All case studies
Pennyworth

Digital bank build

Serverless, microservices-based digital banking with native apps and intelligent decision engines for a UK challenger bank.

FintechUnited Kingdom2020 — Active
Overview

A UK-based financial start-up set out to disrupt the market by launching a digital bank alongside a financial planning app.

Technology used

AWS serverlessMicroservicesNative iOSNative Android
The challenge

What stood in the way

Cost against compliance

The primary obstacle involved balancing cost-effectiveness while adhering to high standards of security, scalability, and reliability.

An intelligent decision engine

The team needed to develop an intelligent decision engine with multiple modules to drive customer financial planning.

The solution

What we built

01

Collaborative conceptualisation

Initial user journeys were conceptualised and developed collaboratively with the client.

02

Intelligent decision engine

Six modules were built: Net Income & Segmentation, I&E, Net Wealth, Goals Recommendation, Financial Projections & Financial Planning, and Next Best Action.

03

Serverless microservices

A serverless microservices design leveraging native AWS services, chosen for cost-effectiveness and scalability.

04

End-to-end delivery

Full backend and frontend development, including native mobile applications for iOS and Android.

The outcome

What changed

Scalable and cost-effective

A scalable, reliable, and cost-effective application built on a serverless microservices design.

Security and compliance

A robust IT and cloud security framework maintaining compliance with industry standards.

Delivered and continuing

Phase 1 delivered successfully, with Phase 2 development underway.

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