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Banking Software Development Services

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Transform your banking services for
a digital-first world

Neontri delivers end-to-end banking software development services that help commercial banks and financial institutions boost efficiency, strengthen security, and deliver exceptional digital experiences. From core modernization and payments to mobile apps and AI, we accelerate innovation and help you confidently navigate the evolving industry landscape.

Companies that trust Neontri

As a banking software development company with a decade of experience and 400+ successful projects, Neontri is a trusted partner driving technology modernization for commercial banks and financial institutions. Our clients value transparency, collaboration, and measurable outcomes, and they choose us for our ability to translate complex challenges into practical, high-impact solutions. Whether supporting digital transformation, strengthening core systems, or accelerating innovation, we provide the strategic guidance and technical expertise necessary to achieve their ambitious business objectives.

logo Visa
logo PKO
logo PEKAO
logo mbank
logo aion bank
logo bank pocztowy
logo BKM
logo ergo
logo EY
logo millenium
logo blik
logo DXC
logo hipro
logo ingenico
logo KIR
logo paymax
logo ramp
logo polskie eplatnosci
logo Visa
logo PKO
logo PEKAO
logo mbank
logo aion bank
logo bank pocztowy
logo BKM
logo ergo
logo EY
logo millenium
logo blik
logo DXC
logo hipro
logo ingenico
logo KIR
logo paymax
logo ramp
logo polskie eplatnosci

Transforming the banking industry:
Our case studies

With over a decade of experience in financial innovation, Neontri turns complex banking challenges into scalable, secure products. From core modernization to next-gen mobile experiences, each project is engineered to reduce risk, improve performance, and create long-term value.

PKO logo in the bank Clients and customer service office workers in PKO bank

IKO, an award-winning mobile app for PKO Bank Polski

8
million
users
32
million
daily interactions
361
transfers
every minute

Over ten years ago, Poland’s largest bank asked Neontri to create a mobile application that would transform digital banking. What started as a pioneering project has evolved into one of the world’s most recognized mobile banking solutions, serving over 8 million users each month. The focus on scalability, security, and intuitive design allowed IKO to grow along with the bank’s global presence, delivering reliable performance and setting new benchmarks in user experience.

PKO Polish bank PKO office building

Data Hub, a next-generation offloading system for PKO Bank Polski

70 mln
records offloaded
daily
10 mln
data retrievals
daily
26 TB
total offloading
size

PKO Bank Polski, serving over 12 million customers, needed to reduce the growing strain on its core systems. Neontri helped the bank develop the Data Hub – a high-performance offloading platform that handles up to 10,000 requests per second and 10 million data retrievals per day. Built on Apache Cassandra and DataStax Enterprise, it keeps data flowing in real time and makes sure the system runs smoothly even under heavy load.

An office building in the evening KIR logo on the building

Innovative PSD2 hub connecting 300+ Polish banks

300
Banks
connected
18
Months of
development
300
Stakeholders
involved

The introduction of PSD2 required an efficient solution linking banks with third-party payment providers. In response to that, we partnered with KIR to build a hub that transformed a complex regulatory requirement into a secure infrastructure that strengthens Poland’s digital payment ecosystem, connecting 300 banks.

PKO logo in the bank Clients and customer service office workers in PKO bank

IKO, an award-winning mobile app for PKO Bank Polski

8
million
users
32
million
daily interactions
361
transfers
every minute

Over ten years ago, Poland’s largest bank asked Neontri to create a mobile application that would transform digital banking. What started as a pioneering project has evolved into one of the world’s most recognized mobile banking solutions, serving over 8 million users each month. The focus on scalability, security, and intuitive design allowed IKO to grow along with the bank’s global presence, delivering reliable performance and setting new benchmarks in user experience.

PKO Polish bank PKO office building

Data Hub, a next-generation offloading system for PKO Bank Polski

70 mln
records offloaded
daily
10 mln
data retrievals
daily
26 TB
total offloading
size

PKO Bank Polski, serving over 12 million customers, needed to reduce the growing strain on its core systems. Neontri helped the bank develop the Data Hub – a high-performance offloading platform that handles up to 10,000 requests per second and 10 million data retrievals per day. Built on Apache Cassandra and DataStax Enterprise, it keeps data flowing in real time and makes sure the system runs smoothly even under heavy load.

An office building in the evening KIR logo on the building

Innovative PSD2 hub connecting 300+ Polish banks

300
Banks
connected
18
Months of
development
300
Stakeholders
involved

The introduction of PSD2 required an efficient solution linking banks with third-party payment providers. In response to that, we partnered with KIR to build a hub that transformed a complex regulatory requirement into a secure infrastructure that strengthens Poland’s digital payment ecosystem, connecting 300 banks.

A developer is coding

Our banking software development capabilities

We develop mobile applications tailored specifically to the needs of retail and corporate banking. Our team delivers native and cross-platform solutions that combine intuitive UX with robust architecture, ensuring seamless payments, account management, onboarding, and customer support. With enterprise-grade security, regulatory compliance, and proven scalability to millions of users, we enable banks to modernize their digital channels, delivering the reliability and performance today’s mobile-first customers expect.

Unlock real-time intelligence across your banking ecosystem with custom data platforms designed for speed, scale, and reliability. Our solutions offload traffic from core systems, enabling lightning-fast mobile and internet banking experiences while reducing operational strain. Built to handle millions of users and thousands of transactions per second, our platforms help banks boost efficiency and accelerate digital transformation.

Delight your clients with fast, secure, and frictionless payments across every channel – online, in-app, and in-store. From ACH, EMV, and POS systems to prepaid card programs, e-commerce integration, and digital statement delivery, we help financial institutions streamline payment operations, launch new revenue-generating services, and offer consistently smooth user experiences.

Modern, efficient, and customer-centric banking requires platforms that support real-time operations, seamless integrations, and scalable growth. Neontri helps financial institutions modernize core banking platforms by deploying API integrations, microservice architectures, cloud-native solutions, and multi-vendor infrastructures – turning legacy systems into a strategic digital advantage.

We empower organizations with scalable, secure, and intelligent AI tools that automate and elevate critical financial operations, including KYC/AML checks, credit scoring, customer profiling, and advanced fraud detection. These solutions accelerate decision-making, strengthen compliance, and deliver deeper insights through predictive analytics and adaptive models.

Ensure your banking systems are secure, compliant, and operating at peak efficiency by ordering a comprehensive system audit. Our team will evaluate your system’s architecture, infrastructure, and code to identify vulnerabilities, performance bottlenecks, and regulatory gaps. At the end of the process, you will receive a detailed report with actionable insights and recommendations on how to mitigate risk and optimize operations.

We treat post-launch maintenance as an integral part of our cooperation model. Our teams monitor system performance, suggest stability improvements, and ensure seamless updates across core banking platforms to reduce downtime and minimize operational risk. With reliable, round-the-clock support, you can rest assured that your digital ecosystem runs smoothly and that all issues are resolved before they affect end-users.

Neontri provides expert consulting to help banks navigate complex digital transformation, technology modernization, and operational challenges. We conduct system assessments, build phased IT roadmaps for API and cloud integration, and design unified data architectures with robust data governance. By combining deep industry knowledge with technical expertise, we guide decision-making, optimize processes, mitigate risks, and ensure successful implementation.

accelerate your mobile app accelerate your mobile app

We tailor each collaboration to deliver measurable results.
Reach out to choose the engagement model that moves your roadmap forward.

What our partners say about working with us

pink background Mask-group

“A solution co-developed with Neontri has reduced the number of queries directed to the central system, resulting in lower infrastructure costs and customer service time.”

PKO logo with background

Piotr Durakiewicz

Team leader – departament of electronic banking applications

“The IT specialists they provided possessed the necessary experience and required competencies. We recommend Neontri as a trustworthy and reliable business partner.”

visa logo with background

Wojciech Moraczewski

Senior Manager

“Neontri’s execution and deep understanding of corporate processes made our project remarkably smooth. Their extensive enterprise experience delivered impressive results from solution to implementation.”

decathlon logo testimonial

Patryk Dąbrowski

Head of Software Development

“Neontri stood out with their commitment, technical competence, and understanding of KIR’s business needs.”

kir logo

Robert Trętowski

Vice president

ai inteligence eye ai inteligence eye

Discuss your project requirements
and development roadmap with our experts.

Benefits of partnering with Neontri

Backed by dozens of completed projects, Neontri’s banking software development services provide the deep, proven expertise needed to solve complex industry challenges. This understanding enables us to design tailored systems, optimize operations, and deliver exceptional digital experiences that drive business growth.

Innovative solutions

Neontri embraces an innovative mindset, constantly staying at the forefront of cutting-edge technologies and industry trends. By partnering with us, you gain access to modern, future-ready solutions designed to drive digital transformation, enhance agility, and deliver truly exceptional customer experiences.

engineer typing

Customized approach

We understand that every bank is unique, so we take a customized approach to meet your specific requirements. Our experts work closely with your team to uncover pain points, clarify strategic objectives, and tailor solutions to align perfectly with your business goals.

mobile app development

Proven track record

Neontri has a strong history of delivering successful banking technology projects. Our satisfied clients reflect our ability to deliver reliable, high-impact solutions that drive tangible business outcomes and support sustainable growth in an ever-evolving financial landscape.

data management solutions

Accelerated time-to-market

By streamlining development processes and leveraging modern, scalable architectures, Neontri enables banks to bring new products and services to market faster. This agility helps you stay ahead of competitors, respond quickly to changing customer demands, and capitalize on emerging opportunities.

enterprise software development

Partnership and support

We strive to build strong partnerships grounded in open communication and collaboration throughout the process. We are always available to address any concerns and provide ongoing assistance, ensuring a seamless experience with Neontri.

handshake over laptop

Security and
regulatory compliance

We build every solution on a secure, resilient architecture, using rigorous SDLC processes that embed protection from the ground up. Our commitment to security is reinforced by compliance with PCI DSS, PSD2, PA-DSS, and GDPR, as well as adherence to ISO 27001 principles. We implement advanced encryption, apply secure coding practices, and conduct regular audits to proactively identify and eliminate risks.

Our proprietary Neontri Enterprise Application Framework (NEAF) provides a robust blueprint for modern banking systems. It offers a plug-and-play security foundation for mobile apps, enabling mutual TLS encryption, PKI certificate management, multi-factor authentication, protected data storage, and threat detection. It safeguards applications against tampering, jailbreaking, and unauthorized access while reducing development time and compliance risks.

Neontri enforces rigorous data privacy controls to protect sensitive banking information at every stage of development. All client data is safeguarded through strict NDAs, role-based access management, and multi-layered security protocols that prevent unauthorized exposure. We apply data minimization principles, isolate environments to prevent cross-contamination, and use encrypted channels for every data exchange.

bank developer secure tablet software bank manager analyzing data
accelerate your mobile app accelerate your mobile app

Get a personalized cost breakdown

Get in touch
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    Banking software development FAQ

    Banking software development is designing, building, and maintaining the systems banks depend on — core transaction processing, payments, mobile and online channels, and the data infrastructure underneath all of it. These systems have to work under real regulatory pressure: PSD2, GDPR, PCI DSS. Neontri has been building in this space for 13+ years, with 100+ banking projects delivered.

    It depends heavily on scope. A focused MVP can start in the low tens of thousands. A full core-banking or multi-channel platform can run into the hundreds of thousands. The biggest cost drivers are regulatory requirements, the number of third-party integrations, and how deep the security architecture needs to go. Neontri runs a discovery phase upfront so clients get a fixed estimate before the build begins — no surprises mid-project.

    It’s re-architecting the system at the center of everything a bank does — moving from legacy infrastructure to modular, API-first platforms, often in the cloud. The tricky part is doing it without disrupting live operations. The typical sequence: system audit, roadmap, integration layer, then incremental migration. Neontri has built offloading and data-enrichment layers on top of existing cores — its Transaction Data Enrichment solution for PKO is one example — so modernization happens without pulling the rug out from under a running bank.

    Both are baked in from the start, not added at the end. Neontri builds to PSD2, GDPR, PCI DSS, and AML/KYC requirements and holds ISO 27001 certification. The team co-developed a PSD2 open-banking hub that connects 300+ Polish banks with third-party providers — regulatory integration isn’t a specialty they picked up, it’s what a significant chunk of their work has been.

    The track record is hard to argue with: 100+ projects, 98% client retention, and clients like Visa, PKO Bank Polski, and mBank. After 13 years building in one of the most demanding industries there is, the work speaks for itself.

    Yes. This is much of what Neontri does — connecting new software to existing cores, payment rails, and third-party services via APIs and middleware. The PSD2 hub connecting 300+ banks is the clearest example. The data-enrichment and offloading layers built for PKO show the same pattern: extend what’s already running rather than replace it wholesale.