fidorOS open digital banking platform

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Overview

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.

Key Features

  • 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

Key Benefits

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

Product/Service details

SOLUTION OR SERVICE TYPE
Customer Onboarding Systems, Middle & Back Office Systems, Omnichannel Customer Experience Platforms, Retail Banking Digital Channel Solutions, Retail Loan Origination Systems
Asset Class Coverage
Commodities & Energy, Foreign Exchange (FX), Money Markets
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