Digital Banking Platform

With more and more pressure from regulation, fintech competition, price war, commoditization, and new types of customers and usage, banks have to reinvent themselves and face their digital transformation challenge.

Our flexible and modular WL Digital Banking Platform provides the back-end that supports fast channel development. As a service layer, composed of a collection of business enablers, the digital platform enables simple data coming from the bank information system or third-party to be processed, valued, and properly displayed on the mobile or web applications.

Enablers are activated and deployed independently to offer all the user experience needed for your customers. It allows launching and experimenting new services through off-the-shelves enablers proposed by equensWorldline, or specific enablers especially developed for a particular customer requirement.

The digital banking platform is composed of four types of components:

• Business enablers: a business service layer, that processes data coming from the bank information system or third-party data providers, and provide added value services to customers. Some advanced and specific enablers complete the starter collection to offer more innovative and differentiating services
• Bank API's: a set of documented and open REST API used from the mobile or web application that allows interaction with the different enablers. Designed to support the PSD2 standard APIs (Berlin Group, Open Banking, Stet ,…) for banks
• Connectors: a set of documented technical interfaces that aims to exchange bulk data from a third information system to feed the enablers. Standard connectors require the bank to implement corresponding web services, but specific connectors can be developed to reuse the existing interface on the bank information system
• Platform management modules: a set of native modules coming with the platform to ease management of your digital channels: scalability, security, API versioning, statistics, CMS, smart push, and load balancing management.

• Renew the customer experience with new value-added services, and create a unique customer experience whatever the digital channel is
• Define the best digital holistic approach between web, apps, and branches
• Mutualize the digital channel development costs
• Leverage the core banking capabilities and provide innovating and optional services at the digital momentum
• Capture the PSD2 opportunities and be PSD2-compliant on time