--- title: "Digital Banking Platform for Banks and Fintechs | S-PRO" url: https://s-pro.io/digital-banking lang: en description: "Digital and mobile banking platform for banks and fintechs, built on your core. Live B2B banking at a US community bank. 350+ projects, 26 private banks." updated: 2026-11-04T20:20:48+00:00 source: S-PRO (https://s-pro.io) --- 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. [Discuss digital banking](https://s-pro.io/get-in-touch) [Back to offering](https://s-pro.io/) **01**Mobile and web banking product **API**Core, BaaS, CRM and fintech integrations **UX**Daily-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 balance**CHF 248,300**Private Banking · Premium SSavings goal fundedRound-ups moved automatically PPortfolio insightAllocation drift detected MMarketplace offerPre-approved Lombard line **Client home feed**Balances, next-best actions, insights and servicing in one high-frequency screen. cards / controls Card controlsLive **3**Active cards **12k**Monthly limit **0**Open disputes VVirtual cardOnline payments · frozenFrozen PPremium cardTravel category limit updatedActive AApproval flowLarge card transaction pendingReview **Cards and control center**Issue 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 nudges**Behavioral insights that create recurring use and power product recommendations. admin / growth analytics Growth analyticsSegment view **42%**Active users **18%**Marketplace CTR **7.4k**Support deflections RMAffluent segmentRecommend Lombard credit campaignLaunch AIChurn signalLow engagement in 14-day cohortAlert **Back-office growth dashboard**Product 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 banking**Accounts, balances, beneficiaries, transfers, statements, limits, standing orders and product catalogue APIs. **KYC and identity**Identity verification, document capture, sanctions and PEP screening, client risk rating and periodic review triggers. **Payments and cards**Card processor, payment rails, fraud checks, transaction enrichment, dispute flows and spend controls. **CRM and servicing**Support messages, RM tasks, Salesforce or equivalent CRM sync, secure inbox and complaint workflows. **Data and analytics**Event 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. Delivered platforms ## Digital banking platforms we have delivered These are real client projects; the screens above on this page are illustrative product examples. S-PRO has delivered 350+ projects in 33 countries, 55% of them for fintech, and works with 26 private banks and 50+ fintech challengers. ### New Horizon Bank (US community bank) Web-based B2B banking on the DCI core: account and payment management, wire and ACH transfers, internal transfers, user roles, limits and approvals. In production since December 2025. [Read the case study](https://s-pro.io/casestudy/new-horizon-bank-digital-banking-platform) ### AMINA (Swiss-regulated bank) New web and mobile client experience on a new API layer to the core banking system. [Read the case study](https://s-pro.io/casestudy/a-new-digital-banking-experience-for-amina) ### Sygnum An integration platform connecting 20+ partner banks; more than a third of Switzerland had access via partner banks in 2024. ### oneBanking (Malta-based fintech) The entire mobile app for everyday banking in tiered plans, with an AI assistant; a pre-launch beta with simulated funds. [Read the case study](https://s-pro.io/casestudy/onebanking-fintech-app) 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 **Adoption**Move more daily banking activity into owned digital channels. **Revenue**Cross-sell cards, lending, wealth products and marketplace offers. **Cost**Reduce routine servicing load through self-service and automation. **Speed**Launch new features through a reusable product and integration layer. Questions ## Digital banking: questions buyers ask ### Can a digital banking platform run on top of our existing core? Yes. At New Horizon Bank we built the platform on the DCI core through an integration API layer, and at AMINA we added an API layer between the channels and the core system. The core stays in place; the client experience and new modules are built around it. ### How long does the first phase take? The first phase, discovery and product definition, typically takes 2–4 weeks. It can be run as a design thinking pilot from CHF 20k, which defines the use case, architecture and path to production. ### Which payment workflows can a B2B banking platform cover? In the New Horizon Bank project, three payment workflows are live: wire transfers, ACH transfers and internal transfers, with user roles, limits and approvals. ## 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. [Book a product session](https://s-pro.io/get-in-touch) [Return to S-PRO fintech](https://s-pro.io/) Link copied to clipboard Language - [EN](https://s-pro.io/digital-banking) - [DE](https://s-pro.io/de/digital-banking) - [FR](https://s-pro.io/fr/) [Get in touch](https://s-pro.io/get-in-touch)