Internet banking is no longer a "channel" — for most retail and SME customers it is the bank. This page is for heads of digital, COOs and CTOs at banks, MFIs and SACCOs who need an internet banking platform that holds up under regulator scrutiny, scales past the first 100,000 active users, and does not drift out of sync with the core ledger every weekend.
What it does
Redian's internet banking gives retail, SME and corporate customers a single secure web channel for accounts, payments, cards, loans, standing instructions, statements and service requests. It runs on the same data layer as our core banking platform, so balances, holds and limits are read live from the ledger rather than from a stale replica. Bankers see one customer view across branch, web and mobile — no parallel reconciliation, no "channel-only" balances that disagree with the GL on Monday morning.
We deliver both customer-facing portals and the back-office consoles that operations, risk and compliance teams use to administer them.
Where it fits
The platform fits banks moving off legacy net banking that was bolted onto a third-party core in the 2010s, MFIs and SACCOs digitising for the first time, and digital-first banks that want a regulator-aware build rather than a SaaS template. Typical deployments serve 50,000 to 2 million customers across one or several countries, with multi-currency, multi-language and multi-entity support for groups operating across East Africa, the GCC or South Asia.
It is equally relevant for corporate banking customers who need bulk payments, file uploads, maker-checker workflows, host-to-host connectivity and entitlement matrices across legal entities.
Core modules
- Retail portal — accounts, transfers (own, intra-bank, RTGS/NEFT/SWIFT/local rails), bill payments, cards self-service, cheque services, standing orders, e-statements, secure messaging.
- Corporate portal — multi-user entitlements, maker-checker (1-of-n, m-of-n), bulk payments, payroll uploads, virtual accounts, liquidity views, trade finance enquiries.
- Onboarding and servicing — digital account opening with KYC/eKYC, document upload, video KYC, address and mandate changes, joint-holder management.
- Lending in-channel — top-ups, EMI views, foreclosure quotes and pre-approved offers, with hooks into loan origination and loan management.
- Risk, fraud and compliance — device binding, step-up auth, behavioural rules, transaction monitoring feeds into AML, and a full audit trail that survives regulator inspection.
- Admin console — content management, rate cards, feature flags by segment, customer support 360, dispute handling, charge configuration.
Security and resilience, by default
We design for the threat model regulators actually examine: account takeover, SIM swap, mule networks, API abuse and insider misuse. The platform ships with multi-factor authentication (TOTP, push, hardware tokens, biometrics on mobile companion apps), device and behavioural fingerprinting, transaction signing for high-value payments, rate limiting and bot defence at the edge, and end-to-end encryption with HSM-backed key custody.
On resilience: active-active deployment across two data centres or cloud regions, RPO measured in seconds, documented RTO targets and DR drills that are scripted, not improvised. Logging, SIEM hand-off, and immutable audit trails are part of the base build, not an upsell.
Built on the core, not bolted on
This is where most retrofitted net banking platforms quietly fail. Because our internet banking shares its data layer with the core, there are no nightly batches feeding the channel, no reconciliation drift between the GL and what the customer sees, and no awkward "channel-only" balances that need correcting on Monday morning. A transfer initiated on the web is the same transaction the branch teller would post — same limits, same approvals, same audit trail. That single decision removes an entire class of operational risk, and the savings show up in fewer customer disputes, faster month-end close, and cleaner regulator returns.
Why Redian
We are a CMMI Level 3 appraised, ISO-certified delivery partner with engineering hubs in Noida, Nairobi, Dubai, London and New York. We have shipped core banking and digital channels for banks across India, East Africa and the GCC — see the Cameroon core banking case study for an example of an integrated rollout. Our teams know the regulators (RBI, CBK, SAMA, CBN, BoT) and the local payment rails, and we work with your compliance function rather than around it.
For banks that want to extend the team in-house, we offer IT staff augmentation and global capability centres; for end-to-end builds, our custom software development and AI/ML practices cover the full stack.
Working with Redian
Most internet banking engagements start with a four to six week discovery — current channel pain points, regulator commitments, integration map, and a phased rollout that does not freeze the business. We then ship in releases, not big-bang go-lives. Talk to our banking team about a target architecture review, or browse our case studies for comparable deployments.
