DBOS – The operating system for digital banking

The banks building their future today are not doing it in their core banking system. They are doing it.

One layer between your past and your future

Frame-1

Every device you use runs an operating system

It manages complexity underneath and makes everything available through simple, unified interfaces. Applications do not need to know how the hardware works. They just build.

DBOS does the same
for banking

It sits between a bank's core systems and its customer-facing applications, abstracting the complexity of legacy infrastructure, fragmented data and disconnected processes – making everything available through unified APIs. Business teams no longer need to wait for IT. The bank builds on top.

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This is what it bridges

Two worlds, one gap

Customer-facing apps are built for human psychology and ease of use. Core banking for operational excellence and data integrity. They never fully meet and this creates a gap.

Everything connected

DBOS bridges both worlds — connecting core systems, third-party services and external data sources through unified APIs and adding modern front-ends.

One live customer picture

Real-time data is cached and served across every channel from a single high-performance data store.

One operational layer

Background (1) A single source of truth for product definitions, process configurations and data semantics.

Business-led journeys

Background (2) Business teams can design, configure and launch customer journeys without writing code.

Modular by design

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25+ components.
One complete banking platform.

Deploy the full platform from day one, or start with the components that address your most pressing needs and expand from there. Either way, every component is built to work seamlessly together – and to stand on its own.

Core components

The non-negotiable foundation: identity, authentication, entitlements, real-time data access and secure transaction processing.

Optional components

Extend the platform where your strategy demands: personalisation, loyalty, payments and open banking.

Starter kits

Pre-configured bundles for retail, business and investment banking that dramatically reduce the time and cost of going live.

We measure success by how little you need us.

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Sovereignty built in

DBOS is our platform and we keep it evolving for everyone. But everything your bank builds on it – journeys, configurations, source code – is entirely yours.

Yours to own – Extend and change without depending on us.

Knowledge transfer – We train your teams to run it independently.

A partner, not a vendor – Available for as long as you need us.

Unique to your bank, under your control, yours to extend and change without needing us. We transfer the knowledge to make that possible, and we stay available as a partner when you want us.
That is the difference between a vendor and a partner. And between dependency and sovereignty.

Key capabilities

25+ modular components covering the full digital banking stack.

Unified APIs connecting core systems, third-party services and external data sources.

Real-time operational data store for instant, low-latency customer data access.

Unified namespace as single source of truth for all product and data definitions.

Journey designer for low-code and no-code development.

Starter Kits for retail, business and investments.

Multi-institutional and multi-country setup.

Full bank ownership of configurations, journeys and source code.

Stop planning. Start shipping.

Whether you're exploring AI or scaling production, we’ll help you move forward.

Book a meeting