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Redian Software
Banking solution

Core banking, modern — built API-first for the next two decades

API-first core banking for commercial banks, SACCOs, MFIs and NBFCs — deposits, lending, GL, payments and reporting. Deployed across India and Africa today.

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CMMI Level 3 Appraised ISO Certified 200+ enterprises 5 regional hubs 9+ years of BFSI
Outcomes our customers see

The numbers we move.

Production benchmarks from real deployments — not vendor brochures.

  • 9 mo

    Avg. live in production

    From contract to first customer transaction

  • 250K+

    Active customers

    On a single Tier-2 deployment

  • 60%

    Lower cost-to-serve

    vs the legacy core it replaced

  • 99.99%

    Uptime SLA

    Production target across all customer banks

What's in the platform

Capabilities, end to end.

A complete module list — designed to remove the gaps where vendor platforms typically leave you in spreadsheets.

  • 01

    Customer onboarding & KYC

    Digital onboarding flows, biometric capture, CDD/EDD workflows, customer 360 with policy holdings and product utilisation.

  • 02

    Accounts & deposits

    Savings, current, FD, RD, sweep accounts. Configurable product factory — launch a new deposit product in days, not quarters.

  • 03

    Lending & loan accounting

    Product configuration, disbursement workflows, schedule generation, NPA classification, automated provisioning, write-off.

  • 04

    Payments engine

    RTGS, NEFT, ACH, mobile money (M-Pesa, Airtel Money), card switching, real-time payments. Per-region payment rail support.

  • 05

    GL & reconciliations

    Multi-entity, multi-currency real-time general ledger. Automated reconciliations across modules and channels. No nightly batch surprises.

  • 06

    Regulatory reporting

    RBI · CBK · CBUAE · FCA-ready report packs. Scheduler, validation rules and submission workflows for statutory returns.

Who deploys this

Built for the operating environments we know best.

We've shipped this platform across the most common patterns — find the closest fit to your operating model.

  • Commercial banks

    Tier-2 and Tier-3 banks modernising off legacy cores like Finacle, Flexcube or T24. Multi-branch, multi-currency, regulator-supervised.

  • SACCOs & credit unions

    Cooperative financial institutions across East Africa and Southern Africa. Member-based products, shared liability and dividend mechanics built in.

  • Microfinance institutions

    MFIs serving the financial inclusion segment — group lending, joint liability, weekly/fortnightly cycles, agent-network disbursement.

  • NBFCs

    Non-banking financial companies — consumer lending, SME lending, vehicle finance, gold loans. Lighter balance-sheet, asset-heavy operations.

  • Cross-border banks

    Banking groups operating across 3+ countries — single-tenant deployment per country with consolidated group reporting.

  • Neobanks & fintechs

    Digital-first banks needing a core that doesn't fight their API-first product architecture. Headless deployment for custom front-ends.

Implementation

How a rollout unfolds.

Phased, milestone-driven, with parallel-run safety nets where regulators require them.

  1. 01Weeks 1–4

    Discovery & shaping

    Regulator scan, current-state assessment, product mapping, integration map, target architecture. Output: written design document and fixed-price proposal.

  2. 02Weeks 5–14

    Configuration & customisation

    Product factory configuration, custom modules, integration build (payments, channels, accounting). Working software in UAT every two weeks.

  3. 03Months 4–7 (parallel)

    Data migration

    Extract from legacy core (Finacle, Flexcube, T24, custom). Cleanse, deduplicate, validate. Three-cycle trial migration to UAT before live cutover.

  4. 04Months 7–8

    UAT & dry-run

    Full UAT with your operators, dry-run with real branch staff, regulator-aware audit-trail testing, performance and security stress tests.

  5. 05Month 9

    Go-live & parallel run

    Staged cutover with new + legacy running in parallel. On-the-ground launch support from our team. Hypercare for the first 30 days.

  6. 06Ongoing

    Run mode & evolution

    24×7 SLA-backed support. Quarterly business reviews. New product rollouts, channel additions, regulator updates absorbed as they come.

Solution overview

In depth — how this platform runs.

The long-form view of capability, architecture and deployment model.

A core that doesn't fight you

Legacy cores are notoriously inflexible — green-screen interfaces, batch-based reconciliation, weeks to launch a new product. Our core banking platform was built API-first from day one: every account, every transaction, every product configuration is reachable, scriptable and integratable. The result is a core that supports — rather than blocks — your digital roadmap.

Modules in the platform

  • Customer onboarding & KYC — digital onboarding, biometric capture, CDD/EDD workflows, customer 360.
  • Accounts & deposits — savings, current, fixed deposits, recurring deposits, sweep accounts.
  • Lending & loan accounting — product configuration, disbursement, schedule generation, NPA classification, provisioning.
  • Payments — RTGS, NEFT, ACH, mobile money (M-Pesa, Airtel Money), card switching, real-time payments.
  • General ledger & reconciliations — multi-entity, multi-currency, real-time GL with automated reconciliations.
  • Regulatory reporting — RBI / CBK / CBUAE / FCA-ready report packs, scheduler and submission workflows.
  • Channel integrations — internet banking, mobile banking, agency banking, ATM, USSD, contact centre.

Deployment models

Commercial banks, SACCOs, microfinance institutions, NBFCs and credit unions. Single-tenant on-prem, single-tenant cloud, or multi-tenant SaaS. Containerised deployment on Kubernetes (your cluster or ours).

Regulator coverage

Built and deployed under RBI (India), CBK (Kenya), CBUAE (UAE), BCEAO (Francophone Africa) and BEAC (Central Africa) oversight. SOC 2 / ISO 27001-ready controls, PCI-DSS for card-handling modules.

Why Redian

What makes this platform different.

Independent reasons clients pick us over incumbents and over generic global platforms.

  • 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 · BEAC supervision experience. Audit trails, segregation of duties and reporting designed in, not bolted on.

  • Configurable, not custom

    Product factory lets your team launch new products without code changes. Custom code only where genuinely needed — most banks customise less than they expect.

  • Same team builds & runs

    The engineers who build your core also run it 24×7 post go-live. No vendor handoff, no support-team learning curve.

Tech & integrations

What the platform talks to.

Open APIs, standard integrations, configurable from day one.

  • Java
  • Spring Boot
  • PostgreSQL
  • Oracle
  • MS SQL
  • Redis
  • Kafka
  • REST APIs
  • GraphQL
  • ISO 20022
  • ISO 8583
  • M-Pesa
  • Airtel Money
  • RTGS
  • NEFT
  • ACH
  • SWIFT
  • PCI-DSS
  • SOC 2
  • ISO 27001
  • Kubernetes
  • Docker
  • AWS
  • Azure
  • On-prem VMware
  • PagerDuty
  • Datadog
  • Sentry
Proof from production

A deployment that mirrors your use-case.

Real customer · real numbers · real go-live. Most of our work is under NDA — this is one we can share publicly.

BankingAfrica

Core Banking + Digital Channels for a Cameroon-based Bank

Client · Confidential — Cameroon

  • 9 months

    Live in production

  • 250,000+

    Active customers

  • −60%

    Cost-to-serve

Full core banking modernisation plus mobile, internet and agency banking for a Cameroon-based bank — live in 9 months, now serving 250,000+ customers.

Tech stack

JavaSpring BootPostgreSQLKafkaReactKotlinSwiftAWS
Read the full case study All case studies
Frequently asked questions

Everything you wanted to ask before the demo.

Don't see your question? Ask us directly →

How long does a core banking implementation take?

9–14 months from contract to production go-live for a Tier-2 commercial bank. Microfinance institutions and SACCOs typically 6–10 months. We run new + legacy in parallel until cutover is proven safe — no big-bang risk.

Is your core banking platform single-tenant or multi-tenant?

Both. Single-tenant on-prem or cloud for banks that need data residency or full isolation. Multi-tenant SaaS for SACCOs and microfinance institutions where pooled infrastructure makes economic sense. You choose; we support both.

Which regulators have you deployed under?

RBI (India), CBK (Kenya), CBUAE (UAE), BCEAO (Francophone West Africa), BEAC (Central Africa). The platform ships with regulator-ready report packs and audit trails pre-configured for these jurisdictions.

Can we customise the platform without locking us into your team?

Yes. The platform exposes APIs, configuration files and a product-factory tool that lets your in-house team launch new products without code changes. For deeper customisation, we train your team during the build and hand over a documented codebase.

Will you migrate our existing customer and account data?

Yes. We've migrated from Finacle, Flexcube, T24, Bank Fusion and legacy custom systems. Standard process: 3-cycle trial migration against UAT, full reconciliation before live cutover, rollback procedures contracted upfront.

What's the total cost of ownership compared to a Tier-1 vendor?

Typically 40–60% lower over 5 years vs Finacle / Flexcube / T24 — driven by simpler licensing, lower implementation cost and easier ongoing customisation. We send a detailed TCO model after the first scoping call.

Do you support agency banking and last-mile distribution?

Yes — agency banking is a first-class module with terminal management, real-time settlement, biometric customer verification and tamper-evident audit trails. We've deployed agent networks of 20,000+ across East and West Africa.

Still figuring it out? Tell us your operating environment and we'll send a tailored architecture and pricing within one business day.

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See it live

Ready for a tailored Core Banking System walkthrough?

Tell us your regulator, your incumbent system and the outcome — we'll send a demo plan and pricing within one business day.

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