Neobank & Digital Banking Platforms
We engineer digital banking platforms from core banking ledgers to consumer-facing mobile apps. Our neobank solutions cover account opening, virtual/physical card issuance, P2P transfers, micro-lending, savings products, and the compliance infrastructure needed for banking licenses across MENA, Europe, and emerging markets.
What is Neobank & Digital Banking Platforms?
Neobank and digital banking platform development creates cloud-native banking infrastructure with event-sourced ledgers, card-as-a-service integration, real-time payment processing, and regulatory compliance modules. Platforms support multi-currency operations, Islamic banking product structures (Murabaha, Wakala), and open banking API integration for a complete digital banking experience.
Engineering Targets
Figures below are the benchmarks we design and test against on this type of build. They are targets, not a warranty — what your platform actually achieves depends on your data, scale and integration surface, and we agree the numbers that matter with you before work starts.
Why This Matters
Launching a neobank used to take 3+ years and $50M+. With modular BaaS architecture and the right engineering partner, you can launch in 6-9 months.
What You Get
Capabilities
Core Ledger
Event-sourced, double-entry accounting ledger handling multi-currency balances, holds, reversals, and real-time reconciliation.
Card-as-a-Service
Virtual and physical card issuance via Marqeta, Stripe Issuing, or processor-direct APIs with real-time controls and spending limits.
Islamic Banking Module
Sharia-compliant product structures — Murabaha financing, Wakala deposits, and profit-sharing savings accounts instead of interest-based products.
Our Approach
How We Deliver
Regulatory and Provider Mapping
We map licence model, provider dependencies and reporting duties before any architecture is fixed.
Ledger and Integration Core
Build the ledger, reconciliation and provider abstraction layer first, then layer channels on top.
Controlled Pilot Release
Limited cohort launch with monitoring, dispute handling and operational runbooks proven under real load.
Scale and Handover
Performance tuning, documentation and knowledge transfer so your team can operate independently.
Real-World Applications
Use Cases
Technology Stack
Explore More
Related Services
Payment Gateway Development
Custom payment gateway solutions with multi-currency support, fraud detection, and seamless checkout.
- Multi-currency and multi-rail payment processing
- Card acquiring and issuing integration
- Mobile money and wallet integrations (MENA, Africa, Asia)
InsurTech Platform Development
Digital insurance platforms with automated underwriting, claims processing, and policy management.
- Quote engine with dynamic pricing models
- Automated underwriting and risk assessment
- Policy administration and lifecycle management
RegTech & Regulatory Automation
Automated compliance reporting, regulatory change management, and risk monitoring for financial institutions.
- Automated regulatory reporting (CBUAE, SAMA, MAS, FCA)
- Real-time transaction monitoring and alerts
- Regulatory change tracking and impact analysis
Common Questions
Frequently Asked Questions
How do you ensure fintech compliance and security?
Masarrati builds PCI-DSS compliant payment systems, implements KYC/AML workflows, follows banking-grade encryption standards, and designs audit trails. We work with regulatory consultants to ensure full compliance.
Can you build a neobank or digital banking platform?
Yes. Masarrati has built complete digital banking platforms including account management, payments, cards, lending, and compliance modules. We integrate with banking-as-a-service providers and core banking systems.
What payment methods can you integrate?
Credit/debit cards, ACH, wire transfers, crypto payments, mobile wallets (Apple Pay, Google Pay), BNPL, UPI, and regional payment rails. Masarrati integrates with Stripe, Adyen, PayPal, and custom PSPs.
How do you handle high-volume transaction processing?
Through event-driven architecture, message queues, database sharding, optimistic locking, and auto-scaling infrastructure. Masarrati builds payment systems designed for high throughput, with the resilience and failover targets agreed against your own availability requirements.
What is your experience with Islamic fintech?
Masarrati has built Sharia-compliant fintech platforms including profit-sharing models, Murabaha financing, Zakat calculators, and Islamic investment apps — all certified by Sharia advisory boards.
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