Banks & Fintechs · South Asia
Launching a Digital Bank Proposition on Modular Infrastructure
A traditional institution needed a digital-first account and payments proposition without replacing its existing core banking platform.
Regional financial institution (anonymized)
- To First Release
- 2 Quarters
- Availability
- 99.99%
- Connected Rails
- 3
To First Release
Availability
Connected Rails
Challenge
What needed solving
Product changes depended on core banking release cycles, which made experimentation expensive and slow.
Customer onboarding, card issuing and payments were operated by different vendors with no shared transaction view.
Compliance reporting required data to be assembled manually across several systems each month.
Approach
How we sequenced it
Run the digital proposition on jStack alongside the existing core, with the ledger acting as the record for the new product line.
Expose a single API surface to the mobile application so front-end teams could ship independently of vendor timelines.
Standardise onboarding, issuing and payment events into one transaction stream for compliance and analytics.
Solution
What was deployed
Account & Wallet Layer
Digital accounts with balances, holds and limits on a shared ledger, operating in parallel with the existing core banking system.
Card Issuing
Virtual and physical issuing with programmable spend controls applied before authorization.
Payment Orchestration
Domestic transfers and merchant payments routed across multiple rails behind one integration.
Outcome
What changed
- Product teams released changes to the digital proposition independently of core banking cycles.
- A single transaction stream reduced the manual work behind periodic compliance reporting.
- Card controls and account limits became configurable by the product team rather than by vendor request.