EmberPay
A digital payments platform with real-time transaction tracking and reconciliation.
Built for Web
- Angular
- HTML
- MySQL
Banking Software Development Services
We build digital banking, mobile banking, core banking and lending software for banks and credit unions, with KYC, fraud monitoring and audit trails built in from the first release.
- KYC and AML checks built in
- APIs over your core system
- PCI DSS and SOC 2 ready
Usually replies within one business day. No obligation.
- Onboarding New customers Identity, KYC checks, consent
- Accounts Core banking Balances, ledgers, statements
- Payments Cards and transfers Transfers, cards, settlements
- Lending Loan teams Applications, credit decisions, repayments
- Risk and reporting Compliance teams Fraud alerts, AML reviews, reports
Kept for regulators and auditors
Audit trail
AML monitoring
Regulatory reports
Trusted by 50+ companies in the US, the UK, Germany and India
Banking software problems we solve
Most banks are not held back by ideas. They are held back by a core system that is hard to change and checks that still run by hand.
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What goes wrong
A legacy core that blocks new products
Every new feature waits on the core system, and changes take months of testing.
What we buildAn API layer over the core
Secure APIs let new apps and products read and post to the core without rewriting it, so the core can be modernized in stages.
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What goes wrong
Slow, paper-heavy onboarding
Customers give up when opening an account takes days of forms and branch visits.
What we buildDigital onboarding with KYC
Identity checks, document capture and screening in one flow, with every decision recorded for the auditors.
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What goes wrong
Fraud found after the money is gone
Monitoring runs in overnight batches and alerts land in spreadsheets.
What we buildReal-time transaction monitoring
Rules and risk scores run as each transaction happens, with a case queue for the team to review alerts.
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What goes wrong
Customers expect a mobile-first bank
Digital-only banks set the standard, and a slow or clunky app sends customers elsewhere.
What we buildMobile and online banking that feels current
Fast, secure apps and portals for accounts, transfers and support, built on the same APIs as every other channel.
Banking software we build
Six products, grouped by the part of the bank they run. Each one can be built on its own or connected to the rest.
Channels
How customers bank with you.
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Mobile banking apps
Secure iOS and Android apps for accounts, transfers and payments. See our mobile app development.
- Secure login
- Payments and transfers
- Money management tools
- Usage analytics
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Digital and online banking portals
Web banking for personal and business customers, with account management and secure payments.
- Customer portals
- Account management
- Online payments
- Transaction monitoring
Core and operations
The ledger and the work behind it.
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Core banking systems
Centralized accounts, transactions and operations, built new or wrapped in APIs around the system you run today.
- Core platforms
- Account management
- Transaction processing
- Operations dashboards
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Lending and marketplace platforms
Loan origination, credit management and marketplaces that connect institutions, customers and service providers.
- Loan and credit management
- Service marketplaces
- Product discovery
- Partner ecosystems
New products
Launching what comes next.
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Fintech platforms
Payments, wallets and investment products for banks working with or as fintechs. See our fintech development.
- Digital payments
- Wallets
- Investment platforms
- Customer finance tools
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Banking data and analytics
Dashboards and reports that show customer behavior, product performance and risk in one place.
- Performance dashboards
- Risk reporting
- Customer insights
- Regulatory data
Banking and payments software we've shipped
A payments platform with real-time transaction tracking and reconciliation.
Communication was key throughout. New features and updates were handled with care and delivered promptly. They always understood what we were asking for and delivered accordingly.
Compliance built into every account
Checks run inside the software, so they happen the same way every time and leave a record. This is what one account opening checks before it completes.
- Identity Document and selfie verified
- Screening Sanctions and PEP lists checked
- Risk score Within the approved range
- Core system Account created
- Audit trail Every step recorded
Rules and thresholds differ by bank and by country. They are set as configuration, not written into the code.
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Strong authentication
Multi-factor login and device checks for customers and staff.
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Encrypted data
Account and card data encrypted in transit and at rest.
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Fraud monitoring
Rules and risk scores on every transaction, with alerts to review.
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KYC and AML
Identity checks and screening built into onboarding and payments.
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Audit logs and roles
Every change recorded, and staff see only what their role needs.
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Card data kept out of scope
Tokenized card data, so fewer systems fall under PCI DSS.
Systems we connect your platform to
Banks already run several systems. We build to their APIs so data is entered once and stays in step everywhere.
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Core banking
- Your core system
- General ledger
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Payments
- Card processors
- Payment rails
- Open banking APIs
Your platform
Built by CodesClue
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Identity and risk
- KYC providers
- AML screening
- Credit bureaus
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Business systems
- CRM
- Accounting
- Power BI and Tableau
How we deliver banking software
Five stages, with security and compliance checked before launch rather than after it. You see working software every sprint.
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Requirement & Financial Workflow Analysis
We analyze banking workflows, financial service operations, and business goals to define project scope and system requirements. Our team studies transaction processes, customer banking interactions, and financial data flows to ensure the platform aligns with modern banking operations.
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Secure Banking Architecture Design
Our experts design scalable architecture tailored to banking platforms. This stage ensures the system supports secure transactions, high financial data volumes, integration with payment gateways, financial services, and third-party banking systems.
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Agile Development & Testing
We implement agile development methodologies while performing continuous testing and optimization. This approach ensures banking platforms remain secure, stable, and capable of adapting to evolving financial service requirements.
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Platform Validation
Banking platforms undergo extensive validation to ensure transaction accuracy, data security, and system performance. Our team verifies system stability, integration reliability, and compliance readiness before deployment.
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Deployment & Continuous Support
After deployment, we provide ongoing platform monitoring, updates, and performance improvements. Continuous support ensures digital banking platform development solutions remain secure, scalable, and capable of handling growing transaction volumes and financial operations.
Ways to work with us
Three ways to start. Every one begins with a free call with an engineer, and an NDA before we see anything confidential.
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Dedicated team
A team that works only on your product, inside your processes, tools and time zone.
Best for Long-term products whose requirements keep changing
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Staff augmentation
Developers who join your existing team to fill a skill gap, without full-time hiring.
Software developers Full-stack developers
Best for Teams that need to scale up or down quickly
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Fixed price
A detailed plan, timeline and cost agreed upfront, with delivery managed end to end.
Best for Projects with a clearly defined scope
Banking software development FAQs
Want to know more about CodesClue? These Frequently Asked Questions might help.
Talk to an engineer
- business@codesclue.com
- +91 99989 77764
- We reply within one business day.
What banking software development services does CodesClue offer?
CodesClue provides comprehensive banking software development services including mobile banking app development, core banking software development, online banking system development, and secure digital banking platform development solutions.
Do you develop mobile banking applications?
Yes. Our mobile banking app development services include secure mobile applications that allow customers to manage accounts, transfer funds, and access financial services through convenient digital platforms.
Can you build custom banking software?
Yes. We specialize in custom banking software development solutions that help financial institutions manage transactions, customer data, and financial services through centralized digital platforms.
What businesses benefit from banking software solutions?
Banks, fintech startups, payment providers, lending companies, and financial institutions benefit from our banking application development services and advanced banking technology solutions.
How do you ensure security in banking applications?
We implement secure coding practices, data encryption, access control mechanisms, and reliable infrastructure to protect financial transactions and sensitive customer data.
Can you work with our existing core banking system?
Yes. We usually add a secure API layer around the core, so new apps and products can read and post to it without a risky replacement. The core can then be modernized in stages.
How do you handle KYC and AML in the software?
Identity verification, sanctions and PEP screening and transaction monitoring are built into onboarding and payments, using the providers you already work with. Every check and decision is recorded for your compliance team and auditors.
How can I start a banking software project with CodesClue?
You can contact our team to discuss your banking platform requirements and financial technology goals. Our experts will analyze your needs and recommend the most suitable custom banking software development approach to build a secure and scalable digital banking platform.
Where is your team based?
Our team is based in India, the United States and Germany, which gives you working-hours overlap across Asia, Europe and North America.
How do you price projects?
Three ways, matching our engagement models: a dedicated team billed monthly, staff augmentation where you add individual engineers to your own team, or a fixed-scope project with an agreed timeline and budget. The first consultation is free; we scope your requirements there and quote after it.
How do you handle security and compliance?
Security is built into every engagement: data encrypted in transit and at rest, role-based access control, logging and monitoring, and audit-ready configuration. For regulated industries we design to the relevant standard, for example HIPAA-ready systems for healthcare. We sign an NDA before any engagement, so your systems and data stay confidential from the first conversation.
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Tell us what you need built
Share your requirements and an engineer will reply within one business day with next steps.
- Answer two quick questions and tell us about the project.
- We read it and reply with questions or a plan.
- You get a written estimate with milestones before anything is signed.
No obligation. We reply within one business day.
