Custom Retail Banking Software Solutions
Eliminate the bottlenecks of IT talent shortages, rigid legacy software, and complex compliance requirements. Accedia helps you build secure and flexible retail banking software solutions that meet customer demands, adapt to regulatory changes, and drive innovation, allowing you to focus on growth.
Trusted by Industry Leaders
The Retail Banking Challenges
Technology Talent Shortage
Retail banks face an ongoing struggle to attract and retain skilled IT professionals. This leads to project delays, higher costs, and missed opportunities in a fiercely competitive digital landscape.
Legacy & Outdated Systems
Aging core banking software often holds back innovation and drives up maintenance costs. Integrating new digital solutions with outdated infrastructure is slow and complex, making it hard to deliver modern banking experiences.
Regulatory & Compliance Pressure
With constantly evolving regulations like PSD2, GDPR, and US regulatory standards, staying compliant is a full-time job. The risk and the burden of securing sensitive data create major operational challenges.
Changing Customer Expectations
Customers expect seamless, personalized digital banking—anytime, anywhere. Falling short means losing ground to agile FinTechs and digital-first competitors.
Cybersecurity Threats
As cyberattacks become increasingly sophisticated, banks must protect their customers' data and transactions. Meeting stringent banking security standards adds to the complexity and risk.
Go-to-Market Bottlenecks
Launching new products and features quickly is critical to staying ahead. Resource shortages, legacy processes, and complex approvals can stall progress and lead to lost revenue.
Why Industry Leaders Choose Accedia
50+
Financial Institutions
Have chosen Accedia as their technology partner for digital banking transformation.
12+
Years
Delivering banking technology solutions across the UK, Europe, North America, and key global markets.
30%
Reduction
In operational costs for banks leveraging automated workflow solutions.
3x
Faster
Deployment times for new digital banking products, compared to legacy providers.
Accedia’s Custom Retail Banking Development Services
Custom Application Development
Build tailored banking platforms, digital onboarding solutions, and secure payment gateways. Our rapid prototyping and design-thinking approach have helped clients reduce time-to-market for new banking products by up to 30%.
Machine Learning and AI
Transform your retail banking operations with AI-driven solutions. Enable predictive analytics for real-time risk assessment and fraud prevention, automate compliance monitoring, and deliver hyper-personalized financial advice to engage customers and boost loyalty.
Data Analytics
Unlock actionable insights from your banking data with advanced analytics and real-time dashboards. Optimize portfolio performance, enhance credit and risk assessment, and ensure regulatory compliance through automated, transparent reporting.
Cloud Engineering
Migrate core banking functions or digital channels to the cloud with confidence. Achieve the scalability, security, and compliance that retail banks demand while reducing IT overhead and enabling faster innovation for your digital services.
Application Modernization
Upgrade legacy core systems and banking applications to improve performance, security, and integration with new fintech solutions. Modernize your technology stack to support faster processing, higher transaction volumes, and innovative digital services.
Cyber Security
Protect your customers and business with banking-grade cybersecurity. Benefit from proactive threat monitoring, end-to-end encryption, and regulatory-grade controls that safeguard your digital assets and maintain customer trust.
Business Development Director
Temenuzhka Kurteva
Temenuzhka is a Business Development Director with 10+ years of experience in the IT sector. She specializes in building financial product teams, strategy analytics, business planning, and team effectiveness.
Automating Digital Lending at Scale for Castle Trust Bank
Castle Trust Bank partnered with Accedia to streamline lending operations, enhance fraud prevention, and ensure compliance, all while supporting a network of 2,000 retailers. Together, we built a scalable lending platform, automating over 200,000 credit decisions yearly and enabling 80% of loans to be approved in minutes.
Improving Customer Engagement with AI for a Leading European Bank
A major European retail bank partnered with Accedia to unlock new levels of customer engagement through advanced AI and machine learning. By integrating natural language processing and intelligent automation into their digital banking platform, we achieved a 30% increase in customer engagement, improved marketing effectiveness, and customer loyalty.
AI-Powered Fraud Detection for a Leading UK Bank
When a UK retail bank saw a surge in transaction fraud, it turned to Accedia for a smarter defense. Our team delivered an AI-powered fraud detection module trained on anonymized transactions and fine-tuned for FCA compliance, which integrated directly with their existing cloud-native core system. The result: a 35% drop in fraud cases, 25% fewer false positives, and secure processing on UK-resident cloud infrastructure.
Accedia's Retail Banking Success Stories
Automating Digital Lending at Scale for Castle Trust Bank
Castle Trust Bank partnered with Accedia to streamline lending operations, enhance fraud prevention, and ensure compliance, all while supporting a network of 2,000 retailers. Together, we built a scalable lending platform, automating over 200,000 credit decisions yearly and enabling 80% of loans to be approved in minutes.
Improving Customer Engagement with AI for a Leading European Bank
A major European retail bank partnered with Accedia to unlock new levels of customer engagement through advanced AI and machine learning. By integrating natural language processing and intelligent automation into their digital banking platform, we achieved a 30% increase in customer engagement, improved marketing effectiveness, and customer loyalty.
AI-Powered Fraud Detection for a Leading UK Bank
When a UK retail bank saw a surge in transaction fraud, it turned to Accedia for a smarter defense. Our team delivered an AI-powered fraud detection module trained on anonymized transactions and fine-tuned for FCA compliance, which integrated directly with their existing cloud-native core system. The result: a 35% drop in fraud cases, 25% fewer false positives, and secure processing on UK-resident cloud infrastructure.
Tailored Banking Software Solutions for the US and UK Markets
Accedia delivers specialized retail banking software solutions built for the distinct regulatory requirements and market dynamics of the UK and the USA. Explore how our local expertise and proven track record help banks in both regions drive innovation, ensure compliance, and deliver exceptional customer experiences.
Trusted Network & Certifications
FAQs: Your Guide to Retail Banking Software Development
What types of retail banking software solutions do you develop?
Accedia builds a wide range of custom solutions for retail banks, including digital onboarding platforms, mobile and web banking applications, lending and credit management systems, payment gateways, customer self-service portals, fraud detection tools, and AI-powered analytics dashboards. We can help you launch a new digital channel or modernize your existing banking software, while creating a secure, scalable platform tailored to your needs.
How do you ensure compliance and data security?
Accedia takes compliance and security seriously at every step of the software development process. We align our solutions with the latest banking regulations, conduct regular security audits, and follow industry best practices for encryption and data protection. Our team implements robust authentication, access controls, and continuous monitoring to safeguard sensitive information.
How does your team approach digital transformation projects in retail banking?
We take a holistic approach to digital transformation in retail banking, starting with a deep understanding of your unique challenges and objectives. Our process covers everything from legacy system modernization and cloud migration to designing new digital banking platforms and integrating AI-powered features. We work closely with your stakeholders, using agile methodologies to deliver secure, high-impact solutions on time and on budget.
How do we get started with Accedia?
Getting started is simple. Just book a discovery call with our team, and we’ll discuss your current challenges, business goals, and technical needs. From there, we outline a tailored solution roadmap, define project scope, and walk you through every step—from initial planning and rapid prototyping to full-scale implementation and support. Our process is transparent, collaborative, and designed to deliver measurable value right from the start.
Build Your Custom Retail Banking Solution
Ready to transform your retail banking operations? Share your goals and challenges with us to get:
- A one-on-one consultation with a retail banking software expert
- In-depth analysis of your technical and business requirements
- A tailored solution roadmap and clear next steps
Let’s accelerate your digital transformation—secure, compliant, and built for innovation.
