Digital Banking Solutions
The security and scale banks require. The flexibility and choice their customers want. One enterprise digital banking platform.
ISO 27001 · CMMI Level 3
- About CARITech
Co-Building the Future of Banking
CARITech is a digital transformation provider specializing in core banking modernization. We help banks and financial institutions deliver digital experiences, improve operational efficiency, and meet regulatory requirements.
We combine global technology expertise with local market knowledge to build solutions suited to each market.
We don't just implement. We co-build with you.
50
Successful transformations
A track record of successful digital banking implementations.
12+
Active support contracts
Long-term partnerships built on ongoing support.
20+
Years of digital banking experience
Proven expertise across banking and digital transformation.
- Digital onboarding
From Identity Verification to a Funded Account
Turn prospects into verified, funded, and card-enabled customers with digital onboarding designed for speed, compliance, and conversion
Verify digital identity through document authentication, biometrics, and liveness detection
Capture customer information and supporting documents across digital onboarding touchpoints
Run real-time eKYC and AML checks across sanctions, PEPs, watchlists, and required screenings.
Enable customers to select and configure products through a guided digital journey.
Create and activate accounts through secure integration with your existing core.
Issue physical or virtual cards instantly or on a scheduled basis.
- Mobile banking
Mobile Banking Your Customers Rely On
Deliver a secure, intuitive mobile banking experience with the everyday services customers expect, from transfers and bill payments to real-time account visibility.
Transfers
- Transfer funds between accounts or send money to other bank customers.
Bill Payments
- Pay telecom, utility, and other bills across multiple service categories.
Account Overview
- View accounts, balances, details, and transaction history in one place.
Total Balance
- View the combined balance across all accounts.
- Show or hide your balance for added privacy.
Transaction Management
- Search transactions, view details, and raise disputes directly from transaction history.
- Raise a dispute directly from your transaction history.
- Search by date, amount, amount range, and description.
- Architecture built for your technology team
Digital banking solutions that sit on your core, not around it
CARITech’s API-first, core-agnostic architecture integrates with existing core banking systems, so you can deploy only the modular solutions you need without replacing your core.
Its vendor- and database-agnostic design works with existing infrastructure while meeting security, compliance, and data residency requirements.
CARITech digital banking layer
detectiSecurity and compliance span every layer, with end-to-end encryption, MFA, fraud on, and regulatory audit trails.
Built Around Your Existing Infrastructure
Core-agnostic integration
Connect digital banking solutions to your existing core through standardized APIs without a rip-and-replace program.
Flexible deployment
Deploy across public, private, or sovereign clouds to meet local data residency and regulatory requirements.
Bank-grade security
Protect data with layered controls including device intelligence, device binding, PII protection, MFA, fraud detection, and auditability.
Elastic scale
Scale from 10,000 to 10 million customers with an architecture designed to grow with your strategy.
- Other digital capabilities and features
Extend your digital banking, module by module
Start with what you need today. Add capabilities as your strategy evolves, all on the same shared backbone.
Digital Sales & Product Origination
Launch cards, loans, deposits, and BNPL solutions through digital channels.
Customer 360° Unified Profile
Create a single real-time profile combining customer data, transactions, behavior, and interactions.
White-Label & Brand Customization
Create digital experiences aligned with your brand and customer journeys.
Digital Identity & Reusable KYC
Reuse verified customer credentials across eligible products to simplify onboarding.
Business Process Management
Configure and automate approvals, compliance checks, document verification, and exceptions.
AI Voice Assistant
Enable multilingual conversational banking for supported services through AI-powered voice.
Multi-Channel Notifications
Deliver email, WhatsApp, mobile push, in-app messages, and alerts through flexible, vendor-agnostic integrations.
- Why CARITech
Built for Banks. Designed for What Comes Next
Faster time to market
Launch digital products faster with configurable journeys and pre-built banking capabilities.
Modular and scalable
Deploy only what you need today and scale from 10,000 to 10 million customers.
Deep Banking Experience
Proven expertise in implementing and integrating digital banking solutions, backed by strong banking knowledge.
Strong Usability & UI/UX
Create intuitive digital journeys built around customer needs, usability, and banking requirements.
Bank-Grade Security
Secure digital interactions with layered security, MFA, fraud detection, PII protection, and audit trails.
Vendor & Database Agnostic
Integrate with preferred vendors, providers, databases, and existing core banking systems.
Proven ROI, up to 300%
Drive lower cost to serve, greater cross-sell, and measurable improvements in customer experience.
True co-building partnership
Get ongoing support from implementation and go-live as your digital banking capabilities evolve.
Start co-building
Let's co-build your digital-first bank.
Tell us where you are on your journey. We’ll map your digital banking solution needs to your existing core and show you what a first release looks like.
- A review of your current onboarding and digital channels
- A modular plan built around your existing core
- An implementation approach aligned with your requirements
- A first-release scope designed for weeks, not months
Co-build with us
Share a few details and our banking team will get back to you within one business day.
- Enterprise digital banking solutions
- ISO 27001
- CMMI Level 3