The digital banking software market is expanding quickly. According to Grand View Research, it’s expected to reach USD 33 billion by 2030, driven by financial institutions modernising legacy systems and fintechs launching digital-first banks. With so many technology partners available, it’s vital to understand who the leading providers are and what they offer.
Methodology
This ranking reflects the subjective opinion of industry experts, based on publicly available information from open sources. It is not an exhaustive list of all providers but highlights 10 companies that are widely recognised in the market for their digital banking solutions in 2025.
- SDK.finance
- Country:Lithuania
- Year of foundation:2013
- Deployment model:SaaS and source code licence
SDK.finance delivers a digital banking software designed for banks, fintechs, EMIs, PSPs, and enterprises. It comes with 60+ modules and 470+ APIs, plus pre-built mobile and web interfaces for internal teams and end customers. Multi-language support includes English, Arabic, Spanish, and French.
The platform is certified under PCI DSS Level 1 and ISO 27001:2022, offering strong compliance and data security. Use cases include neobank launches, digital wallets, merchant acquiring, payroll solutions, and crypto-to-fiat services.
Top modules include (onboarding & KYC, accounts and multi-currency wallets, transfers and payments, card issuing, merchant services, transactions and ledger, AML/anti-fraud tools, currency exchange, accounting & finance, back-office UI).
SDK.finance has gained global recognition and is a regular finalist of prestigious industry awards such as the PayTech Awards and the Banking Tech Awards, underlining its strong position among digital banking solution providers.
- Temenos
- Country:Switzerland
- Year of foundation:1993
- Deployment model:SaaS and on-premises
Temenos is one of the longest-established core banking technology providers, serving more than 3,000 financial institutions in over 150 countries. Its flagship products are Temenos Transact (core banking) and Temenos Infinity (digital banking front-end).
Temenos offers a wide range of modules covering retail, corporate, wealth management, and Islamic banking. It supports advanced features like digital onboarding, payments, lending, treasury, and risk management. The platform is highly configurable and suited for large banks looking for global coverage and regulatory adaptability.
- Mambu
- Country:Germany
- Year of foundation:2011
- Deployment model:SaaS (cloud-native only)
Mambu is a composable core banking platform built on a cloud-native architecture. It’s API-driven, allowing financial institutions to assemble products from building blocks rather than relying on monolithic systems.
It is widely used by neobanks, fintechs, and microfinance institutions, especially those prioritising rapid time-to-market. The platform supports deposits, lending, payments, and product customisation through its ecosystem of integrated third-party providers.
- Finastra
- Country:United Kingdom
- Year of foundation:2017 (merger of Misys and D+H)
- Deployment model:SaaS and on-premises
Finastra is one of the world’s largest financial software providers, with solutions spanning retail banking, corporate banking, lending, payments, and treasury. Its Fusion Digital Banking platform is used by banks globally for online and mobile banking services.
The company also invests heavily in open banking and provides API connectivity through its FusionFabric.cloud marketplace. Finastra’s scale and wide coverage make it a preferred choice for banks seeking multi-segment digital transformation.
- FIS (Fidelity National Information Services)
- Country:United States
- Year of foundation:1968
- Deployment model:SaaS, managed services, and on-premises
FIS provides core banking, payments, and merchant services to some of the largest banks in the world. Its Digital One platform covers retail and business digital banking, while its core banking solutions are designed for high-volume transaction processing.
With decades of experience, FIS supports large-scale deployments across global banks. Its solutions integrate digital banking with card processing, fraud management, and compliance systems, making it a strong fit for institutions seeking enterprise-grade performance.
- Fiserv
- Country:United States
- Year of foundation:1984
- Deployment model:SaaS and on-premises
Fiserv offers a broad portfolio of financial technology solutions, including DNA core banking system and Architect digital banking platform. It has a strong presence in North America but also serves banks worldwide.
Its platforms cover deposits, lending, payments, card issuing, and mobile banking. Fiserv is also known for its merchant acquiring services (through Clover) and integration with payment networks, which allows banks to offer seamless omnichannel experiences.
- Backbase
- Country:Netherlands
- Year of foundation:2003
- Deployment model:SaaS and on-premises
Backbase specialises in digital engagement platforms for banking. Rather than focusing on the core, Backbase delivers the front-end layer: mobile apps, online banking portals, and client experience tools.
Its modules include onboarding, account management, customer journeys, and marketing automation, all designed to improve user engagement. Banks typically use Backbase in combination with an existing core banking system.
- Thought Machine
- Country:United Kingdom
- Year of foundation:2014
- Deployment model:SaaS and cloud-native deployments
Thought Machine provides Vault, a modern cloud-native core banking system. Built on smart contract technology, it allows banks to create custom financial products with flexible logic.
The platform has attracted high-profile clients such as Lloyds Banking Group and Standard Chartered. Thought Machine positions itself as a replacement for legacy cores, providing scalability, resilience, and high configurability for tier-1 banks.
- nCino
- Country:United States
- Year of foundation:2012
- Deployment model:SaaS (Salesforce-based)
nCino is focused on cloud banking for commercial and SME banking. Its platform helps banks digitise lending processes, customer onboarding, and relationship management.
Because it’s built on Salesforce, nCino integrates CRM features with banking workflows, making it especially useful for institutions aiming to improve efficiency in credit and lending operations.
- Oracle Financial Services (FLEXCUBE)
- Country:United States (Oracle HQ)
- Year of foundation:FLEXCUBE launched in 1997
- Deployment model:SaaS and on-premises
Oracle’s FLEXCUBE is a well-established core banking platform used by hundreds of banks worldwide. It covers retail, corporate, investment, and treasury banking.
The system supports multi-country rollouts, multi-currency operations, and compliance with diverse regulatory requirements. Banks often adopt FLEXCUBE when they need stability, scalability, and integration with Oracle’s broader enterprise ecosystem.
Comparison Table: Top 10 Digital Banking Solution Providers in 2025
|
Provider |
Country |
Year of foundation |
Deployment model |
Focus / Highlights |
|
SDK.finance |
Lithuania |
2013 |
SaaS and source code licence |
White-label platform with 60+ modules, PCI DSS & ISO certified, pre-built multi-language mobile & web interfaces |
|
Temenos |
Switzerland |
1993 |
SaaS and on-premises |
Transact (core) & Infinity (front-end), 3,000+ clients worldwide |
|
Mambu |
Germany |
2011 |
SaaS (cloud-native only) |
Composable, API-first banking engine, fast deployments for neobanks and fintechs |
|
Finastra |
UK |
2017 (via merger) |
SaaS and on-premises |
Fusion Digital Banking, wide coverage across retail, corporate, lending, and treasury |
|
FIS |
USA |
1968 |
SaaS, managed services, on-premises |
Core banking + payments at global scale, serving largest financial institutions |
|
Fiserv |
USA |
1984 |
SaaS and on-premises |
DNA core banking, Architect digital banking, strong in North America |
|
Backbase |
Netherlands |
2003 |
SaaS and on-premises |
Digital engagement layer, customer experience and onboarding solutions |
|
Thought Machine |
UK |
2014 |
SaaS and cloud-native |
Vault core banking built on smart contracts, used by tier-1 banks |
|
nCino |
USA |
2012 |
SaaS (Salesforce-based) |
Cloud platform for SME and commercial banking, strong in lending |
|
Oracle FLEXCUBE |
USA |
1997 (launch) |
SaaS and on-premises |
Mature core banking system, global deployments with multi-country compliance |
The digital banking solutions market in 2025 reflects both established global providers like Temenos, Oracle, FIS, and Finastra, and younger cloud-native challengers such as Mambu and Thought Machine.
For institutions that need flexibility between rapid SaaS deployment and long-term ownership, SDK.finance offers a unique proposition: pre-built multi-language interfaces, PCI DSS and ISO certification, and a choice between SaaS and source code licence models. Its recognition as a finalist at the PayTech Awards and Banking Tech Awards highlights its strong position among global providers.
With these options available, financial institutions of all sizes can find a platform that matches their strategic vision and operational requirements.
