fidorOS open digital banking platform

fOS is a logic-embedded middleware engine powering a diversified financial ecosystem. It provides a faster, lower cost and lower risk alternative to a core replacement. It expedites a deep digital transformation of bank systems, and ultimately, business models and delivery culture. Its unique architecture was built around the user profile moving away from a product-centric approach.

• Front End Layer: ready-to-use, responsive, internet and mobile applications that can be quickly customised to mirror the client’s branding. Fully- integrated social media capabilities come as standard.
• API layer: includes the API adapters and an API Management system to fulfill any required tasks.
• fidorOS Modules: provide the core customer, account, payment and data management functions. Each module interacts in real-time, without the need to rely on the core banking system.
• A middleware layer: includes an Enterprise Service Bus that integrates with an existing core banking system or the Fidor existing core banking system.

Key Features:

• Video/Scan KYC on-boarding
• TouchID Secure Login
• Instant P2P payments via Fidor nickname, Social Media, Email or phone
• Transfers: SEPA, P2P, ACH Payments, country-specifi c
• Lending: fast loan and overdraft
• Community Management
• App Store / Marketplace
• Mobile top up
• Bonus program
• Card Management
• Front end Content Management System (CMS)
• Credit Scoring based on community
• STP - 60 second Banking
• Dashboards
• Push notifications
• E-Box
• Third party API integration

Beyond technology, Fidor Solutions brings invaluable knowledge of running and growing a bank from Fidor Bank's founders and their success team.

• consuting services
• time to market
• 60 seconds banking
• Open API architecture
• Deep customer engagement through online community
• tangible customer value
• revenue generating through platform model and marketplace
• pay as you grow
• bank as a service, on premises or cloud
• referenceable: award-winning banks