Banking Software Development

Software for banks, lenders and fintechs: 16 years building for banks, since 2010. Build custom or launch faster on our own platforms.

Mobile app with back office from $25,000

Talk to a banking expert

Loan applications · today

Approved

In review

Declined

9:41

Balance

€ 12,480

Card

Loan offer

Transfer

Decision in < 1 min

65+
lending and banking automation projects
20+
tier 1 banks and fintechs in the portfolio
6+
years building FICO’s flagship product
2
months from kickoff to first issued loan with ABLE

Clients and Partners

Launch Your Own Neobank

Our own white-label core: onboarding, IBAN accounts, cards, payments and crypto, under your brand.

KYC/AML onboarding out of the box
A new payment provider in about 5 days
SWIFT, SEPA and P2P transfers
Crypto buying, swaps and staking
One admin panel for bank and wallet

PSD3 ready
PCI DSS
ISO 27001
ISO 9001
GDPR

Book a NeoBankX demo

Powers My Neobank

Canada / EU

NeoBankX mobile app: the accounts balance screen and a virtual card's settings

Ready-to-Go Core Banking Modules

Built for a banking-as-a-service setup: pick the modules you need and launch on our core instead of building from zero.

Core banking
Ready to go
Accounts, ledger, IBANs, limits and fees, with a full audit trail and reporting.
See module
BNPL & embedded lending
Ready to go
Instant decisions at checkout, instalment plans and repayments for merchants.
See module
Loan management
Ready to go
Origination to collection for retail and SME loans, connected to your core.
See module
Credit scoring
Ready to go
Scoring models and business rules that return a decision in under a minute.
See module
Risk management
Ready to go
Limits, exposure monitoring and early-warning rules across the portfolio.
See module
Custodial wallet
Ready to go
Secure custody for digital assets, with roles, approvals and cold storage.
See module

Get the full module list

We combine modules with your existing core or run them as a full BaaS stack.

Banking Software We Build

Custom systems for every part of the bank, from customer apps to back-office decisioning.

Digital banking & neobanks
Mobile-first banking apps with onboarding, accounts, cards and payments, fiat and crypto.
Lending & loan origination
Application to disbursement: origination, servicing and collection for retail and SME loans.
Credit scoring & decisioning
Business rules engines, scoring models and decision orchestration for faster, safer credit.
Regulatory & credit bureau integrations
Data correction, reconciliation and A2A integrations that meet regulator requirements.
KYC, AML & onboarding
Identity verification, document checks and compliance logic with full audit trails.
Wealth & advisory platforms
Retirement planning, portfolio logic and advisor-ready reporting with AI review.

BNPL & embedded lending

New

Buy now, pay later for banks, lenders and merchants: instant decisions at checkout, instalment plans and repayments, connected to your core and scoring.

Book a BNPL demo

Order Total

€ 1,200

Today€ 300
Month 1€ 300
Month 2€ 300
Month 3€ 300

Approved in 4 s

Pick the Engagement Model that Fits Your Bank

01
Custom development
We take the whole delivery: discovery, design, development, QA and launch.
e.g. Sentinel, My Neobank
02
Dedicated teams
We hire engineers with banking experience and add them to your team.
e.g. Danske Bank, FICO
03
Product-based delivery
Start from NeoBankX, ABLE or ProcessMIX and customize.
e.g. ABLE, ProcessMIX clients
04
Discovery phase
Requirements, prototypes and a phased roadmap in weeks.
e.g. US payment ISO

Projects start from $25,000 for a mobile or web app with back office. The final estimate depends on scope: share your requirements and we'll send a launch estimate.

Get a launch estimate

Your Own R&D Team in Europe

We hire engineers with fintech experience, set up the office and processes, and run the team as part of your company.

Java
.NET
Core banking stack

Set up my team

01
Hire
We recruit Java, .NET and blockchain engineers who have already worked on fintech products.
02
Set up
Office, equipment, contracts and payroll in Europe are on us.
03
Run
Delivery processes, security and reporting work from day one.
04
Grow
Scale the team up or down as your roadmap changes.

Modernize without Stopping the Bank

Your current core keeps running. We add new pieces around it, then replace the old ones step by step.

01Connect
We put an API layer on top of the core you run. Nothing is switched off.
Core stays live
02Launch
New app, web and partner channels go live on top of the API.
Customers get new features
03Replace
We move modules off the legacy core one by one, when you are ready.
No big-bang migration

Legacy- what you run today
New- what we add

Plan a modernization call

Banking Projects We Delivered

Seeking 4IRE companies to enhance the region:

Location

FICO: 6+ Years of Financial Product Development

USA

Banking Software

FICO partnered with 4IRE for over six years to strengthen internal product development and ship solutions for banks worldwide. The team worked on FICO DMP, the company's flagship product, and completed 7 projects for large banking clients across web, mobile and integration work.

Learn More

Danske Bank: Dedicated Teams for a Nordic Banking Leader

Denmark

Banking Software

4IRE provided dedicated development teams to Danske Bank's Lithuanian office and delivered 5 projects together. Deep experience with core banking software and FICO Blaze Advisor let the teams contribute from day one on a stack the bank relies on heavily.

Learn More

My Neobank: Fiat and Crypto in One App

Canada / EU

Banking SoftwareBlockchain

Built on 4IRE's own NeobankX platform, My Neobank brings fiat and crypto into one app — a modular, compliant foundation fintech startups and small businesses can launch and scale on.

Learn More

Sentinel: Retirement Planning & Reporting Platform

USA

Banking Software

An internal retirement planning and report-generation platform for a US asset manager. 4IRE streamlined complex financial planning workflows into a single interface and automated the reporting advisors previously assembled by hand.

Learn More

Al Etihad Credit Bureau: Data Correction Tool

UAE

Banking Software

An API-based Data Correction Tool built for the bureau itself. It supports A2A communication and every CDS, RPT, IDS and BCS submission type, integrates with core banking, CRM and DWH systems, and gives dashboards for corrections, complaints and bulk remediation. The same tool is deployed at United Arab Bank, Invest Bank, Commercial Bank of Dubai, Mashreq, Al Maryah Community Bank and Aafaq Islamic Finance.

Learn More

BASIS Bank: ABLE Loan Origination for Retail and SME

Georgia

Banking Software

Bulk application upload for automated BRMS analysis plus an API that ties loan origination into the bank omnichannel — internet and mobile banking — so the customer journey stays unified. Sales and client numbers both grew.

Learn More

Talk to a banking expert

Why Banks Work with 4IRE

ISO 27001
Security first
PCI DSS, KYC, AML and audit trails built into every system.
50+ Banks
Trusted by large banks
FICO, Danske Bank, FAB and BASIS Bank among them.
16 Years
Banking experience
Our engineers came from FICO, IBM and Mastercard.
EU-Based
Teams in Europe
Dedicated engineers in your time zone, hired and set up by us.
MiCA-ready infrastructure
Launching in the EU? The platform is built for MiCA requirements, and our compliance partner helps with licensing.

Lending and Decision Platforms We Implement

Proven platforms we customise for banks and lenders when it is faster than building.

ABLE
Lending platform
Loan origination and management for banks and microfinance institutions, from application to collection.
- 2 months to first loan
- 1+ application per second
Explore ABLE
ProcessMIX
Low-code decision engine
Backend low-code and BRMS for credit scoring, KYC, AML and risk workflows, legacy-friendly.
- 3x faster time to market
- Works with legacy cores
Explore ProcessMIX