Banking & Financial Solutions
Build, scale, and secure modern financial infrastructure. From core banking integration to digital wallets, instant credit scoring, and open banking API gateways.
Empowering Modern Financial Institutions with Cloud-Native Banking Software
As customer expectations evolve, financial institutions require fast, resilient, and compliant technology stacks to remain competitive. Autofya builds custom internet banking applications, mobile wallets, digital loan origination engines, open banking microservices, and core banking middleware engineered for high transaction velocity and uncompromised security.
Offered Services
Comprehensive software engineering and technical consulting tailored specifically for banks and financial institutions.
Web & Internet Banking Platforms
High-security corporate and retail web banking portals built for frictionless multi-currency transfers, bill payments, and account statements.
Core Banking Systems (CBS) Integration
Seamless integration, data migration, and API middleware layer connecting legacy core banking backends with modern digital channels.
Mobile Financial Services (MFS) & E-Wallets
Next-gen iOS and Android e-wallet applications supporting P2P transfers, QR code merchant payments, mobile recharge, and micro-savings.
Digital Loan Origination Systems (LOS)
Automated credit scoring engines, digital KYC verification, document processing, and instant loan disbursement workflows.
Open Banking & API Gateways
PSD2-compliant secure Open Banking APIs enabling third-party fintech ecosystem integrations and embedded finance partnerships.
Payment Gateway & Switch Integration
High-frequency payment processing pipelines integrating Visa, Mastercard, SWIFT, EFTN, RTGS, and instant settlement networks.
Card Management & Processing Systems
Comprehensive credit, debit, and prepaid card issuance, pin management, transaction authorization, and cardholder self-service portals.
Cybersecurity Audit & Compliance
End-to-end vulnerability assessment, penetration testing, PCI-DSS Level 1 certification readiness, and ISO 27001 compliance auditing.
Robotic Process Automation (RPA) in Banking
Automating back-office reconciliation, cheque clearing, loan processing, compliance reporting, and customer onboarding tasks.
Treasury & Cash Management Solutions
Real-time liquidity management, foreign exchange transaction tracking, corporate cash pooling, and automated sweep accounts.
Anti-Money Laundering (AML) & Automated KYC
Real-time sanction screening, PEP list matching, suspicious transaction monitoring, and biometric e-KYC verification pipelines.
Wealth Management & Investment Portfolios
Robo-advisory engines, mutual fund trading portals, asset allocation dashboards, and real-time market data feed integration.
Technologies We Use
We leverage battle-tested, high-performance technology stacks designed for mission-critical financial applications.
Java / Spring Boot
Backend & Microservices
Node.js / TypeScript
API Middleware
Python / FastApi
AI & Risk Analytics
React / Next.js
Frontend & Portals
Flutter / Swift / Kotlin
Mobile Apps
PostgreSQL / CockroachDB
Databases
Oracle DB / DB2
Legacy Storage
Apache Kafka
Event Streaming
Docker & Kubernetes
Cloud & DevOps
Redis / Memcached
High-Speed Cache
HashiCorp Vault
Security & Secrets
Prometheus & Grafana
Monitoring & APM
Financial Sectors We Serve
Tailored software architectures designed for specific financial regulatory frameworks and operational models.
Commercial & Retail Banks
Modernize branchless banking, internet portals, and omni-channel customer experiences.
Financial Services & Asset Management
Automate portfolio management, fund accounting, and institutional trading gateways.
Banking & Fintech Solution Providers
Empower fintech founders to launch card programs, micro-lending, and digital wallets.
Microfinance Institutions (MFIs)
Digitize field collection, mobile micro-loans, and paperless loan disbursements.
Non-Banking Financial Companies (NBFCs)
Streamline lease financing, asset-backed credit evaluation, and compliance audits.
Central Banks & Regulatory Bodies
Build automated regulatory reporting pipelines, RTGS monitoring, and audit trails.
TRUSTED BY INSTITUTIONAL BANKS & FINANCIAL INSTITUTIONS
Bank-Grade Security & Governance
Protecting financial assets with multi-layered cryptography, hardware security modules, and strict compliance controls.
PCI-DSS Level 1 & ISO 27001
Full compliance auditing for credit card data vaulting, tokenization, and physical data center governance.
99.999% Availability SLA
Active-active multi-datacenter deployment ensure your banking channels remain online through hardware failures.
Real-Time Risk & Fraud Scoring
Machine learning anomaly detection algorithms flag suspicious transfers and account takeover attempts in milliseconds.
Measurable Banking Outcomes
Tangible performance metrics delivered across institutional banking deployments.
Daily Financial Transactions
Engineered fault-tolerant transaction pipelines processing high transaction volumes effortlessly.
Core Banking Uptime
High-availability active-active microservices clusters with zero planned downtime.
Faster Loan Approvals
Automated digital credit scoring reduces loan processing time from days to under 5 minutes.
Regulatory Compliance Audit
Fully compliant with PCI-DSS Level 1, ISO 27001, OWASP Top 10, and central bank regulations.
Reduction in Fraud Incidents
Real-time AI transaction risk scoring detects and blocks unauthorized activity instantly.
Real-Time Open Banking Sync
Bi-directional API gateways delivering sub-second balance checks and payment settlements.
Building a Next-Generation Digital Wallet Platform Processing $500M+ Annually
Autofya architected and launched a cloud-native Mobile Financial Services (MFS) platform for a major commercial bank. The solution supported instant QR merchant payments, micro-savings, and seamless core banking API integration.
Technical Highlights
- ✓Event-driven Kafka microservices for sub-second P2P transfers.
- ✓Biometric e-KYC integration reducing onboarding from 2 days to 3 minutes.
- ✓Full PCI-DSS Level 1 compliance certification achieved on initial audit.
Banking Solutions FAQ
Ready to Modernize Your Banking Technology?
Connect directly with an Autofya banking technology architect to discuss custom core integration, MFS apps, or open banking compliance.