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Retail Banking

More personal, smarter, data-driven banking: offer your customers the experience they deserve and become the bank they love.

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Trusted by 40+ institutions around the world

The Retail Banking Arena

FintechOS understands your need to innovate quickly and build more personal and smarter experiences. Customers expect your bank to work digitally, reliably, and effortlessly. This means that personalisation and seamless end-to-end customer journeys are a necessity – customer’s no longer choose their banks along broad lines – the key to winning them over is in the detail.

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FintechOS for Retail Banking

Our customer-centric platform for banking, enables banks and financial institutions to bring new products and services to market that are customer-centric, data-driven, and is fast to deploy.

The FintechOS platform brings customer centricity to financial services. To make products and services more personal, smarter, and faster, access to customer data is needed at every interaction. The Evolutive Data Core integrates banks’ data as well as data and services from an ecosystem of third-parties.

The FintechOS platform allows banks to create value quickly through a combination of pre-built functionality and low-code, with the option to keep legacy systems in place.

Learn more about our platform
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A winning strategy for Retail Banking

Customer Centricity

Use customer data at any stage of any interaction. Customer data is an integral part of the platform.

Connected to the Ecosystem

Benefit from data and services provided by third-parties to complement your own services.

Fast time-to-market

Launch products and customer journeys faster by building with modular Automation Blocks.

Reduced complexity on IT

Enable business teams to innovate by themselves with the low-code Innovation Studio.

Continuous Innovation

Use any data source or any service to improve your offerings, the Evolutive Data Core will grow with you. That’s what it’s made to do.

Customer Journeys – Design for convenience

Use customer data at any stage of any interaction. Customer data is an integral part of the platform.

Our Retail Banking solutions

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Digital Onboarding

Increase conversion and create a frictionless experience for your new customers. With the FintechOS platform you can create end-to-end digital onboarding journeys that integrate the latest technologies for identity management.

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Personal Loans and Credit Cards

Make applying for a loan a breeze. With automated workflows, smart credit decisioning and digital documents and signatures customers can get a loan in a matter of minutes.

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Digital Deposits

Use smarter personalised campaigns to offer tailoired savings products to the right audience. Onboard customers seamlessly and make saving money easy and attractive to your customers.

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Digital Mortgages

Take the complexity out of mortgage applications for your customers. The easier the process becomes the more efficiently your business will grow. Our many integrations with third-party services result in shorter time-to-money for customers and leading customer experience.

What our customers are saying

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For tbi the operational challenge could be summed up in one word: friction. Customer onboarding was cumbersome, with paper-based data processes for the bank and for prospective clients – a classic source of friction.

 What the bank needed was flexibility, automation, and online processes – and fast.  

  • Integrated digital lending platform implemented in two months 
  • Timetomoney for new customers reduced from three days to 15 minutes
  • Automated customized product offers drive record month-on-month growth  
  • Over one million online loan applications in 2020 and rising 
  • Seamless, embedded lending integrated with more than 10,000 online merchants 

It is not easy to open the way for innovation in a traditional banking market. But the desire and courage to offer our clients a different financing solution, 100% on-line was sustained by the boldness of our partner, FintechOS, to develop the necessary technology.

Kostas Tovil, SVP E-Commerce, tbi bank

Real ROI for every team


The FintechOS platform enables you to design personalized products and customer journeys while radically reducing time-to-market. Update your existing offerings and design your own with our Innovation Studio and remove the strain on your IT department.

  • Reduce time-to-market
  • Personalise products
  • Create customer journeys


Reduce the risk of unsupported customized legacy infrastructure by gradually decreasing reliance on these systems. Move critical functionality into the FintechOS platform and reduce core systems to product servicing dumb ledgers over time. With fewer worries about legacy infrastructure and less time spend on maintaining legacy systems IT can finally play an active role in moving the business forward.

  • Create a transition path for legacy infrastructure
  • Spend less time on maintenance
  • Become a pro-active partner to the business


Be part of the conversation from day one. When a new financial product or service is launched, the marketing strategy should be built into it. With the FintechOS platform this has become a reality. Products and services can be targeted to custom personas you can define yourself and promoted with omnichannel campaigns, thanks to the personalization features of the Evolutive Data Core.

  • Design the marketing strategy with the product
  • Build personas and audiences to use across the platform
  • Personalize offerings based on personas and behavior

Compliance Teams

Compliance provides the checks and balances needed to meet safety, regulatory, and ethical standards. Yet with increasing regulatory pressure it becomes harder and harder to be compliant without slowing down the business. End-to-end digitization helps to take away bottlenecks and speed up processes. Advanced analytics, artificial intelligence and machine learning help to discriminate between benign and fraudulent cases.

  • Benefit from the audit capabilities of fully digital customer journeys
  • Integrate with AML and KYC solutions from the ecosystem
  • Use advanced analytics and artificial intelligence to identify fraud


Yesterday’s operational models cannot support today’s sales channels. The backoffice with its analogue processes and many handovers isn’t built to compete on convenience and speed. The FintechOS platform helps banks to digitize their workflows end-to-end with advanced workflows, digital KYC, case management, digital documents, and e-signatures. This reduces customer journeys to a single digital session, improving customer outcomes and relieving pressure on staff in the process.

  • Create a fully paperless back office
  • Use process automation to fully digitize onboarding and origination
  • Manage complex cases faster with digital case management
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Learn how you can get up and running with your solution in 12 weeks.​

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