LICENSED BANKING
Digital Bank
Framework
A digital bank is judged on two things that pull against each other: how quickly a customer can open an account, and how well the controls behind that speed hold. We build both sides — license or sponsorship route, core banking and card processing, onboarding and fraud controls, financial crime monitoring, and the operational resilience evidence a regulator now asks for first.
THE SPECIFICATION
Architecture & Audience
A digital bank is not a lighter bank. The license, the capital requirement and the supervision are identical; what differs is distribution, cost to serve and the speed at which a customer base can be acquired or lost. The economics only work at volume, which means acquisition strategy is a prudential question rather than a marketing one.
Founders building a retail or SME bank from first principles; existing institutions launching a digital-only brand; and regional groups seeking scale distribution without a branch network.
What We Deliver
A complete architecture, designed, launched, and managed
We define the license pathway — full authorization or restricted license with mobilization conditions — and build the mobilization plan that satisfies the regulator’s conditions before the bank is permitted to take deposits from the public.
We model the capital requirement against the bank’s growth trajectory, stress scenarios, and the minimum threshold the regulator will accept at each stage of mobilization. Capital is planned forward, not backward from the point of deficiency.
We select and implement the core banking platform and digital channel stack that carries current accounts, savings, and payments at the volume the digital model requires. Technology selection is benchmarked against the regulator’s operational resilience expectations.
We build the digital onboarding flow and identity verification infrastructure that meets the regulator’s customer due diligence requirements and converts at a rate the economics of a digital bank can sustain.
We establish access to the payment schemes and rails the bank needs — domestic faster payments, international correspondent rails, and card scheme connectivity — negotiated and integrated before the bank goes live.
We design the credit decisioning framework for consumer or SME lending: scorecard and policy rules, limit structure, automated decisioning within policy, and the model governance the regulator expects for an algorithmically driven credit book.
We implement the financial crime controls calibrated for a digital bank’s volume and customer profile: real-time transaction monitoring, device and behavioral fraud detection, sanctions screening, and a suspicious activity reporting function that scales with the customer base.
We manage the regulatory approval process for the senior management team and controlled-function holders, and advise on the organizational structure the regulator will find credible for a bank at the planned scale.
We build the reporting infrastructure that delivers capital, liquidity, and conduct returns on schedule. The reporting function is designed for automated production from the core system, not manual assembly from spreadsheets.
What We Deliver
A complete architecture, designed, launched, and managed
We define the license pathway — full authorization or restricted license with mobilization conditions — and build the mobilization plan that satisfies the regulator’s conditions before the bank is permitted to take deposits from the public.
We model the capital requirement against the bank’s growth trajectory, stress scenarios, and the minimum threshold the regulator will accept at each stage of mobilization. Capital is planned forward, not backward from the point of deficiency.
We select and implement the core banking platform and digital channel stack that carries current accounts, savings, and payments at the volume the digital model requires. Technology selection is benchmarked against the regulator’s operational resilience expectations.
We build the digital onboarding flow and identity verification infrastructure that meets the regulator’s customer due diligence requirements and converts at a rate the economics of a digital bank can sustain.
We establish access to the payment schemes and rails the bank needs — domestic faster payments, international correspondent rails, and card scheme connectivity — negotiated and integrated before the bank goes live.
We design the credit decisioning framework for consumer or SME lending: scorecard and policy rules, limit structure, automated decisioning within policy, and the model governance the regulator expects for an algorithmically driven credit book.
We implement the financial crime controls calibrated for a digital bank’s volume and customer profile: real-time transaction monitoring, device and behavioral fraud detection, sanctions screening, and a suspicious activity reporting function that scales with the customer base.
We manage the regulatory approval process for the senior management team and controlled-function holders, and advise on the organizational structure the regulator will find credible for a bank at the planned scale.
We build the reporting infrastructure that delivers capital, liquidity, and conduct returns on schedule. The reporting function is designed for automated production from the core system, not manual assembly from spreadsheets.
Infrastructure Selection
Providers are chosen on quality and fit alone, assessed strictly on live performance, structural fit, and renewal terms. Any fee a provider pays the House is declared to the client in writing. Providers are named exclusively under formal engagement, never on a public website.