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Development of Crypto-Enabled Digital Banking PaaS for SME Financial Institutions

synodus.com

Financial services

Fintech

Mobile Tech

Challenges in SME Banking Infrastructure

SME financial institutions face high costs and risks with existing PaaS solutions designed for large banks. There is a critical need for a secure, scalable, and user-friendly platform that integrates with core banking systems while supporting crypto-enabled transactions and regulatory compliance.

About the Client

Technology partner specializing in digital banking solutions for small and medium financial institutions

Platform Development Goals

Create a modular digital banking PaaS tailored for SMEs
Implement crypto-transaction capabilities
Ensure seamless integration with existing core banking systems
Achieve compliance with regional and global financial regulations
Enable rapid customer onboarding with automated KYC/AML checks

Core Platform Capabilities

CASA (Current Account Savings Account) management
Automated lending/borrowing workflows
Multi-channel payment processing (transfers, bill payments, mobile payments)
Real-time analytics for customer behavior monitoring
Smart integration with payment gateways and credit scoring systems
Automated interest calculation and goal-based savings

Technology Stack

Microservices

ReactJS

React Native

NodeJS

System Integrations

Payment gateways
Credit scoring APIs
KYC/AML verification services
Compliance management systems

Operational Requirements

High scalability for transaction processing
Enterprise-grade security for financial data
Sub-second API response times
Cross-regional compliance adaptability
99.99% system uptime SLA

Market Expansion Potential

Enables immediate market entry in North America with 3 pilot clients, establishes foundation for APAC expansion, reduces SME banking operational costs by 40%, and accelerates customer onboarding to under 5 minutes per account.