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About this blog

Digital banking platforms are financial services that are provided solely online, unlike traditional banking, that has both online and offline components. Digital finance relies on process automation and web-based services to offer a wide range of banking products and services across multiple channels. Some of the benefits of digital payment solutions are convenience, cost-efficiency, personalization, and innovation. In this blog post, we will review 10 of the most popular digital banking platforms in 2024 based on their features, functionalities, and customer reviews.

 

nCino Bank Operating System

nCino Bank Operating System is a cloud-based solution that allows financial institutions to onboard new clients efficiently by integrating essential activities like Know-Your-Customer (KYC), loan origination, and regulatory compliance into a single platform. As one of the leading digital banking platforms, it streamlines these processes for a seamless client experience.

The platform also provides financial institutions with a centralized view of risk and performance information across their portfolio, helping them to drive strategic decision-making and enhance operational efficiency by connecting stress testing, expected losses, asset/liability modeling, and more.

Finacle Digital Engagement Suite

Finacle Digital Engagement Suite is a cutting-edge omnichannel solution designed to help banks onboard, sell, service, and engage with retail, small business, and corporate customers. As one of the leading digital banking platforms, it delivers a wide array of traditional, modern, and emerging channel experiences tailored to every type of user, including end customers, bank staff, external partners, and trusted third parties.

The core promise of the Finacle Digital Engagement Suite is to enable banks to drive deeper customer engagements, openness and agility for innovation-led growth, and digital operational excellence. This is made possible by a unified engagement hub, a broad suite of digital transformation services, industry-leading architecture, a robust ecosystem and experiences that are transformed from end-to-end.

Alkami Platform

Alkami Platform is a cloud-based solution for all digital-banking needs. The platform offers a market leading UX that rivals the most progressive neobanks combined with a data set that rivals the largest megabanks.

The platform empowers banks and credit unions to swiftly adapt to evolving market demands, enhancing user engagement and driving long-term growth for their institutions. As one of the top digital banking platforms, it seamlessly integrates with various third-party solutions and marketplaces, offering additional payment methods and services to meet customer needs effectively.

Watch more: Digital Transformation Solutions: Navigating the Future of Business

Q2 Platform

Q2 Platform is a comprehensive digital banking platform that provides banks and credit unions with exceptional retail and business banking experiences through a highly-configurable SaaS offering that deepens engagement and drives growth.

The platform also provides robust data analytics and integrated marketing solutions, enabling financial institutions to make data-driven decisions and personalize their offerings for each user. As one of the leading digital banking platforms, Q2 Platform supports a wide range of channels, including internet banking, mobile banking, open banking, digital wallets, alerts and notifications, social media banking, chatbots, call centers, wearables, ATMs, and kiosks.

Appway Digital Banking

Appway Digital Banking is an AI photo editor, graphic designer and poster maker application for digital creators, small businesses, online sellers, ecommerce sellers and online resellers. Appway Digital Banking supports real digital transformation through intelligent process orchestration, enabling authentic human interactions across all touchpoints in the physical and digital worlds.

The platform offers extensive capabilities to design customer-centric processes leading to consistent cross-channel journeys. Appway Digital Banking also integrates with any core banking system or third-party application to provide a seamless and secure digital banking experience.

NETinfo Digital Banking Platform

NETinfo Digital Banking Platform is a comprehensive omnichannel solution that unifies multiple channels and creates a single, seamless banking service for retail, corporate and private customers. At the same time, the platform greatly enhances customer experience through in-built analytics and personalisation tools.

The platform offers a wide range of features and functionalities, such as internet banking, mobile banking, open banking, digital wallet, alerts and notifications, social media banking, chatbot, call center, wearables, ATM and kiosk integration.

Finflux

Finflux is a cloud lending platform that offers all lending needs at one place. Finflux enables financial institutions to automate workflows across people, systems and data.

Finflux provides comprehensive capabilities ranging from core banking services to customer management, reporting, compliance & risk management. Finflux also offers alternative data-based credit scoring, marketplace integration, app-based lending, and dashboards.

NCR Digital Insight

NCR Digital Insight is a cloud-based digital banking platform that provides banks and credit unions with advanced, single-platform technology, exceptional customer experience, and continuous innovation.

NCR Digital Insight enables financial institutions to offer personalized solutions to consumers and businesses through various channels such as Internet banking, mobile banking, account opening, marketing and communications, data analytics, security & compliance, and account switching.

Blend

Blend is a cloud-native platform that streamlines the journey from application to close for any banking product. Blend empowers financial institutions to deliver frictionless and compliant experiences to their customers across the entire customer lifecycle.

Blend offers comprehensive solutions for mortgage, consumer banking, deposit account opening, home equity, vehicle loans, and credit cards. As one of the top digital banking platforms, Blend integrates with various data sources and partners to deliver a seamless and secure digital banking experience.

Velmie

Velmie is a financial technology provider that has been on the market for more than 10 years, delivering back end, mobile and web solutions to enterprise financial institutions and entrepreneurs.

Velmie offers a neo-bank solution that meets the need for reliable and scalable digital banking services. Velmie provides solutions for retail banking, business banking, wealth management, payments, and digital wallets. Velmie also leverages artificial intelligence and blockchain technologies to provide innovative and secure digital banking solutions.

Watch More: What Is The Best Banking Solution In 2024

Conclusion

Digital banking platforms are essential for financial institutions to stay competitive and relevant in the digital age. They offer convenience, cost-efficiency, personalization, and innovation to both customers and businesses. The 10 cutting-edge financial technologies reviewed in this blog post are some of the most popular and advanced ones in 2023. They provide various features and functionalities to meet the diverse needs and expectations of different segments of the market.

If you are looking for a reliable and experienced partner to help you implement or improve your digital banking platforms services, contact us today. We are SmartOSC, a global digital transformation agency that specializes in eCommerce and fintech solutions. We have helped many banks and financial institutions worldwide to achieve their digital goals and grow their business. We can help you too. 

Source:  https://www.smartosc.com/digital-banking-platforms/

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