Digital Banking Solutions by Qulix: Seamless Banking Anywhere

Welcome to Qulix, a credible provider of powerful digital banking solutions.

Taking Online Banking Software to the Next Level: Our Proposition

offer

Digital banking software demands a special approach. In opposition to legacy systems still used in traditional finance, it has to be agile, iteration-oriented, with practical research of hypotheses, and prompt reaction to consumer feedback.

We know how to deliver best in class digital offerings and do it within a year at a reasonable pricing.

Would Our Platform Be a Good Match for You?

Yes, if you tick one of the boxes below:

You’re planning to obtain a financial license.
You already have a license and are now looking to build a full-fledged digital bank.
You have a banking partnership that grants you access to a license, and the next item on your to-do list is technical implementation.

Detailed Scope of Our Responsibilities

We can serve as the general contractor for your e-banking project and oversee the integration of all components and vendors into a unified structure. Our team takes full accountability for delivering business results.

Here is what we can do for you:

Concept definition, macro-planning, and establishment of ICP/positioning.

Deployment of an omnichannel digital banking platform and integration of all third-party components.

Pre-production and production environment deployment in cloud or on-premise settings.

Analysis of early adopters' feedback and functionality refinement.

Comprehensive load and security testing.

Provision of Tier-2+ support.

Composition of the BRD. Together with your team, Qulix domain experts and analysts define and document the necessary digital banking processes.

Implementation and optimization of digital banking components to meet requirements (core, processing, CRM, KYC, etc.).

Implementation of UI/UX. Alignment of business processes with project requirements and local regulations.

Negotiations with suppliers of external systems and execution of GAP analysis, cost analysis, and implementation planning.

Please note that we do not provide core banking, card processing, and CRM functionalities. These components must comply with local regulations. We can recommend providers of suitable services and help you secure the most favorable commercial terms.

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Capabilities of Our Next-Generation Digital Banking Solution

features

Whatever your business requirements are, with our software, you can take the approach that feels right. Our platform for digital banking offers a set of services that can be customized to meet the client's needs, improve efficiency, and foster innovation within an organization. See what you can leverage below.

Retail Functionality

SMB and Corporate Functionality

Basic

Onboarding & KYC Account opening, login, and e-registration.
Accounts & Cards Product information, operations with products, statements, and limit management.
Payments Money transfers (C2A, C2C, A2C) and utility payments.
ATM/Geolocation Nearest ATMs and physical branch offices.

Basic

Accounts Opening, statements, transactions, payments, bookings, and more.
General Information Overview of the organization profile, settings, currency rates, ATMs, and bank branches.
Payments Payment orders, archive, cancellations, templates, recurring payments, and more.
Currency Payments and Control Transit accounts, transaction passports, automated control, OFAC, etc.
Payroll Project Statements and payments, import, automated control, benefits.
Corporate Cards Business expenses, purchasing services and materials, travel, and more.

Advanced

PFM Spendings analysis, budgeting, and financial goals setting.
Loans & Deposits Loan issuance, deposit account opening, statements, and product-related transactions.
Loyalty Program Discounts and partnership management.
My Friends Financial operations with a selected group of account holders.
Family Banking Financial operations among family members, shared goals for financial wellness and wealth building.

Advanced

Loans & Deposits Opening of credit lines, general information, statements, loan repayments, etc.
BFM Budgeting and cash flow forecasting.
Control of Branches/Subordinate Units Multi-layer approval and signature, unified ID for multiple companies, and a consolidated view of financials.
E-invoicing Issuing, receiving, managing, and archiving legally and digitally signed invoices.

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Financial Clients That Love What We Do

clients

How Much Does Digital Bank Development Cost?

Get insights from our experts on how much leading financial institutions may spend to build a robust banking platform.

DOWNLOAD THE WHITEPAPER

Standard Stages of Project Development

process

Digital Banking Vision
We address regulatory matters, define your target audience, and outline the core functionality.
Stage Planning
Our team creates a functionality backlog for 1–2 years, then breaks it down into stages (PoC, MVP, etc.).
PoC Development
We implement 2–3 key user operation scenarios, such as login, card list view, and card transfers. The client oversees the integration of all components. Our designers develop the UI/UX concept.
MVP Development
Early adopters test a minimum set of features required to go live. Their feedback helps us improve the solution.
Continuous Development
We advise arranging the backlog and CI/CD processes under the supervision of a dedicated team. It's also possible to create a joint hybrid team to evolve your software and release new features together.

The MVP stage is crucial for project development. Based on our experience, we recommend implementing the following features:

Client KYC & Onboarding (account and card opening)
Login & Logout
My Products (cards, accounts)
Transfers between Products (C2A, C2C)
Payment Integration (ideally including utility payments)
Account Statements

Additional features can be introduced in future releases.

Technologies We Use

tech stack

As a global digital banking software provider, we can apply any technology from our expertise pool. For software that's meant for banks and credit unions, we prefer the following:

Front End (Web)

React

Back End

Java
.NET
Scala
Go

Mobile

Swift
Kotlin
React Native

Middleware

RabbitMQ
ActiveMQ
Kafka
Kubernetes
Docker
AWS
Azure

Database

PostgreSQL
MS SQL

Why Choose Qulix?

partners

80%

of projects are products for the financial industry

500+

in-house experts

25+

years of niche expertise

200+

satisfied customers from 30+ countries across the globe

92%

is the retention rate

We know how to find the right approach to the client and make the project a success. These are the principles that help us do that:

We Respect Security Standards

We proactively identify potential threats to our customers' systems and platforms and develop countermeasures to mitigate them. Our team relies exclusively on recognized and thoroughly tested solutions.

We Offer Top-of-the-Line Expertise

Our hands-on experience covers crypto, digital assets, cross-border payments, remittances, investments, PFM/BFM, and more. We know how to develop solutions of any complexity.

Confidence in Our Product Is Our Main Selling Point

With us, you will receive an MVP and well-established processes for future development within just a few months. This ensures a reliable, fast way to acquire cutting-edge banking software and stay ahead of the competition.

Transparency Is Key for the Qulix Team

Trust is the foundation of lasting business relationships, which is why we are committed to keeping all parties informed. Our workflow includes regular builds, streamlined CI/CD, and daily sprints to track project advancements.

Contacts

get in touch

We’d love to hear from you!

Tell us about your project or the challenge you have, and we’ll get back to you soon.

Prefer direct contact?

E-mail us at request@qulix.com