Building Digital Banks

Building Digital Banks from Scratch

Today Banking is all about engagement and customers evaluate financial institutions, how good the customer experience offer any particular bank along with flawless user experience on every touchpoint. NeoCeptual’s building the future of banking that customer loves. NeoCeptual has developed a proven and repeatable approach to building digital banks, specifically designed to help clients drive new areas of growth through innovative customer’s propositions and become an active part of customer’s digital life.

Fully Customizable Digital Mobile Bank

We provide the modules you need to build a Digital Only bank in the 21st century. They include personalised services, products and messages utilizing our Behavioural Trigger Engine. We offer great UI/UX. Furthermore, NeoCeptual’s open-Financial Services Connector allows inclusion and integration of services from third-parties.

You can leverage our fully customisable Mobile Banking Solution on a white-label basis. Upload your brand and you are ready to go.

Our Approach to Customer Success

    1. Conducting in-depth market research of the new bank’s target market to understand their goals, challenges, and ambitions.
    2. Strategizing a plan for success and tracking execution against these goals to meet key KPIs. 
    3. Our pool of experts around the world, building new propositions for incumbent and Digital Only Banks and help them to create new sources of growth and prosperity.
    4. Our approach is centred on creating a flexible, data-centric platform and organization, connecting to a rich ecosystem of fintech partners to deliver rapid value.

Digital Bank as an MVP in 3-6 months


Start with your custom-branded live version within days

We can register up to 10 customers and provide you with iOS and Android-Apps in your own colours and logos within days. You can check out our features in a live environment and demo it to your stakeholders and investors. Depending on your specific additional features and legal environment you can be live as fast as 8 weeks. Want to check out our accounts, cards and app?


- Bank accounts
- Transaction info
- Multiple accounts
- Shared accounts
- Multiple currencies
- Account aggregation


- Budget
- Savings account
- Transaction info
- Saving goals
- Categorization
- Saving insights


- Android and IOS Apps
- Test environment
- Security features
- Biometrics login
- Multi-Languages
- Recognise users


- In-app KYC
- Chatbot support
- Customer care features
- Customer support agent
- Multiple currencies
- Account aggregation


- Instant transfers
- Shared accounts
- Request money
- Split the bill
- Personalised requests
- Cash deposit/withdrawal


- Instant virtual card
- Physical card
- In-app card management tool
- Multiple cards
- Instant payment notification
- Custom Design

Success factors that drive a new Digital Bank

You can focus on what matters for your customers


- Branding
- Marketing
- Product design


- Frontend
- Personalisation
- Connections


- Licencing
- Infrastructure
- 3rd party provider

Delivering Omni Channel Digital Banking Experience

NeoCeptual empowers financial institutions to become digital leaders, enabling them to place digital at the core of their business model.