Creuto is now an OpenAI Select Partner Read More
Banking Experiences Built for a Mobile-First World.
We build mobile and online banking platforms for banks, credit unions, and neobanks, covering digital onboarding, accounts, transfers, cards, and customer servicing, integrated securely with core banking systems.
Trusted by teams building what's next
Customers now judge their bank largely by its app. They expect to open an account in minutes, freeze a card in one tap and see a transfer land instantly, and they compare every bank with the best digital experience they have used. Slow onboarding, branch-dependent servicing and dated online banking push deposits towards neobanks and digital-first competitors that move faster.
As a digital banking software development company, we build mobile and online banking that sits cleanly on top of the core. Onboarding, accounts, payments, cards and servicing are designed around the ledger and the rules of your licence, then connected to Temenos, Mambu, Finastra, Thought Machine or a legacy core through APIs, middleware or an integration layer that handles batch-only systems.
Security and regulation are part of the architecture rather than a final review. Strong customer authentication under PSD2 and SCA, device binding, biometrics, PCI DSS controls for card features, AML and KYC screening and GDPR data handling are built in, alongside the supervisory expectations of the FCA, RBI, SAMA or CBUAE depending on where you operate.
Whether you are a bank replacing an ageing online banking channel, a credit union adding mobile features, or a neobank launching on a banking-as-a-service partner, we deliver digital banking that customers trust and operations teams can support. Open banking APIs, AI assistants and modular product configuration let you keep adding features without waiting on the core release cycle.
Document capture, liveness, sanctions and PEP screening with Onfido, Sumsub or Jumio, and risk-tiered account limits so genuine customers are funded and transacting on the same day.
An orchestration layer between channels and Temenos, Mambu, Finastra or a legacy core, so new digital features ship without waiting for core release windows or batch cycles.
Biometrics, passkeys, device binding and risk-based step-up built to PSD2 and SCA, with exemptions handled correctly so security does not add friction to low-risk actions.
Virtual and physical cards issued through Marqeta or your processor, with freeze, limits, merchant category controls and push provisioning to Apple Pay and Google Pay.
Account information and payment initiation APIs to Open Banking UK and Berlin Group standards, with consent management, third-party provider onboarding and monitoring dashboards.
In-app chat, AI assistants for balances, payments and disputes, and self-service servicing requests that resolve common queries before they reach a contact centre.
0+
Products delivered
0+
Years of engineering
0%
Client satisfaction
0+
Industries served
0+
Countries with live products
Each one designed with your teams, integrated with the systems you already run, and engineered to scale.
eKYC, document verification, and account opening in minutes.
Accounts, transfers, bill payments, and statements on iOS and Android.
Virtual cards, freezes, limits, and spending controls.
Biometrics, device binding, and multi-factor security.
Secure APIs for account aggregation and third-party services.
In-app chat, AI assistants, and self-service requests.
Other banking & financial services areas with a dedicated page.
The product categories digital banking organisations most often ask us to build, from focused mobile apps to multi-tenant platforms.
iOS and Android banking with accounts, transfers, cards, statements and servicing for retail and business customers.
Digital-only banking products built on a licence or a banking-as-a-service partner, from onboarding to ledger.
Browser-based banking for retail and SME customers, often replacing an ageing channel in phases.
Multi-user access, payment approvals, bulk payments, invoicing and accounting software connections for companies.
Standalone onboarding journeys with eKYC, credit checks and product selection that feed the core.
Regulated account information and payment initiation APIs with consent dashboards and developer portals.
Accounts, cards and payments exposed through APIs for brands embedding financial products.
Member banking with shared branding, configurable products and integration with credit union cores.
Customer 360 views, assisted onboarding and servicing tools for staff in branches and contact centres.
Grouped by who uses them. Every feature below is one we have shipped to production, not a wishlist.
Everyday banking on mobile and web.
For branch, contact centre and back-office staff.
Configure products and control the channel.
The problems we most often help digital banking organisations solve, and design every engagement around.
Paper forms, branch visits and manual document review lose applicants before they fund an account, and each abandoned application is acquisition spend wasted.
Legacy cores with batch processing and limited APIs make real-time balances, instant payments and new digital products slow and expensive to deliver.
Customers and regulators expect strong authentication and fraud protection, but every extra step at login or payment risks frustrating genuine users.
Mobile, web, branch and contact centre often run on separate systems, so customers repeat themselves and staff cannot see the full relationship.
Open banking, SCA, APP fraud reimbursement and data-residency rules keep changing, and each change touches authentication, payments and reporting flows.
Real products designed and engineered by Creuto end to end, with the operational depth banking & financial services and digital banking projects demand.
A complete, end-to-end HR and payroll platform covering employee onboarding to exit, attendance, leave, payroll processing, compliance, and reporting — built and delivered by Creuto from scratch.
5×
Faster Payroll Processing
20 wk
Time to Market
5
User Roles
A complete Before-Sales and After-Sales CRM platform — AI-powered market insights, Kanban pipeline management, complaint tracking, and role-based dashboards built and delivered by Creuto end to end.
2
CRM Modules (Before & After)
AI
Market Intelligence Engine
360°
Customer Lifecycle Coverage
A fully custom, browser-based ERP system built to unify every department, eliminate silos, and scale with the business — designed and delivered by Creuto end to end.
4
Departments Unified
1
Source of Truth
100%
Browser-Based Access
The digital banking standards we build against and the controls behind them. Your compliance team keeps ownership; we make the software easy to certify.
The platforms, standards and third-party services a product in this sector usually has to talk to. If yours is not listed, it is almost certainly something we have connected before.
The reasons clients in this sector give when they recommend us, not the ones we would pick ourselves.
Either we build it exceptional, or we don't.
The standard every digital banking product leaves our studio with.
0+
Products delivered
0+
Years of engineering
0%
Client satisfaction
We work with the constraints of your core banking system rather than assuming a greenfield, and build layers that make it feel real-time.
SCA, exemptions, device binding and step-up are designed together so customers stay secure without extra friction.
Architecture diagrams, access matrices and test evidence are delivered for your auditors, QSA and supervisor.
Clear balances, honest fees and predictable transfer flows, tested with customers, reduce support contacts and complaints.
We replace online banking channel by channel, so customers move across without disruption.
What organisations in this sector gain when the software is built around their workflows rather than the other way around.
Digital identity checks and well-ordered steps get applicants to a funded account without a branch visit.
Self-service servicing, card controls and AI assistants resolve routine requests without staff involvement.
A modern layer over the core lets teams launch new accounts, pots and offers on their own release cycle.
Device intelligence, behavioural signals and step-up authentication catch account takeover attempts earlier.
A banking app customers enjoy using keeps primary accounts and salary deposits from drifting to competitors.
Open banking and BaaS APIs let you distribute products through partners and embed services from others.
Transparent, sprint-based and built around decisions you can see. You know what ships, when, and why at every step.
Start Your ProjectWe map customer journeys, the products and licence in scope, core constraints and the measures that matter, such as onboarding completion, digital adoption and contact rates.
Core integration approach, authentication model, hosting region, key management and the controls PSD2, PCI DSS and your supervisor expect are agreed before design starts.
Prototypes are tested with real customers and branch staff, including edge cases such as failed KYC, declined payments, lost cards and disputed transactions.
Two-week sprints against sandbox core, card and KYC environments, with product, risk and compliance leads reviewing working software every sprint.
Automated and device testing, reconciliation checks, load testing for peak days, open banking conformance testing and an independent penetration test before go-live.
Release to staff, then a customer cohort, then everyone, with monitoring, incident runbooks and a roadmap driven by adoption, contact and fraud data.
Chosen per project for longevity, hiring depth and fit with your existing systems, never by fashion.
AI IN DIGITAL BANKING
We add AI to digital banking where it removes contact centre load or catches fraud earlier, with grounded answers, human handover and the audit trail your compliance team needs.
Explore our AI engineeringThe shifts we design for so a product launched this year is still the right product in three.
Banks are moving from passwords and SMS codes to passkeys and device-bound credentials that meet SCA with less friction.
Open banking is extending to savings, pensions, mortgages and insurance, increasing the APIs banks must expose and consume.
SEPA Instant obligations, FedNow, UPI and Faster Payments make instant transfers and real-time balances a baseline expectation.
Rules on authorised push payment fraud shift liability to banks, driving confirmation of payee, behavioural analytics and payment friction for risky transfers.
Banks are adding assistants for balance queries, spending insight and servicing, under governance that keeps answers accurate and auditable.
Rather than big-bang core replacement, banks are adding cloud-native cores such as Thought Machine or Mambu for new products alongside the legacy core.
There is no honest single number. Scope, integrations and compliance drive the budget, so we price against a written scope after discovery. The factors below are what move it.
Retail, business, staff and admin channels each need design, build and testing, though they share a backend.
Modern cores with APIs are faster to integrate than legacy cores that expose only files or message queues.
Issuing, controls, tokenisation and wallet provisioning add processor integration and certification work.
Regulated APIs, consent dashboards and conformance testing add a distinct workstream.
Moving customers, credentials, payees and standing orders without disruption needs careful planning and reconciliation.
Each additional jurisdiction adds authentication, KYC, language and data-residency requirements.
| Engagement | Typical scope | Timeline |
|---|---|---|
| Validation MVP | Onboarding, accounts and transfers for one customer segment, one core integration, compliance foundations. | 10 to 14 weeks |
| Production banking platform | Customer apps on mobile and web, cards, servicing tools, admin console, core, card and KYC integrations. | 4 to 7 months |
| Enterprise or multi-brand bank | Retail and business banking, open banking APIs, channel migration, multiple brands or markets, AI servicing. | 8 to 14 months, phased |
Revenue models we have built billing, reporting and growth loops for. Most products combine two or three.
Revenue from debit and credit card transactions issued through the app.
Monthly subscriptions for metal cards, travel benefits, higher limits or business features.
Income from deposits, overdrafts and lending products sold through the digital channel.
Transparent margins on currency conversion and cross-border payments.
Referral fees for insurance, investments and partner products offered in the app.
The engineering disciplines every project in this sector draws on. Each has its own page with process, stack and FAQs.
Founders and product leaders on what it is like to build with Creuto.
“They built a technically robust platform and ensured it was intuitive and accessible for investors of all levels.”
Thanks to Creuto's work, the client saw steady app growth in transactions and SIPs, full regulatory compliance, and positive user feedback. The team had excellent project management, delivered timely milestones, and communicated proactively. Creuto's understanding of the client's industry stood out.
Colton Wade
CEO, Breuto
More client voices
/01 of 06
Straight answers about digital banking software projects. If yours is not here, ask us directly.
Ask our digital banking teamIt depends on the channels and customer segments in scope, your core banking system and how open it is, card and open banking requirements, migration from an existing channel, and the markets you operate in. A validation MVP is a materially smaller investment than a multi-brand banking platform. After discovery we provide a fixed-scope proposal with a clear breakdown.
A validation MVP with onboarding, accounts and transfers typically takes 10 to 14 weeks. A production platform with mobile and web apps, cards, servicing tools and core integration usually takes four to seven months. Enterprise or multi-brand banking with open banking APIs and channel migration is delivered in phases over eight to fourteen months.
We design authentication with two independent factors, using biometrics, passkeys and device binding, and apply dynamic linking for payments. Exemptions such as low-value and trusted beneficiaries are implemented with transaction risk analysis where your licence allows. Open banking APIs follow Open Banking UK or Berlin Group standards with the FAPI security profile.
Yes. We integrate with Temenos, Mambu, Finastra, Thought Machine, Oracle FLEXCUBE and older cores through APIs, middleware or message queues. Where the core only processes in batches, we build an orchestration layer that gives customers real-time views while keeping the core as the system of record.
Banking app development usually means the customer-facing mobile and web apps. Banking software development covers the full system behind them: core integration, onboarding and KYC, card processing, servicing and compliance tools, the admin console and the security controls. We deliver both as one connected product.
Yes. We build configurable banking apps that support multiple brands, partner institutions or credit unions from one codebase, with separate branding, products, limits and reporting for each.
We use strong authentication, device binding, certificate pinning, encrypted storage, runtime protection against tampering and rooted devices, server-side fraud monitoring and an independent penetration test before every major release. Security controls are documented for your auditors.
Yes. We modernise in phases, launching the new channel to staff and a customer cohort first, migrating payees, standing orders and preferences, and retiring the old channel only once adoption and reconciliation are confirmed.
Tell us what you are building. We will help you scope it, design it, and ship it, with a senior team accountable end to end.
