A cloud-native, API-first core banking system for retail and corporate banking — with 120+ live implementations, regulatory reporting built in, and a parallel compatibility layer that means you don’t have to rip out what’s already working.
Banks don’t fail to modernize for lack of ambition. They stall because the incumbent core has too much leverage. Migration risk, fragmented systems, and compounding costs create a trap that’s hard to exit without the right platform.
No two banks modernize the same way. The right path depends on your risk appetite, timeline, and where the most pressure is. What matters is that you move — and that your platform can support whichever path you choose.
Whether you’re going all-in, running a parallel build, swapping modules progressively, or layering on top of an existing core — MobiFin Digital Core Banking is architected to plug into any of these strategies.
Reimagine everything at once.
Full-stack reset. Chosen by banks launching digital-only brands or pursuing ground-up reinvention.
New journeys on a parallel stack.
Launch digital lending, e-wallets, or instant onboarding fast — without touching the main core.
Module by module, at your pace.
Replace lending, deposits, or collections in phases using cloud-native components — no big cutover required.
Refresh the experience, preserve the core.
Layer new channels, chatbots, or merchant tools on top — the backend stays intact.
Built for co-operative banks, commercial banks, NBFCs, MFIs, and credit unions.
MobiFin Digital Core Banking is a MACH-architecture platform — Microservices, API-First, Cloud-Native, Headless — with regulatory reporting built in, parallel core compatibility for risk-free migration, and a blockchain-enabled audit trail that survives any inspection.
From daily teller operations and CASA management to trade finance and treasury — a single platform handles the full spectrum of retail and corporate banking without stitching together multiple systems.
Comprehensive current and savings account management with term deposits, recurring deposits, flexible flexi-deposits, and sweep-in/out instructions. Deposit education loan schemes and micro-savings support included.
End-to-end loan lifecycle management covering term loans, overdrafts, cash credit, and education loans. Interest rate templates support fixed, floating, slab-wise, and category-wise configurations. Integrated NPA management and legal recovery tracking.
Full teller workflow with cash vault management, locker management, stationery and inventory, and standing instructions. Supports multi-branch operations with configurable working time and holiday management.
Digital-first onboarding with centralized KYC registry integration, eKYC interface, unique customer identification, and imaging module for photo and signature capture. Blockchain-driven KYC with smart contracts for enhanced verification integrity.
Full payment stack covering outward remittances, clearing and settlement, direct debit and mandate management, and real-time online general ledger — configurable for local payment rails and clearing schemes in each market.
Full ATM registration, card printing, and card lifecycle management for debit, credit, and prepaid. Supports card issuance, blocking, and status tracking from the back office.
Integrated MIS/DSS with auto EOD/BOD processing, exception reports, dynamic ad-hoc report builder, and packaged regulatory reports. Business intelligence and analytics with full data migration support from legacy systems.
Full export and import trade finance covering inland LC/BG, trade documentation automation, SWIFT integration, supply chain finance, and cross-border accounting. Foreign outward remittances and cross-border documentation supported.
Comprehensive treasury management covering bank investment portfolio (G-Secs, bonds, money markets), forex and micro-finance, asset liability management (ALM), and liquidity management.
IFRS 9 supported accounting with real-time online general ledger, share and dividend accounting, auto risk categorization, and dormant account and government payment compliance. Full interest computation and capitalisation engine.
Integrated HR and payroll system with ESS portal covering employee profiles, KYC, education, and leave management. Fixed asset management with depreciation, maintenance schedules, and bulk batch processing.
Risk-based internal audit, AML monitoring (CTR/CFT, STR, CCR, NTR), flexible approval workflow on 4-eye principle, CISA-certified VAPT compliance, and UDF/mandatory fields configuration for custom compliance requirements.
Dedicated shares and dividend accounting module and bank liability module for NBFCs and microfinance institutions, with flexible event-based service charges, local tax integration, and NPA management workflow including legal recovery.
Track and maintain corporate assets — depreciation calculations, maintenance schedules, disposal records, and inventory — with full opening reports and vendor ledger management.
Compliance shouldn’t be a module you buy separately or a report you build internally. MobiFin Digital Core Banking ships with a comprehensive regulatory intelligence hub — AML monitoring, central bank submission reports, blockchain-enabled audit, and a localization stack for regional requirements — all included, all maintained.
Smart contract-based KYC verification creates a verifiable, immutable record of every identity check — reducing fraud risk and giving auditors a single source of truth.
MobiFin Digital Core Banking is a MACH-architecture platform — every module independently deployable, every layer cloud-native. The parallel core compatibility layer means you’re never forced into a disruptive cutover. The new platform runs live alongside your existing core, protecting investments and letting your team validate at their own pace.
New and existing core run simultaneously. Phased migration with no disruptive cutover. Investment protected.
Microservices, API-First, Cloud-Native, Headless. Each module independently deployable and scalable.
Cloud-native deployment on any major cloud provider with built-in business continuity and disaster recovery. On-premises also available.
PAM/IAM access controls, AES-256 encryption at rest and in motion, SIEM integration, and CISA-certified VAPT compliance.
Mobile Banking · Internet Banking · BaaS · IVR · USSD · Chatbots
Payment Switch · Clearing House · Account Aggregator · SWIFT / Open Banking
CASA · Loans · Trade Finance · Treasury · HR Payroll · NPA
AML · RegTech · Fraud Detection · Regulatory Reports · Blockchain Audit
Cloud-Native · Cybersecurity Resilience · BCP/DR · Risk-Based Monitoring
Branches on platform
Back office platform users
Banking customers
Transactions per day
“Went above and beyond to solve the digital core banking migration in a timely manner. Kudos for the hard work and commitment — thank you for helping us move forward in offering innovative digital banking services to our customers.”
Branches on platform
Back office platform users
Banking customers
Transactions per day
“We have embraced digital banking as a cornerstone of our innovation strategy. We are happy to partner with MobiFin for our digital core banking transformation. We have leveraged the platform’s modules for Retail, Corporate, and Regulatory Compliance.”
One of the longest-running live deployments — 15+ years on the platform — covering retail core, mobile and internet banking, local payment rails, WhatsApp banking, bill payments, and direct debit mandate management for 200K customers.
Branches on platform
Back office platform users
Banking customers
Transactions per day
“We have been operational since November 2010. You’ve come a long way since you started. Appreciate your focus and determination in going the extra mile — managing all the complexities of hosting CBS and digital banking services on Cloud.”
Systems aligned with global quality and information security frameworks — CMMI Maturity Level 5 through to ISO cloud security standards.
Maturity Level 5 — highest level of process maturity in software engineering
Talk to our team. We’ll walk you through MobiFin Digital Core Banking on your current infrastructure, your regulatory context, and your migration timeline.
