You don’t need to replace your core to launch a digital bank. You need a team that builds around it, migrates it in safe waves, and ships in months. That’s the team Relevant Software has been for banks, lenders, and fintechs since 2013.
Your core holds years of balances, customer records, and product logic, and any outage hits customers and regulators at the same time. That’s why we move applications, data, and infrastructure in controlled waves, with parallel runs and a rollback plan at every step.
For us, custom means your product logic, customer journeys, and roadmap belong to you, not to a vendor’s release cycle. You own the code, the data, and the decisions about what to build next.
We connect digital banking platforms to everything around them: core systems, card issuers and processors, KYC and AML providers, open banking APIs, SEPA and instant payment rails, CRM, ERP, and regulatory reporting tools.
Our senior engineers control the process and own every line of code that reaches production. AI handles the routine: boilerplate, test generation, legacy code analysis, and documentation. You get faster releases with fewer defects, and nothing ships without a human review.
Remote identity verification, document checks, and risk scoring that let customers open an account in minutes, with AI handling the routine reviews.
Current and savings accounts, card issuing, digital wallets, and domestic and cross-border payments in one customer app.
Loan origination, automated credit scoring, and disbursement workflows that take an application from submission to payout.
PSD2-compliant APIs for account access, payment initiation, and partner integrations, documented and secured for third parties.
Real-time payment screening, risk alerts, and case management that give your AML team one place to investigate.
Automated regulatory reports, full audit trails, and AI agents that collect the evidence before every audit.
Portfolios, robo-advice, and investment products built into the banking app your customers already use.
Configurable fee schedules, subscription plans, and interest calculation for every product you offer.
Dashboards and self-service reports that give product, risk, and finance teams the same live numbers.
A 30-year-old incumbent and a newly licensed neobank need different first steps, so every stage below adapts to your starting point.
We audit your core, data, contracts, and regulatory perimeter.
You get one of three: build a digital layer on top of the existing core, migrate in waves, or launch on BaaS with a planned move to your own core later.
Architecture, data flows, and controls are agreed with your compliance team before anyone writes code.
One product or customer segment goes live first. Depending on the path, that’s an MVP, a new channel, or the first migrated product.
Parallel runs, automated balance reconciliation, and a rollback plan for each wave.
You get documentation, knowledge transfer, and full code ownership. We stay as long as you need us.
13 years building custom software, and over 10 of them in fintech.
Behind these numbers are banks, lenders, and fintech startups that trusted us with their products and came back with new ones.
Your platform is designed and built by people who have done it before.
The team that starts your project is the team that finishes it.
ISO 27001 certified and GDPR compliant. We build to PCI DSS and PSD2 requirements.
99% of projects delivered on time and on budget. You see a demo every week and have repository access from day one.
We review your core, integrations, and roadmap, and show you the safest way to get where you want to be.
Usually not, at least not at the start. Whether you need a new core depends on where your current one blocks you:
We’ve done the last scenario for a licensed lender. We replaced its legacy platform with a custom one: loan processing dropped from 30 seconds to 3, the client stopped paying $100,000 a year in licenses, and maintenance became 4x cheaper. Every project starts with an audit that tells you which scenario fits your bank, before you spend anything on development.
You do, from the first commit. That covers source code, infrastructure-as-code, architecture documentation, designs, and any configurations or models built for your project.
In practice, ownership works like this:
When the project ends, or if you decide to bring development in-house, we hand over the documentation and run knowledge-transfer sessions with your engineers. Over 13 years and 246 projects, we’ve seen that clients who aren’t locked in are the ones who keep working with us.
We use AI for work that’s routine and easy to check: boilerplate code, unit and regression tests, analysis and documentation of legacy code, and first drafts of technical specs. Architecture, security-critical logic, and anything that touches money stay with senior engineers.
The controls around it:
All of this runs inside our ISO 27001 security processes. AI makes us faster without lowering the bar. For example, we delivered a secure financial platform for Poncho in 4 months while meeting military-grade security requirements.
It depends on three things: your license, your timeline, and how far you plan to scale.
The third option is where most of the planning happens. With FirstHomeCoach, we designed the MVP for growth and delivered it in 3 months. The same architecture later scaled to 280,000+ users and four white-label B2B products without a rebuild.
By never moving everything at once. Each migration follows the same pattern:
For your customers, cards and accounts keep working as usual. We applied the same discipline to live banking data when we built an AI platform for a European bank that serves millions of customers: its data pipelines process millions of records a day under GDPR and PSD2.
Fintech
Fintech
Fintech
