11+
mobile banking apps delivered
- Native
- Android
- iOS
- KMP/CMP
Banking technology delivery
Move your banking roadmap forward. Without disrupting what already works.
Build new digital products, modernise legacy technology and connect complex banking ecosystems with a partner that understands your systems, regulatory constraints and delivery environment.
50+ financial services projects delivered
to launch a new mobile banking MVP3 months
faster time-to-market after legacy transformation4.5×
profit growth in the year following transformation+126%
approval process for €20–50M investment loans100% paperless
Where banking roadmaps get stuck
Where banking delivery slows down - and how we keep it moving.
Patterns we've seen across complex banking programmes, legacy environments and digital product delivery.
Legacy & core dependencies
New digital journeys still depend on core systems, middleware and legacy technology that were never designed for today's release cycles. We work integration-first, modernising around critical systems rather than forcing risky big-bang replacement.
Integration complexity
Core banking, payments, KYC, CRM and third-party services create dependencies across almost every digital initiative. We treat the integration layer as part of product delivery from the start, with clear ownership across systems and vendors.
Release speed vs. Governance
Banking teams need shorter release cycles without bypassing architecture, security, testing or approval processes. We build delivery around those constraints rather than treating governance as something to work around.
Security & compliance gates
Requirements discovered late create rework, additional review cycles and delayed releases. We bring security, architecture and compliance constraints into delivery decisions from the start.
AI adoption without loss of control
Engineering teams want the productivity gains of AI, while banks need control over data, access, context and auditability. Speedwave brings governed AI assistance into the SDLC without pushing developers towards uncontrolled tools and Shadow AI.
Multi-vendor delivery
Banking programmes rarely depend on one technology partner. Core vendors, product teams, integrators and internal stakeholders all own part of the roadmap. We take clear responsibility for our delivery scope and work across those boundaries rather than adding another coordination layer.
Banking technology outlook
The pressure on banking technology isn't slowing down.
85%
of banks consider digital transformation a strategic priority
58%
of banking CIOs are implementing AI initiatives
55%
of consumers primarily bank through mobile apps
Let's talk
Move your banking roadmap forward.
Legacy. Integrations. Governance. Capacity. AI adoption. Whatever is slowing delivery down, let's work out the fastest way forward.
Speednet became more than a technology supplier. They understood what we were trying to achieve as a bank and helped us turn that ambition into a digital product our customers actually wanted to use.
How we help banks
Build what customers see. Modernise what they don't.
From mobile and web banking to core integrations, legacy modernisation and governed AI delivery, we help banks move the entire technology stack forward.
From mobile and web banking to core integrations, legacy modernisation and governed AI delivery, we help banks move the entire technology stack forward.
Accelerate banking software delivery with AI. Keep control built in.
Bring AI-assisted development into controlled, context-aware and auditable engineering workflows.
Mobile banking
Build and modernise mission-critical banking apps. Native iOS/Android and cross-platform KMP/CMP delivery across complex security, integration and release environments.
Digital products & platforms
Launch digital banking products and platforms. Customer portals, lending, Value-Added Services and web platforms integrated with your bank's existing systems and processes.
Integration & modernisation
Move digital banking forward without replacing everything underneath. Modernise legacy technology and connect core banking, payments, KYC, middleware, APIs and third-party ecosystems.
Product & technology consulting
Turn banking ambitions into executable technology decisions. Product discovery, customer journeys, UX, architecture and technology strategy grounded in real banking constraints.
AI governance & adoption
Adopt AI without creating another layer of technology risk. Govern AI use across your organisation with visibility over models, policies, risks, evidence and regulatory requirements.
Financial services delivery teams
Add banking expertise without adding delivery overhead. Bring in individual specialists or complete agile teams that understand regulated banking environments, integrate with your organisation and take ownership from scope to production.
Case studies
See what we've delivered for banks.
From digital banking and lending to legacy modernisation and complex integrations - see how we turn banking roadmaps into working technology.
POP Pankki Banking · Mobile
Building a mobile bank from scratch
A new digital banking experience supporting customer growth and a broader transformation of the bank.
Read more about Building a mobile bank from scratch
Bank BPH Banking
An M&A transaction between banks
Highly-secure online platform for servicing mortgage loans used by customers and bank employees.
Read more about An M&A transaction between banks
SaarLB Banking
Digital transformation in the bank
Process of going paperless and digitise credit approval process to improve its efficiency.
Read more about Digital transformation in the bank
Banking modernisation rarely starts with replacing the core. The real opportunity is often in changing how new products and services connect to the technology already underneath.
How we engage
Engagement models
From T&M and fixed-price projects to outcome-based and hybrid models, we match commercial structure and delivery ownership to your scope, risk and procurement requirements.
Time & Materials
Flexible capacity and expertise for evolving roadmaps where scope and priorities change over time. Best for: evolving products, long-term programmes and team extension.
Fixed Price
Defined scope, responsibilities, budget and delivery milestones where requirements are stable enough to estimate and commit. Best for: clearly scoped projects, MVPs and defined delivery packages.
Outcome-based
Commercial and delivery accountability structured around agreed outcomes rather than capacity alone. Best for: initiatives where success can be clearly defined and measured.
Managed Service
Ongoing responsibility for an agreed technology scope, service or capability, with defined governance and service expectations. Best for: capabilities requiring continuous delivery, maintenance and operational ownership.
Hybrid models
Combine engagement models as the programme evolves. For example, fixed-price discovery followed by T&M delivery or outcome-based components within a broader engagement. Best for: complex banking programmes where different workstreams require different levels of flexibility and commercial certainty.
Featured insight
Research and practical thinking for banking leaders.
Banking insights
Ideas for building and modernising banking technology.
Read more about Strategic management in mobile bankingArticle • Reading 30 mins
Strategic management in mobile banking
Read more about The free ride is over: The EU fintech single rulebook arrivesArticle • Reading 19 mins
The free ride is over: The EU fintech single rulebook arrives
Read more about PSD3 and PSR: an architectural reset for European digital paymentsArticle • Reading 30 mins
PSD3 and PSR: an architectural reset for European digital payments
FAQ
Frequently asked questions about banking software development
What banking software development services does Speednet provide?
Speednet designs, builds and modernises digital banking products and the technology behind them. Our capabilities include mobile and web banking, digital financial products, legacy modernisation, system integration, product and technology consulting, AI governance and AI-assisted software delivery. We can take ownership of complete projects or work alongside your existing technology teams.
Can you modernise banking systems without replacing the core?
Yes. Banking modernisation does not always require a core replacement. We can modernise customer-facing applications, integration layers, APIs, middleware and selected legacy components while maintaining connections to existing core banking systems. The approach depends on your architecture, dependencies and transformation roadmap.
Do you build and modernise mobile banking applications?
Yes. We deliver native iOS and Android applications as well as cross-platform banking apps using Kotlin Multiplatform and Compose Multiplatform. Our teams work across the full delivery environment, including backend integrations, security requirements, release processes and existing banking infrastructure.
Can Speednet integrate with our existing core banking and third-party systems?
Yes. Integration is a core part of our banking delivery work. We work with core banking platforms, payments, KYC and identity services, CRM systems, middleware, APIs and third-party providers, taking responsibility for integration as part of the wider product or modernisation initiative.
How do you work with security and regulatory requirements in banking projects?
We bring security, architecture and compliance requirements into delivery from the beginning rather than treating them as final release gates. Our teams work within the bank's existing governance, security and approval processes and adapt delivery practices to the requirements of the specific organisation and project.
How can banks use AI in software development without losing control?
Speedwave, our open-source AI SDLC framework, enables engineering teams to use AI-assisted development within controlled, context-aware and auditable workflows. It is designed to help regulated organisations improve engineering productivity while maintaining control over access, project context, human oversight and governance.
Can we engage Speednet for a complete project or individual specialists?
Both. Speednet can take end-to-end responsibility for a defined project, provide complete agile delivery teams or add individual specialists to your existing organisation. We support T&M, fixed-price, outcome-based, managed service and hybrid engagement models depending on scope, risk and procurement requirements.
How quickly can a banking delivery team start?
Depending on the required expertise, scope and onboarding requirements, delivery can be ready to start in as little as two weeks. We use the onboarding period to align teams with your technology landscape, security requirements, architecture, governance and ways of working.
Let's talk banking
What's next on your banking technology roadmap?
Tell us what you're building, modernising or trying to accelerate. We'll connect you with a senior Speednet expert who understands banking technology and can help define the right way forward.