Platform model
Platform
Choose launch modules. Add more when ready.
BankingLab’s platform covers digital channels, onboarding, KYC/KYB, payments, accounts, mobile banking, internet banking, cards, Apple Pay and Google Pay provisioning, lending, deposits, API access, and partner connectivity such as Currencycloud and Mastercard Move for teams building modern financial products.
Connected delivery. Start with the modules needed for launch, then extend into additional rails, channels, products, and servicing workflows on the same operating foundation.
Operating scope
Core banking, payments, channels, and servicing in one platform.
BankingLab connects launch-ready modules with the operational layers teams need to run and expand regulated financial products.
EUR 67B+ processed across BankingLab in 2025
18M+ transactions during 2025
13+ fintechs and banks using BankingLab Core
Platform model
BankingLab acts as the ecosystem’s reusable banking software and processing layer.
This page focuses on the platform itself: the SaaS and BaaS stack behind accounts, payments, cards, onboarding, and related financial operations for both in-house products and third-party operators.
BaaS scope
Accounts, payments, cards, compliance
Core adoption
13+ fintechs and banks
Operating history
14 years of operations
Capabilities
Platform capabilities organized for product delivery.
Our modular capabilities are structured around the end-to-end workflows teams need to launch, operate, and scale financial products—from digital onboarding and payments to core banking and partner integrations.
Module
01BankingLab Core
Cloud-based core banking infrastructure covering customer and account management, IBAN issuance, ledgering, pricing, treasury, FX, and regulatory reporting.
Explore capability Launch on a cloud-based core built for regulated operationsSupport both retail and business servicing from the same platform
Module
02Payments orchestration
A wide range of payment rails with configurable routing and monitoring.
Explore capability Shorten integration timelinesOperate with clearer rail coverage and monitoringIntegrate payment partners and rails swiftly and on-demand
Capabilities
Module
03Digital banking channels
Deliver mobile banking and internet banking as dedicated customer channels connected to the same account, payment, and servicing stack.
Explore capability Launch mobile and browser journeys without splitting the operating modelSupport consumer and business banking access patternsKeep app, web, and servicing flows aligned with the core platform
Capabilities
Module
04Cards issuing and processing
Launch a dedicated Visa debit card offering for both retail and business customers through BankingLab Processing centre and Card Management module.
Explore capability Launch debit cards for both retail and business segmentsKeep issuing, processing, and controls in one operating modelSupport wallet-ready card experiences from the same stackExtend cards across web, mobile, and API-driven journeys
Module
05Digital onboarding
Identity and business onboarding flows with configurable questionnaires, due diligence, screening, and operational review in one launch path.
Explore capability Reduce onboarding frictionKeep compliance controls visible from day one
Module
06Transaction Monitoring
Securely monitor your clients' transactions with an advanced Transaction Monitoring module.
Detect suspicious activity in real time and retrospectivelyAdapt monitoring logic to different products, risk profiles, and customer behaviorsSupport investigation teams with configurable case handling and bulk actions
Capabilities
- 01 Configurable Transaction Monitoring Engine
- 02 Real-time and retrospective monitoring
- 03 Fully customizable rules, thresholds and behavioral logic
- 04 Investigation case management and master case grouping
- 05 Criteria management and whitelisting
- 06 Blacklist screening (OFAC, EU, UN, UK)
- 07 IP tracking
- 08 Individual risk management
- 09 Bulk actions
- 10 Reject and refund option
Module
07Deposits and Loans
Advanced term deposits and loans solutions for licensed credit institutions.
Explore capability Cover deposit and lending products in the same operating platformSupport both retail and business credit use casesConnect deposit distribution, reporting, and loan servicing in one model
Capabilities
Module
08API access layer
Expose banking capabilities to partner apps, web channels, mobile products, and accounting systems.
Explore capability Integrate channels fasterSupport embedded finance and partner products
Capabilities
- 01 REST APIs
Overview
Product breadth is clearest when grouped by operating layer.
The platform extends beyond customer-facing products into the reusable technology stack used to launch and run them, with distinct capability areas for processing, connectivity, and embedded-finance delivery.
Core banking stack
A full-stack SaaS banking platform spanning customer accounts, digital banking channels, card issuing, Apple Pay and Google Pay provisioning, payments processing, loans, deposits, and API-delivered access across web and mobile touchpoints.
Payments and account rails
SEPA credit transfers, SEPA Instant, SWIFT, TARGET2, bulk payments, private and corporate IBAN accounts, virtual IBANs, foreign-exchange support, and partner-led connectivity such as Currencycloud and Mastercard Move all integrated into a single platform.
BaaS and embedded-finance delivery
The platform is structured for Accounts-as-a-Service, Payments-as-a-Service, and Cards-as-a-Service so financial operators can launch or expand products without assembling each component independently.
Digital-asset adjacency
Crypto wallet and exchange components alongside payment infrastructure, connecting digital-asset services to the BankingLab software suite.
Architecture overview
One operating layer for launch, servicing, and expansion.
- Digital channels and onboarding connect into compliance and account operations
- Mobile banking, internet banking, Apple Pay and Google Pay provisioning, payment rails, IBAN accounts, FX, and partner providers such as Currencycloud and Mastercard Move stay visible as platform modules
- API access extends the platform to web, mobile, and external accounting or fintech products
Delivery signals
Platform scale and delivery pace.
These indicators highlight transaction volume, release cadence, and live platform adoption across BankingLab.
EUR 67B+ processed across BankingLab in 2025
18M+ transactions during 2025
13+ fintechs and banks using BankingLab Core
160 production upgrades released across clients in 2025
ISO, PCI Certified platform security
50+ In-house specialists
2025 operating progress
- Processing scale
BankingLab reported more than 67 billion euros processed and more than 18 million transactions during 2025, indicating meaningful operating scale across accounts, payments, cards, and related financial workflows.
- Release quality
The platform delivered 160 production upgrades across clients in 2025, up 11% year on year, pointing to an active release program sustained across multiple live environments.
- Support and operations
Average customer-query resolution time improved by 21% year on year despite roughly 400% ticket-volume growth, indicating continuously increasing efficiency and quality in resolving client queries.
- Architecture and security
BankingLab Core and its Payment Orchestrator support continuity testing, backup testing, transaction review tooling, app-based verification controls, DORA and GDPR compliance, ISO 27001 certification, and PCI DSS certification.
Platform demo
Discuss the target architecture, launch sequence, and module bundle.
Use the commercial inquiry form to discuss target architecture, launch sequence, and the modules required first.