About the Client
The client is a prominent neobank in the United States that provides digital banking services to consumers nationwide. As one of the first consumer FinTech firms to obtain a national bank charter, the client offers a range of financial products, including deposit accounts, payment services, and consumer credit. After securing a full-fledged banking license within five years of incorporation, they aimed to expand their portfolio of financial offerings with rich customer interaction platforms.
Goals
The client set out to build a powerful and innovative cloud banking platform to enable rapid growth, scale digital offerings for the future, and provide secure, cost-efficient services. Achieving these goals required a technology partner with deep experience in cloud-native solutions, leading them to engage the services of our Bridgenext engineering team for transformation support.
Solution
During a quick transition and implementation phase, Bridgenext partnered with client’s team to rapidly elevate their cloud banking infrastructure, already serving more than one million users, within an aggressive timeline. Our approach ensured seamless migration of their core application, meeting a strict deadline without impacting user experience. Leveraging adaptive technology, third-party integrations, and agile methodologies, we enabled the creation of a resilient, accessible, and future-ready digital banking ecosystem, advancing the client’s goals of financial inclusion and operational excellence.
The following business needs were addressed:
- Advancing core banking features through cross-functional collaboration
- Enhancing wallet application functionality to meet evolving user needs
- Seamlessly integrating third-party services across multiple platforms for unified user-journey
- Implementing automation testing protocols to raise quality assurance
- Delivering comprehensive end-to-end testing and reliability checks
- Building and supporting their data lake team for better decision-making
Bridgenext strengthened the client’s architecture by integrating a modern ecosystem of third-party services, spanning payments, identity, fraud, credit, risk, and card networks through a scalable microservices framework. Key third-party platform integrations included Plaid, Temenos, Galileo, Visa, Fiserv, Netsuite, Tableau, and MiTek.
We introduced an experimentation platform for rapid A/B testing, personalized rewards, and targeted offers to drive activation, retention, and deeper engagement.
The solution also included PCI-compliant capabilities including tokenization, secure vaulting, encrypted card-data pipelines, and dedicated microservices for card operations to strengthen security and compliance readiness.
To support long-term growth, a unified orchestration layer was created to connect their mobile app, CRM, decisioning engines, and partner systems, ensuring consistent logic and faster feature rollouts.
The team is proud to have enabled their smooth transition from a legacy sponsor-bank model to a fully chartered, FDIC-approved infrastructure with zero major disruption.
Results
As a seamless extension of their digital product engineering team, Bridgenext’s adaptive technology approach freed up their critical engineering resources for clients to focus on pioneering a next-generation “plug and play” architecture to foster a resilient app experience. Our collaborative efforts supported an expedited product launch, setting a new benchmark in speed-to-market for the neobank sector.
Ongoing achievements include:
- Introduction of innovative products and regular feature enhancements
- Streamlined back-office operations through automation initiatives
- Substantial reduction in operational costs
- Rapid scalability to meet evolving customer demands
- Diversified service offerings optimized for cost efficiency
- Sustained statutory and regulatory compliance standards
