A top-tier European retail bank inside a major banking group needed a fully digital path for customers to open accounts and contract products online. We designed and built the orchestration back-end that coordinates KYC, AML, scoring, identification, signing, and core banking end to end.
The bank wanted customers to open accounts fully online, without a branch visit. The reality: KYC, AML, credit scoring, and core banking each lived in its own silo, with its own interfaces and release cycle.
One layer had to orchestrate a live customer through identification, verification, screening, scoring, signing, and account creation — while satisfying KYC/AML, GDPR, and every audit control a regulated bank runs.
And the platform had to absorb new products and new regulatory rules without a full re-engineering cycle each time.
We led the architecture of a central orchestration engine: modelling each journey as a state machine, routing every step through the right service, and producing the audit trail the compliance function needed.
Senior engineers worked directly with the bank's digital channels group, core banking team, and risk and compliance functions — with decisions documented and signed off before anything touched production.
The bank runs one production orchestration system that drives the full digital onboarding journey, end to end. Channel-specific workarounds are gone — every digital product plugs into the same configurable flow.
Onboarding is materially faster because steps that used to wait on manual reconciliation now run inline. The bank can launch new journeys through business-rule configuration instead of an engineering release cycle, and has a single place to monitor, audit, and govern digital onboarding across products.
Every European retail bank is racing to ship the same thing: a compliant, fast, fully digital path from first visit to funded account. The banks that keep shipping new journeys are the ones with an orchestration layer underneath; the rest keep rebuilding.
The bank now has the foundation to expand digital channels and absorb regulatory change on the same controllable, auditable platform — not as a fresh integration project each time.
30 minutes. No pitch deck. Scope, timeline, and an honest read on fit.
A European payments and clearing infrastructure operator needed country-scale instant payments aligned with SEPA Instant Credit Transfer — real-time settlement, 24/7/365 uptime, multi-bank integration, and regulator-grade security. We acted as the technology partner translating business and regulatory requirements into a live platform.
Read the case study Banking · Digital channelsA leading European banking group needed to modernise mobile banking at group scale — one coherent UX across markets, one platform for retail and corporate customers, and a front-end architecture that keeps up with group-scale feature delivery.
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