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Customizable White-Label Digital Banking Platform for SMEs
  1. case
  2. Customizable White-Label Digital Banking Platform for SMEs

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Customizable White-Label Digital Banking Platform for SMEs

kindgeek.com
Financial services
Business services
Information technology

Challenges in Financial Services Digitization

SMEs require a secure, scalable, and customizable digital banking platform that balances regulatory compliance with seamless user experience. Existing solutions lack flexibility for brand customization, struggle with third-party integrations, and face challenges maintaining transaction integrity while scaling.

About the Client

A FinTech company providing white-label digital banking solutions for small and medium-sized enterprises

Platform Goals

  • Enable SMEs to manage financial operations through a unified interface
  • Streamline core banking functions with automated compliance mechanisms
  • Support multi-brand deployment through modular white-label architecture
  • Facilitate secure fiat/crypto conversions and cross-border payments
  • Implement robust dispute resolution and fee management systems

Core System Capabilities

  • Core banking with account management and transaction processing
  • Digital contract signing with legal compliance
  • SEPA payment gateway integration
  • Real-time crypto-fiat exchange engine
  • Multi-merchant acquiring dispute management
  • Configurable KYC/onboarding workflows
  • Card issuance (virtual/physical) for corporate clients
  • Centralized general ledger with audit trails

Technology Stack

Java
Spring
Kotlin
Angular
Firebase
Swift
Jenkins

Third-Party Systems

  • KYC verification providers
  • Digital signature platforms
  • Cryptocurrency exchange APIs
  • SEPA payment gateways
  • Merchant acquiring systems
  • Customer support chat solutions

System Requirements

  • Horizontal scalability for 100k+ concurrent users
  • 2FA/SCA authentication protocols
  • 99.99% transaction processing reliability
  • Brand-specific UI/UX customization framework
  • Regulatory compliance (GDPR, PSD2)

Business Transformation

Enables financial institutions to deploy branded banking solutions 60% faster while maintaining compliance. Reduces operational costs through automated transaction processing and dispute resolution, while enhancing security through multi-layered authentication and encrypted data architecture.

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