Top 50 Digital Banking Core in Asia

Netbank offers a BSP‑licensed Banking‑as‑a‑Service platform that delivers core banking functions—account provisioning, payments, card issuance, and loan origination—through RESTful APIs and white‑label UI components. The solution lets Philippine fintechs, e‑commerce marketplaces, BNPL providers, and corporate treasury teams embed regulated banking services with built‑in AML/KYC, real‑time settlement to domestic rails, and scalable cloud infrastructure.

HugoBank is a digital banking platform that enables users to open accounts online, conduct secure fund transfers, and manage bill payments without hidden fees. By providing 24/7 access to banking services and smart savings options, it addresses the need for transparent and convenient financial management.

Provides digital banking services that streamline personal finance management through a user-friendly platform. It offers features such as seamless account integration, real-time transaction tracking, and automated savings tools, helping users optimize their financial health and achieve their goals.

UnionDigital Bank offers digital banking solutions focused on enabling growth in blockchain, data science, and AI for both individual and business customers. Their services aim to provide accessible and innovative financial tools within these emerging technology sectors.

This neobank provides a digital platform that connects customers with banking partners through a mobile-first interface, offering services such as online investment, payment processing, and savings accounts. By delivering personalized banking experiences, the company addresses the need for tailored financial solutions in a rapidly evolving digital landscape.

The startup offers a composable coreless banking platform that enables users to rapidly develop and launch lending and payment products using no-code policy building and secure data management. This technology addresses the need for financial institutions to quickly adapt to market demands while ensuring compliance and data security.

Wio Bank provides a digital financial platform that integrates banking services for personal and business use, utilizing Banking as a Service and embedded finance technologies. This platform simplifies financial management and enables businesses to offer customized banking products, addressing the complexity and fragmentation of traditional banking systems.

GXS is a digital bank that utilizes mobile app integration with Grab and Singtel to provide users with seamless access to banking services, including daily interest on savings and cashback rewards on spending. It addresses the need for efficient, fee-free banking solutions by offering instant loans and a user-friendly interface that eliminates the need for physical branches.

UNO Digital Bank utilizes artificial intelligence to provide a secure and efficient digital banking experience, enabling users to manage their finances through high-interest savings accounts, time deposits, and collateral-free loans. The platform addresses the need for accessible banking services in the Philippines, allowing customers to transact anytime and anywhere while ensuring their deposits are insured up to PHP 500,000.

Audax provides a cloud-native, modular banking infrastructure that enables banks to implement fully automated digital account opening and electronic Know Your Customer (eKYC) verification. This technology allows financial institutions to rapidly launch new products and services, reducing customer acquisition costs while enhancing operational efficiency.

FYNDNA TechCorp Pvt Ltd develops a cloud-native financial middleware platform that enables banks to create and deploy scalable digital banking solutions while ensuring compliance with regulatory standards. The platform utilizes modern technologies such as microservices, distributed SQL databases, and real-time analytics to enhance customer engagement and operational efficiency in the financial sector.

Mox Bank provides a digital banking platform that offers daily interest on savings and instant cash-back rewards on spending, enhancing user engagement with real-time financial benefits. By enabling seamless transactions and investment options, Mox addresses the need for efficient money management and wealth growth in a competitive banking landscape.

The startup operates a virtual banking platform that integrates banking, insurance, and investment services into a single digital interface. By providing 24/7 access to financial services such as loans and investments, it simplifies the management of personal finances for users seeking a streamlined solution.

Provides a digital banking platform in Vietnam offering no-fee payment accounts, virtual and physical VISA debit cards, and flexible credit options. It simplifies personal finance management with features like automated savings, expense tracking, and international money transfers, enabling users to optimize their financial health and access tailored financial products.

TONIK is a digital bank that offers retail financial products such as savings accounts with up to 6% annual interest, loans, and payment services through a user-friendly mobile app. By providing high-yield savings options and streamlined credit-building features, TONIK addresses the need for accessible and rewarding banking solutions in the digital finance landscape.

Yalla provides a digital banking platform offering both personal and commercial financial services. Their platform aims to provide accessible and convenient banking solutions for individuals and businesses.

TBC Bank Uzbekistan is a digital bank that offers online financial solutions, enabling customers to manage their banking needs through a secure and user-friendly platform. The bank provides services such as account management, fund transfers, and loan applications, addressing the challenges of accessibility and convenience in traditional banking.

Staq offers a Banking-as-a-Service platform that provides a suite of financial products, including payments, lending, and identity verification, enabling businesses to integrate and launch digital banking solutions efficiently. Their Embedded Finance Solutions allow companies to seamlessly incorporate financial services into their existing digital products, addressing the need for flexible and scalable financial infrastructure.

D360 Bank is the first licensed digital bank in Saudi Arabia, offering a fully compliant banking experience that adheres to Islamic finance principles. It provides users with flexible, secure access to banking services anytime and anywhere, addressing the need for modern financial solutions in a rapidly digitizing economy.

SadaPay provides a digital banking platform that enables users to conduct free instant money transfers, pay bills, and manage remittances through a user-friendly mobile app. The service addresses the inefficiencies and high costs associated with traditional banking in Pakistan, offering global acceptance for transactions and a streamlined sign-up process.

Zolve is a neo-banking platform that offers tailored financial products to consumers, utilizing advanced digital banking technology to streamline account management and transactions. The platform addresses the lack of accessible banking solutions for underserved markets, enabling users to manage their finances efficiently and securely.

blu Bank is a neobank in Iran that offers a mobile platform for digital banking, enabling users to manage their finances with features like fast account setup and real-time transaction tracking. The platform provides accessible banking solutions with low fees, addressing the limited availability of traditional banking services in the region.

The startup provides a digital platform that consolidates banking, payments, travel, and financial management into a single user interface. This integration allows users to streamline their financial activities, reducing the complexity and inefficiency associated with managing multiple financial services.

branchX is a digital banking platform that utilizes AI-powered multilingual financial assistance to enhance financial inclusion for migrants in India. By offering neighborhood banking services and innovative combo cards, branchX addresses the challenges of access and usability in traditional banking systems for underserved communities.

The world's first multi-asset programmable bank that enables users to manage, customize, and automate financial transactions across multiple asset classes through a secure, regulated platform. It addresses the limitations of traditional banking by offering programmable financial tools that enhance flexibility, efficiency, and control for individuals and businesses.

This startup offers a banking infrastructure platform that integrates traditional banking systems with blockchain technology, enabling seamless management of both crypto and fiat transactions. It provides Banking-as-a-Service solutions, including whitelabel options and payment processing, to enhance security and accessibility for Web2 enterprises and Web3 innovators.

The startup operates a money management platform that integrates digital bank accounts and co-branded debit cards into a single mobile banking interface, allowing users to manage multiple financial services seamlessly. By automatically allocating funds for savings, the platform helps users enhance their financial decision-making and optimize their savings strategies.

Brankas offers a payment infrastructure and API suite that enables financial institutions and fintechs to integrate money-in and money-out capabilities. Their solutions streamline digital banking, lending, and remittance services while supporting open finance compliance.

DGlobal operates a digital banking platform in Pakistan that utilizes ethical banking principles rooted in Islamic finance to provide accessible financial services. The platform addresses the lack of inclusive financial management tools, empowering users to manage their finances with dignity and ease.

Brankas provides a suite of open banking APIs that enable businesses to automate fund transfers, streamline payment processes, and enhance digital banking experiences. By integrating these APIs, companies can reduce transaction costs and improve operational efficiency while ensuring compliance with regional financial regulations.

Boost Bank is a digital banking platform that offers savings accounts with up to 3.6% annual interest through customizable "Jars" and a debit card that provides 2% cashback on purchases. By enabling users to manage their finances and earn rewards through a mobile app, Boost Bank addresses the need for accessible and rewarding banking solutions in Malaysia.

Provides a banking-as-a-service platform with plug-and-play APIs for payment processing, KYC onboarding, and financial transactions. Enables businesses to integrate banking features like UPI gateways, bulk payouts, and escrow accounts, reducing time-to-market for fintech products by up to 90%. Processes over $5 billion annually, supporting 200 million+ API transactions for 1,000+ global businesses.

Paytm Payments Bank offers a mobile-first banking platform that provides zero-balance accounts with no digital transaction fees. This model enables users to manage their finances without the burden of minimum balance requirements or transaction costs, enhancing accessibility to banking services.

Blender is a fintech company that utilizes a fully digital platform and big data analytics to provide instant credit risk assessments and financing solutions for consumers at point-of-sale locations, both online and in-store. By offering quick and responsible access to loans, car financing, and investment opportunities, Blender addresses the challenges of traditional banking inefficiencies and high fees.

Neokred is a banking-as-a-payment platform that integrates payment processing, KYC compliance, and digital transformation solutions for brands and financial institutions. By streamlining these financial operations, Neokred enhances transaction efficiency and supports businesses in adapting to the evolving digital landscape.

The startup provides an online payment platform that integrates mobile wallets, prepaid cards, and payment gateway infrastructure for banks, e-money institutions, and telecom operators. This technology enables secure online and mobile transactions, bill management, and loyalty program access, addressing the need for efficient financial service solutions in a digital economy.

Akudo develops a digital banking application that provides personalized prepaid cards for teenagers, integrating financial education with money management tools in a gamified environment. This platform enables parents to monitor their children's spending while helping young consumers build financial literacy and responsibility.

stc pay is a licensed fintech platform in Saudi Arabia that offers a digital wallet for seamless financial management, enabling users to track expenses, make local and international transfers, and earn rewards. The app addresses the need for efficient banking solutions by consolidating multiple financial services into one secure interface, enhancing user control over their finances.

DGV is an integrated dairy fintech and marketplace platform that provides digital banking services and financial products, such as bovine loans and working capital, directly to dairy farmers and micro-enterprises in India. By enhancing access to financial infrastructure, DGV addresses the lack of convenient banking solutions and financial support within the dairy ecosystem, benefiting over 80 million stakeholders.

GoTyme Bank is a fintech platform that offers free money transfers between accounts and a 4% annual interest rate on savings, addressing the need for accessible banking services in the Philippines. The platform combines digital banking with personalized customer support, ensuring users receive assistance from real representatives rather than automated systems.

Sirius Technologies provides a composable application platform that enables banks and financial institutions to integrate and scale their existing IT systems while developing new digital products. This approach reduces operational costs and enhances agility, allowing clients to maintain compliance and leverage their legacy infrastructure effectively.

PT Sahabat Mikro Fintech provides digital financial solutions that enhance access to banking services for underserved communities through mobile and web platforms. The company focuses on improving financial inclusion by offering user-friendly tools for savings, loans, and financial education.

The startup operates a digital distribution platform that provides credit cards and personal loans through a streamlined, digitized process. Its digital financial advisor guides users from lead generation to application and disbursement, enhancing efficiency and reducing the complexity of obtaining financial products.

The startup provides a financial technology platform that enables retailers to offer digital services such as ATM banking, money transfers, SMS payments, and mobile recharges. This solution allows retailers to generate additional revenue streams by providing alternative payment options directly in their stores.

Neoleap provides a suite of digital financial services, including payment gateways, digital wallets, and point-of-sale systems, designed to facilitate secure online transactions for both individuals and businesses. By addressing the need for efficient and reliable payment solutions, Neoleap enhances financial accessibility and streamlines daily financial operations.

Easy is a digital banking platform that provides teenagers with tools to manage their money, including features for saving, spending, and investing. The platform operates under parental supervision, allowing parents to monitor and guide their children's financial activities.

The startup offers a financial platform that integrates white-labeled banking services with AI-driven recommendations for financial products, borrowing, and lending. Users can consolidate their savings, investments, credit cards, and loans from various institutions into a single dashboard, enhancing their ability to monitor and grow their finances digitally.

NextPay is a digital banking platform that enables small businesses and entrepreneurs in the Philippines to execute hassle-free payouts to over 70 banks and e-wallets without requiring a corporate bank account. The platform streamlines payment processes by allowing bulk disbursements and automated tracking, eliminating the need for time-consuming manual transactions.

Provides a digital banking platform tailored for teenagers, combining savings accounts, investment options, and financial education tools. It addresses the lack of early financial literacy by offering a secure environment for learning money management through real-world applications like the National Finance Olympiad, used in over 100 schools across India.

Entangle is a digital banking platform that utilizes a zero-trust architecture and multifactor authentication to ensure secure transactions and protect user data. It addresses the challenges faced by underserved populations by providing easy access to banking services, including instant lending and a streamlined dispute resolution process for erroneous transactions.