Digital Banking Platform
The new core for banks
Innovation no longer happens in the core but on a digital banking platform. Our Digital Banking Operating System (DBOS) brings everything together, customers, employees, and services, while creating seamless connections that drive better, AI-powered banking experiences.















Engage. Integrate. Modernise.
A digital platform built to streamline operations, empower teams, and elevate every interaction.
Effortless AI-Powered Customer Experiences
Leverage AI-powered tools to create personalised customer journeys that adapt in real time—helping you target, cross-sell, and up-sell with precision. Deliver relevant experiences that enhance engagement, build loyalty, and drive long-term profitability.
Empower customers with easy access to personalised, aggregated insights, available exactly when and where they’re needed. From seamless, consistent interactions across channels to real-time visibility into journeys like mortgage or loan applications, ensure every step is clear, connected, and impactful.
Integration: The Foundation of Exceptional Customer Experience
In today’s fragmented banking landscape, systems, services, and users often operate in silos. Our platform bridges the gaps, seamlessly integrating products, services, and customer data across internal systems and external providers.
With the Digital Bank Operating System (DBOS), banks can unify workflows, connect teams, and streamline interactions across all digital touchpoints - web, mobile, and in-branch. The result: faster access to accurate data, improved service delivery, and a consistent, high-quality customer experience.
Designed for scale and flexibility, DBOS turns complexity into clarity, enabling banks to adapt quickly and compete effectively in a digital-first world.
A Digital Banking Platform Built for Agility
DBOS enables banks to respond faster to change, whether it’s evolving regulations, new product launches, or shifting customer expectations. Designed for agility, it streamlines development and operations with a modular, future-ready architecture.
Empower business teams to take the lead. With powerful low-code/no-code tools, non-technical users (Citizen Developers) can design, build, and deploy new features independently, reducing reliance on IT and eliminating development bottlenecks.
Break free from vendor lock-in. DBOS puts control in your hands—from configuration to deployment—while ready-made solutions and pre-configured banking processes shorten time to market.

Better Customer Experience
Unified Integration
Business-Led Innovation
Speed To Market
No Vendor Lock-In
Agile By Design
Personalisation Capabilities
We bring customer data to life, enabling banks to engage with customers more effectively.
Meet your customer’s new financial coach.
Introducing a next-generation AI Financial Assistant that speaks your users’ language. From “How much did I spend on food last month?” to “Can I afford a vacation?”, this intelligent, conversational system provides clear, actionable answers based on real financial data.
It visualises trends, sets savings goals, and even includes embedded calls-to-action for instant banking moves.
Not just a chatbot—it’s a fully agentic, multi-AI assistant designed for real-time guidance and long-term financial wellness.
See How It Works →
Personalisation powered by AI - no code required.
Our GenAI-driven Targeting Module empowers marketers to create hyper-targeted campaigns using real-time behavioural data, life event triggers, and spending patterns.
Easily define audience segments, detect changes in customer behaviour, and launch personalised journeys that truly resonate—without writing a single line of code.
Unlock the full potential of your customer data.
We go beyond raw transactions by enriching and categorising data, we build dynamic customer profiles using over 300+ behavioural indicators.
These smart profiles detect life changes, evolving habits, and hidden opportunities. The result? Banks can help users gain deeper financial awareness, plan smarter budgets, and set meaningful goals—making long-term financial health easier than ever.
With smarter customer understanding, you can deliver highly targeted offers, and significantly boost cross-sell and up-sell effectiveness, driving both engagement and growth.
Turn financial data into daily, delightful insights.
Money Stories bring your users' finances to life with short, engaging stories directly in your app. These bite-sized, highly personalised insights help customers track spending and income trends across days, weeks, and months.
With over 25+ prebuilt story types, delivered only when relevant, users stay informed, form habits, and take control of their money, without effort.
Make sustainability part of everyday banking.
With Carbon Stories, your users can see the environmental impact of their spending, presented in a familiar, story-driven format. Automatic carbon calculations offer insights into their footprint, show what’s driving it, and suggest simple actions to reduce it.
It’s an intuitive way to promote climate-conscious choices while boosting digital engagement.
Reimagine loyalty with data-driven rewards.
Our end-to-end loyalty platform transforms your banking app into a powerful sales and engagement engine. Through advanced analytics, partner networks, and real-time personalisation, we deliver relevant, merchant-funded offers tailored to each user.
From cross-selling banking products to boosting NPS, this solution builds long-term loyalty and meaningful customer connections.
A Multi-Purpose Digital Banking Platform
From personalised experiences through AI-driven operations to enhanced security, explore powerful capabilities that drive secure, connected, and intelligent banking.
Payments
Secure and seamless integration with gateways and digital wallets.
Open Banking
Secured API management for seamless third-party integrations.
Operating Data Storage
Store and manage customer data in real-time, as the foundation for digital banking.
Process Orchestration
Automated workflows and customer journey design improved efficiency.
AI & Machine Learning
Predictive analytics and AI-driven automation for an outstanding user experience.
Freud Prevention
Advanced security for transactions and customer data protection.
Proven. Trusted. Delivered.






One Platform. Many Possibilities.
Whether you serve individuals, businesses, or investors, engage customers effortlessly, anytime, anywhere, with a modern digital banking platform.



Your Expert Guide to Digital Banking
Discover how to transform mindsets, select the right partners, and build a future-ready banking platform. Watch the video serie with our expert!

How To Adopt Digital Banking Platforms?

How to modernise your legacy system?

Buy or Build a Digital Banking Platform?

How to choose a partner for your digital banking initiatives?

How to accelerate and keep control at the same time?

How Banks can keep up with increasing customer expectations?
Let’s Talk
Let’s Talk
Interested in accelerating your digital transformation? Get in touch today to schedule a consultation and explore how Finshape can help you take control of your digital banking future.