BankingLab

Capabilities map

Browse the BankingLab capability map.

Explore capability pages covering digital channels, onboarding, payments, accounts, cards, lending, deposits, crypto, and API-delivered operations.

Coverage

Use this page to move from solution-level pages into the specific capability areas behind each stack.

Platform overview

All capabilities

Capability pages grouped into one index for internal linking and buyer navigation.

Each page focuses on a distinct capability area so visitors can move from broad solution fit into the specific operating layer they need to evaluate.

Quick filters

Start with a preset area, then scan the matching capability pages without working through the full index.

Showing all 72 capability pages.

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.

Launch foundations

Channel capability

Digital banking and channels

Digital banking channels for account access, servicing, payments, and customer workflows across web and mobile experiences.

Launch foundations

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.

Launch foundationsReporting and controls

Journey capability

Digital onboarding

Digital onboarding for customer and business acquisition with identity verification, risk checks, document collection, and operational handoff.

Launch foundations

Compliance capability

KYC / KYB orchestration

KYC / KYB orchestration for identity and business verification flows, exception handling, and controlled onboarding operations.

Launch foundationsReporting and controls

Channel capability

Mobile banking

Mobile banking experiences for accounts, payments, cards, onboarding, and servicing on a connected banking platform.

Launch foundations

Channel capability

Internet banking

Internet banking for account access, payments, reporting, and servicing workflows in browser-based banking journeys.

Launch foundations

Communication capability

Customer notifications

Customer notifications for transaction alerts, account events, servicing updates, and customer communications across banking journeys.

Launch foundations

Channel capability

Browser-based servicing

Browser-based servicing for account access, payment actions, and day-to-day customer operations through a web interface.

Launch foundations

Rail capability

Payments

Payments orchestration across SEPA, instant, SWIFT, Target2, and related operational controls inside one platform layer.

Payments and rails

Rail capability

SEPA credit transfer

SEPA credit transfer capability for euro account-to-account payments, routine transaction flows, and connected payment operations.

Payments and rails

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.

Payments and rails

Rail capability

SWIFT

SWIFT capability for cross-border payment messaging, broader rail coverage, and international operating models.

Payments and rails

Rail capability

Target2

Target2 connectivity for large-value euro settlement coverage, broader infrastructure readiness, and bank-grade payment operations.

Payments and rails

Operations capability

Regular payments and bulk payments

Regular and bulk payment capabilities for repeatable transaction flows, higher-volume operations, and business banking use cases.

Payments and rails

Integration capability

Payment gateway

Payment gateway capability for connecting payment acceptance, partner-led payment experiences, and broader platform orchestration.

Payments and rails

Partner capability

Currencycloud connectivity

Currencycloud connectivity for cross-border FX workflows, named partner coverage, and multi-currency payment operations inside the wider BankingLab stack.

Treasury, partners, and crypto

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, partners, and crypto

Treasury capability

Foreign exchange and multi-currency

Foreign exchange and multi-currency capability for international accounts, cross-border payments, and broader treasury-ready operations.

Treasury, partners, and crypto

Portfolio capability

Banking products

Banking product coverage across accounts, payments, cards, deposits, lending, and adjacent financial services built on one platform.

Cards, products, and credit

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.

Launch foundationsAccounts and ledger

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.

Launch foundationsAccounts and ledger

Customer operations capability

CRM and account management

CRM and account management for customer records, ownership structures, permissions, servicing flows, and relationship operations.

Launch foundationsAccounts and ledger

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.

Launch foundationsAccounts and ledger

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.

Accounts and ledgerReporting and controls

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.

Reporting and controls

Reporting capability

Reporting

Regulatory reporting for supervisory data outputs, control-ready reporting flows, and reporting processes tied to underlying platform activity.

Account capability

Account lifecycle management

Account lifecycle management for account opening, status changes, permissions, servicing, and controlled account operations over time.

Launch foundationsAccounts and ledger

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.

Cards, products, and credit

Account capability

Private and corporate IBAN accounts

Private and corporate IBAN accounts for retail and business servicing, payment operations, and international account propositions.

Launch foundationsAccounts and ledger

Account capability

Segregated accounts and virtual IBAN

Segregated accounts and virtual IBAN support for structured fund flows, account visibility, and more granular servicing models.

Launch foundationsAccounts and ledger

Commercial capability

Acquiring services

Acquiring services for payment acceptance expansion, merchant-oriented flows, and broader commercial payment coverage.

Payments and railsCards, products, and credit

Integration capability

API access layer

API access for partner apps, embedded-finance products, web and mobile channels, and accounting-system connectivity.

Launch foundations

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.

Digital asset capability

Blockchain and crypto currencies

Blockchain and crypto currency capability positioned alongside broader banking, payment, wallet, and exchange workflows.

Treasury, partners, and crypto

Digital asset capability

Crypto exchange

Crypto exchange capability connected to wallet, payment, and wider digital-finance product experiences.

Treasury, partners, and crypto

Digital asset capability

Crypto wallet

Crypto wallet capability for digital-asset access, customer-facing wallet journeys, and broader ecosystem integration.

Treasury, partners, and crypto

Credit capability

Retail and business loans

Loan product capability for structured credit offerings, repayment workflows, and expansion beyond transaction-only banking products.

Core capability

Accounting engine

Accounting engine capability for posting rules, transaction treatment, and finance-grade control inside banking operations.

Accounts and ledgerReporting and controls

Channel capability

White-label digital banking

White-label digital banking capability for branded customer channels built on top of a modular banking platform.

Launch foundations

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 and rails

Regulatory capability

AnaCredit reporting

AnaCredit reporting capability for regulatory data outputs tied to lending, deposits, and broader banking operations.

Reporting and controls

Regulatory capability

nPRDB reporting

nPRDB reporting capability for specialist regulatory outputs and bank-grade reporting operations.

Reporting and controls

Service capability

Delivery and launch support

Delivery and launch support for environment setup, integration coordination, operational readiness, and post-launch service continuity.

Launch foundations

Platform Capability

API engine for external frontend

Robust API engine enabling seamless integration of external or custom-built frontends with banking logic.

Core Capability

Transaction processing

High-performance transaction processing engine capable of handling multi-rail clearing and settlement.

Security Capability

3DS service

Advanced 3D Secure (3DS) implementation for cardholder authentication and fraud reduction.

Compliance Capability

Fraud monitoring

Proactive, multi-layered fraud monitoring stopping compromised transactions instantly.

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.

Payments Capability

Standing orders

Automated recurring payment schedulers handling constant amounts at varying frequencies.

Payments Capability

Visa B2B Connect

Dedicated B2B payment integrations over Visa rails ensuring high-speed corporate settlements.

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.