digital Banking Development Services

Work with our experienced team to build a banking product that resonates with your customers and investors. We will co-create a range of solutions with you, from online banking portals to full-service wealth management solutions. Access new revenue streams, take an omnichannel approach to products and services, and define a new digital future for your financial institution.

Our Digital Banking Development Services

Take your financial offerings and products to the next level with our design and development services. We work with you, taking a project approach and addressing your specific needs to employ best practices and develop the ideal answers for your use case.

Our digital banking services include:

  • Design and development of digital banking solutions
  • UX/UI analysis and optimization
  • Integrations with third-party, core banking and KYC/AML solutions
  • Security audits
  • Ongoing maintenance

Digital Banking Development — Solutions We Offer


S-PRO can help your neobank develop the technologies it needs to be as nimble and transparent as possible. S-PRO neobank services include:

  • UI/UX design creation and implementation
  • Ideation workshops for designing the customer experience (CX)
  • API integration
  • Customization or development of white-label and SaaS solutions from scratch that can be reused or sold
  • KYC, AML, and fraud detection
Banking API Integrations

Today’s financial services providers must combine a mix of products to generate solutions that best help their customers and differentiate their offerings in the marketplace. S-PRO’s banking API integration services allow your solutions to integrate with a variety of fintech and third-party offerings so that it is as comprehensive and customized an offering as possible. S-PRO’s API integration services include:

  • Middleware
  • Backend services
  • Microservices
  • UI/UX design
  • Third-party service integrations
  • Integrations with open banking API (open banking API standard)
  • Banking infrastructure
  • Business process creation tools (Camunda)
Digital Asset Management Platforms

S-PRO works in partnership with your financial institution to develop DAM systems that allow for the ingestion, storage, retrieval and life cycle management of wage-related assets. Partner with S-PRO to develop a wage management solution with features that meet your needs, including:

  • User Authorization for buying and selling of assets
  • Asset management
  • Asset statistics
  • Purchases
  • Selling processes
  • User-friendly admin panel for concise management and analytics
  • Budget management
  • Comparative market analysis
  • Comparative analysis of wages by region
Digital KYC and Onboarding Solutions

KYC and AML requirements demand the most precise and structured onboarding procedures for your customers. S-PRO helps you develop onboarding protocols that meet all regulatory requirements, providing:

  • Comprehensive onboarding screening procedures
  • Extensive risk checks & analyses
  • Easy and secure document generation
  • Channel migration between in-branch and mobile
  • Direct feeding of customer data into your bank’s CRM system

The S-PRO Digital Banking Development Process

Working in partnership with S-PRO allows you to focus on business goals while we focus on development.
Stage 1

Client Value Definition

We establish a contract and assign key stakeholders and partners to work on your account throughout your project.
Stage 2

Product Discovery

Next, we enter into a detailed discovery process to uncover your business needs and develop a detailed plan.
Stage 3

PoC Development

In this initial stage of the product development cycle, we begin designing the solution and test the validity of our approach in a Proof of Concept, confirming the product's viability in real-world scenarios before initiating development.
Stage 4

MVP Development

With a foundation in Lean principles, this stage of your development process involves beta testing a Minimum Viable Product with early adopters amongst your customers, providing key feedback on your solution.
Stage 5

Production Ready

In this stage, you have a production-ready solution capable of meeting the demands of your users and confirmed by the PoC and MVP testing done in previous stages.
Stage 6


The final stage of our development process involves S-PRO overseeing the ongoing maintenance of your solution so you can remain focused on your high-level business goals.

Our Customer Success Stories

Our team developed a white-label solution designed to allow our client to attract more customers and extend a ready-to-go solution for executing electronic payments to startups and merchants.
S-PRO updated a client’s legacy banking interface with a new mobile product comparable to the Revolut, Monzo, or N26 mobile banking system in the US market, providing an optimized user experience and delivering enhanced smart banking products to end-users.
Crypto Wallet
Our team developed a mobile application that allows users to create a cryptocurrency wallet, transfer XXX and other tokens to it, store and exchange these assets, as well as make money from them.

Digitalization in Banking

Cloud and Server-Hosted Solutions
Data security is a top priority at banks, and different banks need to execute specific security policies based on region and KYC/AML requirements. S-PRO helps you develop an approach that addresses these high-level security demands while still allowing you to extend services that enhance user experience and generate new revenue streams for your financial institution.
Platform Adoption
Creating an interface for an application to integrate with other systems means vetting a variety of approaches, including mobile, web, chatbots (API), and third-party integrations. The team at S-PRO guides you through the selection process, beginning with a Proof of Concept and testing various APIs to ensure a top-tier solution that directly addresses your needs.
High-Data Intelligence
High-data intelligence drives smarter decisions and more performant solutions. S-PRO can help you leverage high-data intelligence to reduce risks, make the right calls and gain key insights into your customers. We will help you create highly scalable data management solutions that transform data into insight, streamlining real-time financial decisions and generating customer-focused solutions.


How much will my project cost?

A banking MVP can cost around $95,000, however, everything is determined by the complexity of the project. We provide an approximate estimation of the cost, ranging from minimum to maximum.

How do you meet financial services security standards?

We Adhere to Standardized FinTech Security Practices & Requirements:

PCI DSS and PA DSS Compliances?

PSD2 Integration

We Help You Comply with Financial Regulations:

We have expertise in financial regulations, spanning the USA, several European countries, and Mexico.

We Understand Blockchain Technology Integration:

We have experience in integrating FinTech projects with the blockchain to encrypt transactional data from start to finish.

How do you ensure product stability?

We guarantee product stability by:

  • Picking the application architecture and technologies that are most suitable for the product;
  • Conducting a variety of tests during the software development life cycle;
  • And carrying out load testing.
How long does it take to develop a banking software project?

Step 1. Comply with requirements

  • Product ideation: 2-5 days
  • Prototype creation: 1-3 weeks
  • Banking MVP build-up: 2-3 months
  • Full-fledged product: 3-6 months
What possible challenges will I face during the development of a banking software project?

To provide banking services, you require a license under the legislation of the country in which the system operates.

Please note, we can provide consultations and help to facilitate the meetings with the necessary parties, but the procurement of a license ultimately falls to the client.

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Contact Us

We would like to know more about your request. Let's schedule a free estimation call and discuss the next steps.
Fill out the form or email us at
Or call us +41 79 535 63 77
Zurich, Switzerland
Hardturmstrasse 161, 8005
Zug, Switzerland
Dammstrasse 16, 6300
R&D Centers
Lodz, Poland
Zachodnia 70, 90-403
Lviv, Ukraine
Heroiv UPA 71, 79000
Kyiv, Ukraine
Verkhnii Val St, 24, 04071
Business Representatives
Salt Lake City, USA
Kiln SLC, 26 S Rio Grande St, UT 84101
Austin, USA
11801 Domain blvd., 3rd Fl, Austin, TX 78758
Amsterdam, Netherlands
Science Park 608, 1098 XH
Let’s discuss your project

    Zurich, Switzerland
    Hardturmstrasse 161, 8005
    Zug, Switzerland
    Dammstrasse 16, 6300
    R&D Centers
    Lodz, Poland
    Zachodnia 70, 90-403
    Lviv, Ukraine
    Heroiv UPA 71, 79000
    Kyiv, Ukraine
    Verkhnii Val St, 24, 04071
    Business Representatives
    Salt Lake City, USA
    Kiln SLC, 26 S Rio Grande St, UT 84101
    Austin, USA
    11801 Domain blvd., 3rd Fl, Austin, TX 78758
    Amsterdam, Netherlands
    Science Park 608, 1098 XH