Card Processing & Digital Banking Development
A major European bank · under NDA
99.99% uptime
Where the bank was
The bank's legacy card processing systems had limited throughput and outdated security mechanisms. It needed comprehensive multi-card support (debit, credit, prepaid) with global network connectivity, a modern internet banking experience for customers, multi-device compatibility with biometric authentication, and strict compliance with PCI DSS, PSD2, and SCA standards.
3 phases
Months 1–5
Requirements gathering, modular architecture design on Oracle Financial Services, and a transaction processing engine with built-in fraud detection and real-time risk scoring.
Months 6–8
Responsive web and mobile banking interfaces with biometric authentication, self-service capabilities, and personalized dashboards.
Months 9–10
Security hardening to meet compliance standards, followed by a phased rollout with 24/7 monitoring.
Months 1–5
Requirements gathering, modular architecture design on Oracle Financial Services, and a transaction processing engine with built-in fraud detection and real-time risk scoring.
Months 6–8
Responsive web and mobile banking interfaces with biometric authentication, self-service capabilities, and personalized dashboards.
Months 9–10
Security hardening to meet compliance standards, followed by a phased rollout with 24/7 monitoring.
What changed
- Achieved a processing capacity of 1M+ transactions per day with sub-second response times.
- Full alignment with PCI DSS, PSD2, and GDPR.
- Transaction failures reduced by 35%, with uptime improved to 99.99%.
- A seamless, unified multi-card ecosystem.
- A stronger security framework with real-time fraud monitoring.
Want a result like this?
Most engagements start with a fixed-scope sprint from €10k — a measured answer in weeks, then the programme only if it pays off.