Version française Customers expect digital-first banking, but legacy infrastructure makes it nearly impossible to deliver.
Banks and credit institutions face a dual challenge: modernizing customer-facing digital experiences to compete with neobanks and fintechs, while maintaining the security, reliability, and regulatory compliance that their charter demands. Core banking systems are often decades old, making it expensive and risky to introduce new products or integrate modern APIs. Kiloctet builds the digital layers — mobile apps, customer portals, open banking integrations, and back-office automation tools — that let banks move faster without replacing the stable infrastructure they depend on.
Technologies & platforms we use
A secure, feature-rich digital banking application covering account management, fund transfers, bill payments, transaction history, and document uploads for both retail and business customers. The platform is built with multi-factor authentication, end-to-end encryption, and session security best practices to meet the security expectations of regulators and customers. Configurable product templates make it straightforward to add new account types or loan products without a full redevelopment cycle.
Automates the full lifecycle of retail and business loan applications — from customer-facing application forms and document collection through credit assessment, underwriting decisioning, approval workflow, and disbursement. Integration with credit bureaus, identity verification services, and core banking systems eliminates manual data entry and accelerates processing times from days to hours. Built-in audit trails and configurable decisioning rules support regulatory compliance and fair lending requirements.
A digital onboarding journey that guides new customers through identity verification, document submission, risk assessment, and account opening without requiring a branch visit. Integration with government ID verification APIs, biometric checks, and sanctions screening lists ensures compliance with AML and KYC regulatory requirements. Automated risk scoring assigns customers to appropriate due diligence tiers, streamlining the compliance review process.
A standards-compliant API layer (PSD2, Open Banking UK) that exposes account data and payment initiation capabilities to authorized third-party providers while enforcing strong customer authentication and consent management. The gateway logs all API calls for regulatory audit purposes and enforces rate limiting and security controls to protect core systems from exposure. Banks can use the same infrastructure to build their own BaaS (Banking as a Service) propositions.
A set of workflow automation tools that replace manual paper-based processes in areas such as account maintenance, complaint handling, payment exceptions, and regulatory reporting. RPA-style automation handles repetitive data extraction and entry tasks between legacy systems, while case management tools give operations staff a structured interface for handling complex customer requests. Reduction in manual processing time typically reaches 40–60% for targeted workflows.
Mobile and web app for retail and business customers to manage accounts, transfers, payments, and documents.
End-to-end platform automating loan application intake, credit assessment, decisioning, and disbursement.
Automates customer identity verification, risk scoring, and sanctions screening during onboarding and ongoing monitoring.
Standards-compliant API layer exposing account and payment data to authorized third-party providers.
Middleware layer connecting modern digital channels to legacy core banking systems without full core replacement.
Business banking portal for corporate clients to manage liquidity, payments, and financial positions.
Automates generation and submission of required regulatory reports including Basel, FINREP, and AML reports.
Case management tool for bank operations teams handling customer complaints, requests, and disputes.
Banks can deliver modern mobile apps, instant account opening, and real-time payment notifications by building a digital layer on top of their existing core banking infrastructure rather than undertaking a high-risk core replacement program. Middleware and API integration patterns allow new digital features to be launched in months rather than years. This approach lets banks compete on customer experience with neobanks while maintaining the stability and compliance record of their proven core systems.
Automated loan origination systems dramatically reduce the time from application to decision, which directly improves conversion rates as fewer applicants abandon the process due to delays. Integrations with credit bureaus and income verification APIs enable near-instant decisioning for standardized loan products. Banks that have automated origination typically see a 50–70% reduction in processing time and a measurable improvement in customer satisfaction scores for lending journeys.
Digital onboarding with automated KYC, AML screening, and comprehensive audit trails significantly reduces the manual compliance burden while improving the quality and completeness of compliance documentation. Real-time monitoring rules flag suspicious transactions automatically, reducing the risk of regulatory findings. When auditors request evidence, reports are generated from system logs in minutes rather than assembled from paper files over days.
Banking operations are heavily labor-intensive, with large teams processing routine requests, handling exceptions, and preparing reports. Automating these workflows with intelligent routing and RPA-style tools typically reduces the labor cost of targeted processes by 40–60% while improving accuracy and turnaround times. Staff freed from routine processing can be redirected to relationship management and complex customer service tasks.
Building a compliant open banking API gateway positions the bank to participate in the growing ecosystem of third-party financial services and Banking as a Service propositions. Embedded finance partnerships, where your accounts and payment rails are offered as infrastructure to non-bank businesses, create fee income streams that don't require growing the retail deposit base. This is particularly valuable for smaller banks and credit institutions looking for growth beyond their geographic or demographic footprint.
Traditional banks serving individual customers and SMEs through branch, digital, and phone channels.
Member-owned financial institutions needing modern digital services on lean technology budgets.
Sharia-compliant financial institutions requiring product structures and workflows adapted to Islamic finance principles.
Public or multilateral development banks managing lending programs for infrastructure and economic development.
High-net-worth-focused institutions needing sophisticated client portals and portfolio reporting tools.
Digital-first banks building their core product stack and customer acquisition infrastructure from the ground up.
SaaS companies building banking products who need a development partner for platform construction or integration.
Public institutions requiring data collection, supervision, and regulatory reporting infrastructure.
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