Digital Banking Platform

Launch a Digital Bank
in Weeks, Not Years

White-label the complete digital banking platform under your brand. 52-screen Flutter mobile app, 59-page Next.js web portal, 64-page admin dashboard — with 7 savings products, 6 loan products, NIBSS transfers, bill payments, AI chat assistant, and biometric KYC. Powered by Kora IDV, Kora Compliance, and Kora CBA — our own platform eating its own cookies.

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Mobile banking dashboard with savings, loans, transfers, and rewards

BY THE NUMBERS

Proven at Scale

Weeks

Time to launch

White-label the complete platform — mobile app, web app, admin portal — under your brand

Financial products

7 savings products and 6 loan products ready for your customers on day one

3 apps

Mobile, web, and admin

52-screen mobile app, 59-page web portal, and 64-page admin dashboard

175+

Screens total

52 mobile + 59 web + 64 admin — every flow production-ready

PLATFORM

3 Applications, One Platform

White-label all three apps under your brand. Multi-tenant architecture with per-bank theming, configuration, and RBAC.

3 applications: 52-screen mobile, 59-page web, 64-page admin

CORE CAPABILITIES

Everything Your Customers Need

Savings, loans, transfers, bill payments, and biometric KYC — all powered by Kora IDV and Kora Compliance internally. Backed by Kora CBA for core banking.

7 Savings Products

Flexible, target (goal-based), fixed deposit, piggybank (auto micro-savings), safelock (time-locked), group savings (ajo/esusu), and auto-savings. Interest tracking and progress visualization.

6 Loan Products

Quick cash, personal, business, salary advance (50% salary), asset finance, and home mortgage. ML credit scoring, reducing balance amortization, and auto-repayment discount.

Transfers & Bill Payments

Internal, NIBSS interbank, mobile money, and international transfers. Multi-provider bill payments via Interswitch across 8 categories with 30+ providers.

KYC & Onboarding

4-tier KYC with progressive limits. Document OCR, selfie matching, and liveness detection powered by Kora IDV. AML/PEP screening powered by Kora Compliance.

ADDITIONAL FEATURES

Delight Customers From Day One

AI Chat Assistant

Intelligent conversational banking — check balances, initiate transfers, and get account insights through natural language. Context-aware and always available.

Rewards & Gamification

Daily challenges, achievement badges, streaks, leaderboards, tier-based benefits, referral rewards, and promo codes. Drive engagement and retention.

Multi-Tenant White-Label

Subdomain-based tenant detection with per-bank theming — logo, colors, typography, and welcome messages. Deploy once, power multiple banks.

Security & 2FA

Biometric login (fingerprint/face), TOTP/SMS two-factor auth, device management, transaction PINs, and fraud detection.

Transaction Analytics

Spending insights, category breakdowns, income vs expense trends, and downloadable account statements.

Offline Mode

Local data caching for offline access with automatic sync. Cache invalidation on version changes.

Ready to Launch Your Digital Bank?

White-label the complete platform — mobile app, web app, admin portal, and backend — under your brand. Powered by Kora IDV, Kora Compliance, and Kora CBA.

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All Kora Digital Banking Features

52-screen React Native mobile app (iOS & Android)

59-page customer web app + 64-page admin portal (Next.js 14)

6 savings products (flexible, target, fixed deposit, piggybank, group/ajo, safelock)

6 loan products (personal, business, salary advance, quick cash, asset finance, mortgage)

Local interbank transfers with account name validation

Multi-provider bill payments (8 categories, 30+ providers)

KYC with camera capture, liveness detection, and Google Cloud Vision OCR

Multi-tenant white-label architecture (tenant detection, custom theming per bank)

AI chat assistant (OpenAI-powered banking queries)

Gamification, rewards points, and referral program

RBAC with role/permission management and audit trail

Multi-currency wallets (local + USD, EUR, GBP)

Launch a Digital Bank in Weeks, Not Years

Proven at Scale

3 Applications, One Platform