Platform capability
Full-stack SaaS banking platform
A modular banking software stack that brings accounts, payments, onboarding, cards, lending, deposits, and API delivery into one operating model.
Capabilities map
Browse the BankingLab capability map.
Explore capability pages grouped by operating area, from core banking and payments to channels, onboarding, cards, lending, reporting, and delivery support.
Coverage
Use this page to move from solution-level pages into the specific capability areas behind each stack, with filters that match the visible group labels.
All capabilities
Capability pages organized by operating area.
Choose one operating area to narrow the list quickly, or browse all sections in the grouped index below.
Filter by operating area
These filters group pages by what the capability primarily supports, not by business model or page type.
Showing all 72 capability pages across 8 groups.
Core banking
Core banking
Core platform, accounts, ledger foundations, and account servicing.
Portfolio capability
Banking products
Banking product coverage across accounts, payments, cards, deposits, lending, and adjacent financial services built on one platform.
Core banking capability
BankingLab Core
BankingLab Core provides cloud-based core banking infrastructure with CRM and account management, IBAN issuance, ledgering, treasury, pricing controls, and regulatory reporting.
Core infrastructure capability
Cloud-based core banking infrastructure
Cloud-based core banking infrastructure for running account, ledger, product, and control workflows on one managed operating foundation.
Customer operations capability
CRM and account management
CRM and account management for customer records, ownership structures, permissions, servicing flows, and relationship operations.
Account issuance capability
Dedicated, virtual, and embedded IBAN issuance
Dedicated, virtual, and embedded IBAN issuance for customer accounts, operational routing, and embedded-finance account models.
Account capability
Account lifecycle management
Account lifecycle management for account opening, status changes, permissions, servicing, and controlled account operations over time.
Account capability
Private and corporate IBAN accounts
Private and corporate IBAN accounts for retail and business servicing, payment operations, and international account propositions.
Account capability
Segregated accounts and virtual IBAN
Segregated accounts and virtual IBAN support for structured fund flows, account visibility, and more granular servicing models.
Payments
Payments
Payment rails, gateways, cross-border connectivity, and movement of funds.
Rail capability
Payments
Payments orchestration across SEPA, instant, SWIFT, Target2, and related operational controls inside one platform layer.
Rail capability
SEPA credit transfer
SEPA credit transfer capability for euro account-to-account payments, routine transaction flows, and connected payment operations.
Rail capability
SEPA Instant Credit Transfer
SEPA Instant capability for faster euro payment settlement, responsive customer journeys, and modern payment expectations.
Rail capability
SEPA direct debit
SEPA direct debit capability for recurring collections, mandate-led euro payment operations, and related servicing workflows.
Rail capability
SWIFT
SWIFT capability for cross-border payment messaging, broader rail coverage, and international operating models.
Rail capability
Target2
Target2 connectivity for large-value euro settlement coverage, broader infrastructure readiness, and bank-grade payment operations.
Operations capability
Regular payments and bulk payments
Regular and bulk payment capabilities for repeatable transaction flows, higher-volume operations, and business banking use cases.
Integration capability
Payment gateway
Payment gateway capability for connecting payment acceptance, partner-led payment experiences, and broader platform orchestration.
Partner capability
Currencycloud connectivity
Currencycloud connectivity for cross-border FX workflows, named partner coverage, and multi-currency payment operations inside the wider BankingLab stack.
Partner capability
Mastercard Move
Mastercard Move capability for payout and disbursement connectivity, partner-led payment expansion, and card-adjacent money movement inside one platform model.
Treasury capability
Foreign exchange and multi-currency
Foreign exchange and multi-currency capability for international accounts, cross-border payments, and broader treasury-ready operations.
Rail capability
SEPA, SWIFT, and Target2 connectivity
SEPA, SWIFT, and Target2 connectivity capability for multi-rail payment coverage across euro and cross-border flows.
Payments Capability
Visa B2B Connect
Dedicated B2B payment integrations over Visa rails ensuring high-speed corporate settlements.
Channels
Channels
Customer-facing journeys, browser access, mobile access, and external frontends.
Channel capability
Digital banking and channels
Digital banking channels for account access, servicing, payments, and customer workflows across web and mobile experiences.
Channel capability
Mobile banking
Mobile banking experiences for accounts, payments, cards, onboarding, and servicing on a connected banking platform.
Channel capability
Internet banking
Internet banking for account access, payments, reporting, and servicing workflows in browser-based banking journeys.
Communication capability
Customer notifications
Customer notifications for transaction alerts, account events, servicing updates, and customer communications across banking journeys.
Channel capability
Browser-based servicing
Browser-based servicing for account access, payment actions, and day-to-day customer operations through a web interface.
Integration capability
API access layer
API access for partner apps, embedded-finance products, web and mobile channels, and accounting-system connectivity.
Platform Capability
API engine for external frontend
Robust API engine enabling seamless integration of external or custom-built frontends with banking logic.
Onboarding and compliance
Onboarding and compliance
Identity, onboarding, due diligence, monitoring, and operational controls.
Compliance capability
Online identity verification with KYC / KYB
Digital identity and business verification workflows that combine KYC, KYB, checks, document handling, and operational review paths.
Journey capability
Digital onboarding
Digital onboarding for customer and business acquisition with identity verification, risk checks, document collection, and operational handoff.
Compliance capability
KYC / KYB orchestration
KYC / KYB orchestration for identity and business verification flows, exception handling, and controlled onboarding operations.
Commercial control capability
Customizable pricing and fees management
Customizable pricing and fees management for tariff design, charging logic, exceptions, and commercial control across banking products.
Compliance Capability
Fraud monitoring
Proactive, multi-layered fraud monitoring stopping compromised transactions instantly.
Compliance Capability
Configurable Transaction Monitoring Engine
A highly adaptable rules engine designed to identify anomalous activities and ensure AML compliance.
Compliance Capability
Real-time and retrospective monitoring
Perform simultaneous live interception and deep historical analysis on transaction events.
Platform Capability
Fully customizable rules, thresholds and behavioral logic
Complete control over compliance rule definitions, velocity thresholds, and user behavior profiling.
Operations Capability
Investigation case management and master case grouping
Streamlined analyst workflows for grouping connected alerts and submitting final resolutions.
Operations Capability
Criteria management and whitelisting
Manage safe-lists and allowed criteria to prevent routine operational friction for trusted actors.
Compliance Capability
Blacklist screening (OFAC, EU, UN, UK)
Automated, immediate screening against major international sanctions lists and deny lists.
Security Capability
IP tracking
Trace and analyze IP origination to identify geographic anomalies and coordinated threats.
Compliance Capability
Individual risk management
Dynamic profiling that assigns and adjusts risk classifications at the individual user level.
Operations Capability
Bulk actions
Efficiency tooling to manage multiple accounts or cases simultaneously.
Operations Capability
Reject and refund option
Intuitive workflows for investigating unapplied funds, rejecting items, and processing refunds.
Onboarding Capability
Onboarding questionnaire
Dynamic, risk-based forms capturing essential customer contexts during registration.
Platform Capability
Multi-language support
Native localization across all platform interfaces, from onboarding to account servicing.
Compliance Capability
Ongoing and enhanced due diligence
Continuous lifecycle reviews and deep-dive assessments for escalated entities.
Compliance Capability
PEP, adverse media, and sanctions screening
Extensive background checks incorporating political exposure and negative news.
Onboarding Capability
Document upload and MRZ validation
Secure intake mechanisms featuring real-time Machine Readable Zone (MRZ) parsing.
Cards
Cards
Issuing, processing, card controls, wallets, and card lifecycle operations.
Card capability
Cards issuing and processing
Cards issuing and processing integrated with funding accounts, issuer processing, customer servicing, spend controls, and Apple Pay and Google Pay wallet workflows.
Core Capability
Transaction processing
High-performance transaction processing engine capable of handling multi-rail clearing and settlement.
Issuing Capability
Apple Pay and Google Pay enabled
Deliver modern issuing experiences with instant Apple Pay and Google Pay tokenization.
Issuing Capability
Plastic and virtual cards supported
Flexible issuance of both physical plastics and instant virtual cards tailored to business needs.
Product Capability
Card offering for retail and businesses
Comprehensive card management logic separating distinct retail programs from complex corporate limits.
Security Capability
3DS service
Advanced 3D Secure (3DS) implementation for cardholder authentication and fraud reduction.
Lending and deposits
Lending and deposits
Deposit, overdraft, loan, and credit product capabilities.
Product capability
Term deposits
Deposit products and savings operations with servicing, reporting, accrual handling, and treasury-friendly account management.
Credit capability
Overdrafts
Lending and overdraft capability for credit operations, product expansion, and account-linked borrowing workflows.
Credit capability
Retail and business loans
Loan product capability for structured credit offerings, repayment workflows, and expansion beyond transaction-only banking products.
Lending Capability
Probability of Default calculator
Algorithmic assessment of borrower risk integrating with real-time transactional data.
Payments Capability
Standing orders
Automated recurring payment schedulers handling constant amounts at varying frequencies.
Data and reporting
Data and reporting
Reporting, accounting, risk review, and operational insight layers.
Finance control capability
General Ledger and accounting
General Ledger and accounting for financial source-of-truth records, posting logic, and controlled treatment of banking activity.
Reporting capability
Reporting
Regulatory reporting for supervisory data outputs, control-ready reporting flows, and reporting processes tied to underlying platform activity.
Core capability
Accounting engine
Accounting engine capability for posting rules, transaction treatment, and finance-grade control inside banking operations.
Regulatory capability
AnaCredit reporting
AnaCredit reporting capability for regulatory data outputs tied to lending, deposits, and broader banking operations.
Regulatory capability
nPRDB reporting
nPRDB reporting capability for specialist regulatory outputs and bank-grade reporting operations.
Services
Services
Delivery support, partner-led extensions, and adjacent service capabilities.
Commercial capability
Acquiring services
Acquiring services for payment acceptance expansion, merchant-oriented flows, and broader commercial payment coverage.
Digital asset capability
Blockchain and crypto currencies
Blockchain and crypto currency capability positioned alongside broader banking, payment, wallet, and exchange workflows.
Digital asset capability
Crypto exchange
Crypto exchange capability connected to wallet, payment, and wider digital-finance product experiences.
Digital asset capability
Crypto wallet
Crypto wallet capability for digital-asset access, customer-facing wallet journeys, and broader ecosystem integration.
Channel capability
White-label digital banking
White-label digital banking capability for branded customer channels built on top of a modular banking platform.
Distribution capability
Check24 and RAISIN integrations
Raisin integration capability for deposit distribution and connected savings-product operations.
Service capability
Delivery and launch support
Delivery and launch support for environment setup, integration coordination, operational readiness, and post-launch service continuity.