Can you build a core banking system?
We can build ledger and account engines, and we have done so in other financial contexts, but for a bank we will usually advise against it. A core is a decade long commitment covering products, interest, fees, regulatory reporting, and migration of existing accounts. Buying or licensing a core and investing your effort in the experience and operations layer is almost always the better allocation. If you genuinely need a custom ledger, we will scope it honestly rather than understate it.
Is AgileTech a licensed bank or payment institution?
No. We are a software engineering company. We hold ISO 9001:2015 and ISO 27001:2013 certifications and no financial services licence of any kind. We do not hold customer funds and we are not party to your regulatory permissions. Licensing and supervision are yours, and we build to the requirements your licence imposes.
How long does a digital banking platform take?
A focused product set of onboarding, accounts, transfers, and a card over an existing core is typically several months to a first cohort launch, with the operations console and reporting being the parts most often underestimated. A broad proposition across multiple products and markets is a multi year programme delivered in stages. We give a range only after testing your core integration, since that determines much of the effort.
What does the core banking integration usually constrain?
Data freshness above all. Many cores expose balances through batch processes or interfaces with meaningful latency, which decides whether you can show a true real time balance or must display a clearly labelled recent one. Throughput limits, maintenance windows, and the absence of certain operations in the API are the other frequent constraints. We measure all of these before design rather than assuming them.
How do you handle strong customer authentication?
Authentication is risk based rather than uniform. Low risk actions proceed with an established session and device binding, while payments to new beneficiaries, limit changes, credential resets, and device additions require step up. Credentials are held in the platform secure element or keystore, never in application storage, and every security relevant change notifies the customer through a channel the change itself did not alter.
Can our operations team work without developer help?
That is the purpose of the operations console, and it is why we build it alongside the customer facing product rather than afterwards. Customer search, document review, case handling, transaction investigation, limit overrides, and dispute steps are all staff operable with permissions and audit. When an operations team needs a developer for routine exceptions, the platform is incomplete.
How is the audit trail different from logging?
Logs are for engineers diagnosing systems and are typically retained for weeks. An audit trail is a retained, queryable business record of who did what to which customer record and when, including staff actions and approvals, kept for the period your obligations require. It has to answer a specific question about a specific customer years later, which log aggregation is not built to do.
Do you work with banking as a service providers?
Yes, and it is a common arrangement. The critical work is the responsibility boundary: which system is authoritative for balances, how you reconcile against the provider daily, what happens during a provider incident, and what evidence you hold independently of them. Programmes on these providers rarely fail on the integration itself; they fail on reconciliation and on unclear responsibility.
How do you approach migrating existing customers?
Carefully and in stages, never as a single event. Migration is planned as its own workstream with rehearsals against production shaped data, reconciliation at every stage, a defined rollback position, and cohort by cohort movement with both systems reconciled during the overlap. We also plan the customer communication, since a migration that is technically clean can still fail if people are surprised by it.
What about regulatory reporting?
We build extracts and reports from the same authoritative records that customers and staff see, so internal and regulatory numbers cannot disagree. The definitions and the submission obligations are yours, since they depend on your licence and jurisdiction. We ask your compliance function to specify requirements early, because reporting needs frequently affect the data model and are expensive to add later.
What do you need from us to start?
Your licence position and regulatory obligations, your core banking or provider arrangement with access to its documentation and a sandbox, the product set and markets you intend to serve, expected customer and transaction volumes, and your internal control and release requirements. Access to the core sandbox early is the single most useful thing you can provide, because it removes the largest unknown.
