Digital Banking Platform is designed to integrate all customer service channels in a Bank. It allows centralizing the management of services and payments and supports omnichannel cases for all remote service channels. Depending on business needs you can use only part of all possible functions, for example, Mobile and Internet banking, or the solution for expanding functionality on ATM.

Digital Banking Platform is developed as an off-the-shell solution and delivered as a box. The core of all main Platform components uses the release model and is identical for all customers. It supports backward compatibility. New releases are offered to customers as a part of technical support. Customization of the platform for a certain customer can be carried out by adjusting the settings, adding plugins and custom modules developed with the help of variety of SDK, standardized API and other expansion points.

An important advantage of Digital Banking Platform is availability of its own integrated software for all customer service channels – mobile and web-applications, ATM Web Host, softwares for cash desks and self-service kiosks and so on. Implementing Digital Banking Platform Bank provides coverage of all necessary customer service channels for the current moment and for the development prospect. Open API of the platform allows connecting third-party vendors’ applications or applications developed by Bank’s employees.

Customer service channels initially integrated into one platform. All internal actions between channels are going online. As a result, Bank has an opportunity to ensure the implementation of any omnichannel service’s cases. A client can start an operation in one service channel and continue it in other channels. During these operations data saves automatically.

Digital Banking Platform designed to dealing with highly loaded projects with a large number of clients and transactions. All system components can be scaled horizontally. The use of database optimized as high as possible; most operations perform in random access memory. There are various caching levels for optimizing queries in the bank’s back systems. The metrics for using platform on high loads in real customers’ projects provide on request.

Digital Banking Platform has a committed component (Access Manager) which is responsible for the security and authorization of bank employees and clients. Access Manager supports standard authentication protocols, SSO. With the help of it various client authentication scenarios can be implemented.

The operating hub built into the Digital Banking Platform is the transactional core of the platform. It provides payment acceptance to any service providers, internal and external bank client’s transfers, as well as other non-financial operations (application for a loan, opening a deposit, application for a card, etc.)

API of the Digital Banking Platform were developed as an open programming interface. This approach allows the Bank to use not only standard front-end applications of the platform, but also develop applications independently or with the help of third-party vendors.