Digital Banking Solutions
Enterprise digital banking solutions for digital onboarding, account opening, and mobile banking, built on a modern, API-first core. Engineered for the security, compliance, and scale that regulated financial institutions require across the globe.
ISO 27001 · CMMI Level 3
- About CARITech
Co-Building the Future of Banking
CARITech is a global banking digital transformation provider specializing in core banking modernization. Our digital banking solutions enable regulatory compliance, operational efficiency, and seamless digital experiences for banks and financial institutions internationally. We combine global technology expertise with deep local market knowledge to deliver solutions built for the realities of each market.
We don't just implement. We co-build with you.
50
Successful transformations
Banks and financial institutions fully transformed on the CARITech solution.
12+
Active support contracts
Long-term partnerships that ensure continuous performance, regulatory compliance, and evolution.
20+
Years of digital banking experience
Extensive experience delivering digital banking solutions, with deep expertise in digital transformation, banking operations, and the regulatory requirements shaping modern financial services.
- Digital onboarding
From Identity Verification to a Funded Account
Digital onboarding transforms prospects into verified, funded, and card-enabled customers without a branch visit. Every step is designed for regulatory compliance, auditability, and speed.
Verifies customer’s digitalidentity verification through document authentication and biometric checks, including advanced liveness detection.
Captures and digitizes customer information and supporting documents across every onboarding touchpoint
Performs real-time eKYC verification and AML checks across Watchlist Screening, Adverse Media Screening, International Leaks Database, Sanctions Screening, PEP Screening, Anti-Bribery and Corruption, and FATCA.
Enables customers to select and configure banking products through a guided digital journey designed for usability and conversion.
Creates and activates customer accounts through secure integration with core banking systems.
Issues physical and virtual cards immediately or on a scheduled basis.
- Mobile banking
Mobile Banking Your Customers Rely On
Deliver a powerful, secure, and intuitive mobile banking experience with instant transfers, bill payments, real-time account visibility, and more. A core part of CARITech’s digital banking solutions.
Transfers
- Transfer funds between your own accounts.
- Transfer money to other bank customers.
Bill Payments
- Pay bills across multiple service categories.
Account Overview
- View all accounts and their balances.
- View account details and transaction history.
Total Balance
- View the combined balance across all accounts.
- Show or hide your balance for added privacy.
Transaction Management
- View detailed information for individual transactions.
- Raise a dispute directly from your transaction history.
- Search by date, amount, amount range, and description.
- Mobile banking
Mobile Banking Your Customers Rely On
Deliver a powerful, secure, and intuitive mobile banking experience with instant transfers, bill payments, real-time account visibility, and more. A core part of CARITech’s digital banking solutions.
Transfers
- Transfer funds between your own accounts.
- Transfer money to other bank customers.
Bill Payments
- Pay bills across multiple service categories.
Account Overview
- View all accounts and their balances.
- View account details and transaction history.
Total Balance
- View the combined balance across all accounts.
- Show or hide your balance for added privacy.
Transaction Management
- View detailed information for individual transactions.
- Raise a dispute directly from your transaction history.
- Search by date, amount, amount range, and description.
- Architecture built for your technology team
Digital banking solutions that sit on your core, not around it
CARITech’s API-first, core-agnostic architecture integrates with existing core banking systems, enabling banks to deploy only the modular solutions they need. Its vendor-agnostic and database-agnostic design provides flexibility while supporting security, compliance, and data residency requirements.
CARITech digital banking layer
Security and compliance span every layer: end-to-end encryption, MFA, real-time fraud detection, and full regulatory audit trails.
Core-agnostic integration
Connect digital banking solutions to your existing core through standardized APIs. Launch new digital experiences without replacing the systems that run your bank.
Flexible deployment
Run in public, private, or sovereign clouds to meet local data residency and regulatory requirements in each market.
Bank-grade security
Layered security controls protect access and customer data through device intelligence, device binding, PII protection, MFA, fraud detection, and auditability.
Elastic scale
A single solution that scales from 10,000 to 10 million customers, allowing capacity to grow with your strategy rather than infrastructure limitations.
- Other digital capabilities and features
Extend your digital banking, module by module
Deploy only what you need today and expand as strategy matures. Every capability runs on the same shared backbone, so your digital banking solutions grow without new integration debt.
Digital Sales & Product Origination
Launch cards, loans, deposits, and BNPL products digitally, turning your app into revenue-generating banking channels.
Customer 360° Unified Profile
Combine onboarding, transactions, behavior, and interactions into one real-time profile for smarter decisions and personalized experiences.
White-Label & Brand Customization
Create a fully customizable UI and UX around your bank’s brand, with a strong focus on digital banking usability.
Digital Identity & Reusable KYC
Onboard customers once and reuse verified credentials across eligible products, reducing friction across future digital journeys.
Business Process Management
Configure and automate banking workflows to streamline approvals, compliance checks, document verification, and exception handling.
AI Voice Assistant
Enable multilingual conversational banking with AI-powered voice commands for supported banking services.
Multi-Channel Notifications
Deliver email, WhatsApp, mobile push, in-app messages, and alerts through flexible, vendor-agnostic integrations.
- Why CARITech
Why banks and financial institutions choose CARITech for digital banking
Faster time to market
Launch new digital products in weeks, not months, with pre-built, configurable journeys that accelerate digital growth.
Modular and scalable
Deploy the capabilities you need today and scale from 10,000 to 10 million customers as you grow.
Deep Banking Experience
Leverage digital banking technology with proven banking implementation and integration expertise.
Strong Usability & UI/UX
Build intuitive digital banking journeys around customer behavior, usability, security, and banking requirements.
Bank-Grade Security
Protect digital interactions with device intelligence, binding, PII protection, MFA, fraud detection, and audit trails.
Vendor & Database Agnostic
Integrate with preferred vendors, providers, databases, and your existing core banking environment.
Proven ROI, up to 300%
Institutions report significant reductions in cost to serve, higher cross-sell rates, and measurable improvements in NPS.
True co-building partnership
CARITech supports your team from implementation through go-live and beyond, enabling continuous evolution.
Start co-building
Let's co-build your digital-first bank.
Tell us where you are on your journey. We’ll map your onboarding and mobile banking to your core and show you what a first release looks like.
- A review of your current onboarding and channels
- A modular plan that fits your existing core
- An implementation approach aligned with your banking requirements
- A first release scoped in weeks, not months
Co-build with us
Share a few details, and our banking team will reach out within one business day.
- Enterprise digital banking solutions
- ISO 27001
- CMMI Level 3