Top 50 Digital Banking Core in Asia

XFIN provides a digital banking platform that enables small and mid-sized banks to launch fully functional SME and retail banking services within 30 days using a no-code product designer and secure cloud infrastructure. This solution addresses the need for banks to modernize their offerings and compete effectively in a rapidly evolving financial 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.

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.

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.

Inypay provides a complete Banking as a Service (iBaaS) platform featuring mobile, web, core banking, and CRM components for rapid deployment. This production-ready digital banking stack enables rural banks, MFIs, and finance companies to launch digital services in three to six months with reduced CAPEX. The API-first, cloud-native architecture supports real-time processing, scalability, and flexible deployment options including SaaS and dedicated cloud environments.

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.

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.

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.

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.

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.

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.

Azentio Software develops vertical-specific software solutions for banking, financial services, and insurance, utilizing cloud-powered automation and end-to-end digitization to enhance operational efficiency. Their platforms address the challenges of high operational costs and customer retention by streamlining processes and improving service delivery across various financial sectors.

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.

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.

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.

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.

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.

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.

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.

Al Ahli Bank of Kuwait provides telebanking and e-banking services, enabling individuals and businesses to access loans efficiently through digital platforms. This approach addresses the need for convenient and accessible financial services in a rapidly evolving banking landscape.

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.

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 provides financial services tailored for underbanked communities, utilizing mobile technology to facilitate access to banking and credit. By addressing the lack of traditional banking options, it enables users to manage their finances and build credit histories effectively.

Walrus provides digital banking services tailored for students, utilizing a mobile-first platform that simplifies account management and financial literacy. The service addresses the lack of accessible banking solutions for students, offering features like budgeting tools and no-fee transactions to enhance their financial independence.

The startup offers a fully managed card issuance and processing platform that integrates legal payment technologies with a fraud control system and user spending management features. It provides customizable digital banking products, including virtual and physical cards, tailored to meet individual user requirements.

The startup offers a transaction banking platform that facilitates cross-border payments through real-time settlement, fraud prevention, and secured transactions. By ensuring compliance with regulatory requirements, the platform enhances efficiency and transparency for clients engaged in international financial transactions.

Wallyt provides Banking-as-a-Service software and APIs that enable businesses to manage payments and fund disbursements through a unified platform. By integrating essential payment system functions, Wallyt addresses the complexities of payment processing, enhancing scalability and operational efficiency for financial institutions and merchants globally.

The startup provides an Open Banking Platform that enables secure data sharing between banks, customers, and authorized third parties through standardized APIs. This platform addresses fragmented access to financial data, enhancing the delivery of personalized financial services.

M2P Fintech provides a customizable API infrastructure for payments, lending, and banking services, enabling businesses to efficiently manage customer onboarding, compliance, and transaction processing. Their solutions facilitate the rapid deployment of financial products, addressing the need for secure and scalable financial services in a competitive market.

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.

AccuPayd Tech provides global banking and payment tools, including card issuance and banking services, to enable businesses to accept payments and conduct commerce. Their platform also offers a bill payment portal, allowing users to pay utilities and other bills in one place. These services help businesses streamline financial operations and facilitate digital transactions.

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.

Uzum is a digital services ecosystem that integrates e-commerce, fintech, and banking solutions, providing a marketplace, express delivery, and a neobank to enhance online shopping and financial accessibility for individuals and SMEs in Uzbekistan. The platform addresses the challenges of limited access to diverse goods and efficient payment methods, enabling over 10 million users to streamline their purchasing and banking experiences.

The startup operates a blockchain-enabled fintech platform that enhances the last-mile delivery of financial services by integrating seamlessly with existing banking systems. This platform enables banks and cash outlets to efficiently originate and manage credit, expanding access to underserved market segments.

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.

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.

FlexM is an all-in-one fintech platform that provides regulatory compliance, secure multi-currency payments, and cloud-based remittance solutions, enabling businesses to streamline financial operations. Its modular architecture includes white-label options for merchant acquisition and ready-to-deploy neo-banking services, addressing the need for integrated financial services in a competitive market.

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.

The startup operates a virtual banking platform that provides small-value deposit solutions, including loans and remittances, to individuals and small to mid-size enterprises with limited access to traditional banking services. By promoting financial inclusion, the company enables underserved populations to engage in essential banking activities, enhancing their economic opportunities.

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.

AdalFi provides a digital lending infrastructure that utilizes AI-powered credit scoring to enable real-time access to credit for consumers and small businesses. By partnering with banks, AdalFi facilitates the launch of various digital loan products, enhancing financial inclusion and streamlining the lending process.

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.

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.

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.

CoreChain provides an embedded fintech platform that digitizes B2B payments and adds supply‑chain financing through RESTful APIs and SDKs that integrate with ERP, marketplace, or banking systems. The service replaces paper checks with real‑time electronic transfers, offers on‑demand working‑capital lines of credit and invoice‑acceleration, and includes automated fraud monitoring and a transaction‑rebate engine. It connects a network of over 240,000 suppliers and multiple financial institutions, delivering cash‑flow analytics via a SOC‑2‑compliant dashboard.

Roopya provides a Lending-as-a-Service (LaaS) platform that enables banks, NBFCs, and fintechs to quickly onboard customers and manage loan origination, underwriting, and servicing without the need for extensive infrastructure. The platform streamlines the lending process by offering a customizable customer journey builder and a business rule engine, allowing lenders to efficiently connect with multiple partners and improve loan disbursal rates.

FinBox provides a digital credit infrastructure and risk intelligence suite that enables banks and NBFCs to launch and scale tailored credit products efficiently. By utilizing APIs for rapid loan origination and advanced underwriting algorithms, FinBox enhances approval rates and reduces risk for lenders, facilitating a streamlined customer journey.

CROWDO is a digital financial solutions platform utilizing Neobank technology to provide SMEs in emerging markets with streamlined business accounts and embedded B2B finance options. The platform enhances access to financing and digitalizes supply chain processes, enabling SMEs to operate efficiently without the burden of traditional banking fees.

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.