Redian Software's core banking platform is API-first, built for the next two decades — not retrofitted onto a legacy vendor's release cycle. CMMI Level 3 Appraised, ISO 27001 and 9001 certified, with nine years of production banking delivery across 200+ enterprises from Noida, Nairobi, Dubai, London and New York. Deployed under RBI, CBK, CBUAE, FCA, BCEAO and BEAC oversight for commercial banks, SACCOs, MFIs and NBFCs — with a delivery model tuned for tier-2 and tier-3 banks that cannot afford an 18-month implementation overrun.
What we deliver
- Customer onboarding and KYC — digital onboarding, biometric capture, CDD/EDD workflows, customer 360 with product utilisation and policy holdings.
- Accounts and deposits — savings, current, fixed deposits, recurring deposits, sweep accounts. Product-factory tool for new-product launch without code change.
- Lending and loan accounting — product configuration, disbursement workflows, schedule generation, NPA classification, automated provisioning, write-off.
- Payments engine — RTGS, NEFT, IMPS, ACH, SWIFT, real-time payments, mobile money (M-Pesa, Airtel Money, MTN MoMo), card switching.
- General ledger and reconciliations — multi-entity, multi-currency real-time GL with automated reconciliations. No nightly batch surprises.
- Regulatory reporting — RBI, CBK, CBUAE, FCA, BCEAO and BEAC-ready report packs, schedulers and submission workflows.
- Channel integrations — internet banking, mobile banking, agency banking, ATM, USSD, contact centre.
Who we build this for
- Commercial banks — tier-2 and tier-3 banks moving off Finacle, Flexcube or T24
- SACCOs and credit unions — cooperative financial institutions across East and Southern Africa
- Microfinance institutions — group lending, joint liability, weekly and fortnightly cycles, agent-network disbursement
- NBFCs — consumer, SME, vehicle and gold-loan lenders
- Cross-border banking groups — 3+ countries, single-tenant per country, consolidated group reporting
- Neobanks and fintechs — headless deployment for API-first product architecture
Our approach
Discovery — regulator scan, current-state assessment, product catalogue and integration map, target architecture. Output is a written design document and fixed-price proposal. Configuration and customisation — product-factory configuration, custom modules and integrations built to design. Working software in UAT every two weeks. Data migration — extract, cleanse, deduplicate, validate; three-cycle trial migration to UAT before live cutover. UAT and dry run — full UAT with operators, dry-run with branch staff, regulator-aware audit-trail testing, performance and security stress tests. Go-live and parallel run — staged cutover with new plus legacy running in parallel, on-the-ground launch support, hypercare in the first month. Run and evolution — 24×7 SLA-backed support, quarterly business reviews, new products absorbed as they come. Timeline committed at end of Discovery, in writing.
Why Redian for core banking
- Built for emerging-market banks — API-first, multi-currency, mobile-money-aware, low-bandwidth-friendly. Designed for the realities of Africa and South Asia, not retrofitted.
- Regulator-aware by design — RBI, CBK, CBUAE, FCA, BCEAO and BEAC supervision experience.
- Configurable, not custom — product factory lets your team launch new deposit and lending products without code.
- Same team builds and runs — the engineers who deliver your core also run it 24×7 post go-live.
- CMMI Level 3 Appraised, ISO 27001 and 9001 — auditor-accepted evidence packs and SDLC.
- Fixed-scope commercial model — cost certainty on the build, no year-two scope surprises.
- Multi-region delivery — Noida, Nairobi, Dubai, London and New York.
Where we have delivered
Core banking programmes across India, Kenya, UAE, UK, Canada and additional deliveries in Nigeria, Ghana, Tanzania, Uganda, Rwanda, Ethiopia, South Africa, Cameroon and Saudi Arabia. Reference deliveries include a full core banking rollout for a Cameroonian commercial bank.
Working with Redian
Tell us the current core, the regulator, the asset size and the channels you need. A senior banking architect responds inside one business day with a written first read, a target architecture sketch and a phased proposal. NDAs signed on request. Start at /contact or browse our banking practice and BFSI case studies for comparable rollouts.
