Your new savings proposition - live in weeks and without infrastructure replacement
The Digital Savings Platform combines the cloud-native BANCOS Core Banking system with VeriPark’s AI-powered digital customer experience suite built on Microsoft technologies: a lean platform that covers the entire customer lifecycle – designed for banks looking to bring retail deposit products to market quickly and scale them up. The system runs in parallel with your existing infrastructure on a state-of-the-art cloud stack with low operating costs.
How you benefit with the Digital Savings Platform
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Live in a few weeks
The technological foundation to ensure your instant or fixed-term deposit products reach the market quickly.
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Low, transparent costs
A pricing model that scales with your business – not ahead of it.
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Best-in-class customer experience
Customer onboarding and online account management for seamless processes.
With the Digital Savings Platform, two established specialists in the field of banking software provide you with a perfectly integrated solution: BANCOS core banking system handles all the necessary back-end processes, whereas VeriPark’s solutions ensure a seamless customer experience at every touchpoint.
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Cloud-native Core Banking
Operates independently alongside existing IT infrastructure
The roll-out and use of the Digital Savings Platform is based on a ‘sidecar approach’. The new savings product operates in parallel with, and independently of, your existing system landscape. This dramatically reduces implementation risk and shortens the time to market.API-first integration and aggregation via data lake extraction
All integrations are carried out via modern, open APIs. Internal systems and external services, such as Know-Your-Customer services, can be easily connected. Data is delivered directly into a data lake infrastructure, making it available for analytics, reporting and AI applications.Cloud-native, optimised for Microsoft Azure (other cloud providers to follow)
BANCOS Core Banking is cloud-native from the ground up and relies on open standards and open-source components – e.g. PostgreSQL as the database, Kubernetes for operations, and Terraform for infrastructure-as-code. The current offering is optimised for cloud operation in Microsoft Azure, with support for further cloud providers to follow.Full compliance with German regulatory requirements
Regulatory expertise to ensure your savings products are fully compliant. -
AI-Powered Customer Experience Suite
VeriPark delivers the digital customer experience layer of the platform, through which depositors open accounts, manage their savings, and move funds, along with the compliance workflows that run alongside the customer journey.
Digital onboarding with integrated KYC
A complete digital account opening flow takes depositors from application through identity verification, KYC checks, and consent collection to a deposit-ready savings account.CASA account support
The platform is pre-configured to support both current and savings account out of the box. Your savings proposition runs on account infrastructure purpose-built for CASA, reducing configuration effort and accelerating time to market.SEPA Instant payment processing
Customers can transfer funds in real time through SEPA Instant, integrated within the VeriPark customer experience layer, which is increasingly the baseline expectation for eurozone deposit products.Automated sanctions screening
AML, PEP, and sanctions checks are built directly into the digital onboarding flow, enabling faster, smoother, and more compliant deposit account opening.
Pricing
A simple, transparent model with low upfront, then usage-based pricing.
Scales with your deposits book, not ahead of it.
VeriPark's AI-Powered Customer Experience Suite is built on Microsoft technologies.
