Digital Banking

Digital banking solutions

for customers of the future

Leading banks and financial institutes are broadening and diversifying their products and services to meet the changing needs of their clients. This includes investing in customer-facing, cloud-based digital innovations and creating unexpected new ecosystems that serve a broad suite of customer needs. Joining the already-fierce competition are big tech, armed with deep pockets, cutting-edge technologies and loyal audiences.

SmartOSC has been working with leading financial institutions since 2006, alongside development teams and partners to create highly adaptable and intuitive data-led solutions. We help transform customer experiences, security, and product innovation, giving you peace of mind while you adapt to a rapidly changing landscape with ease and on time. We generate trusted, unified ecosystems, and support organizations to digitalize their capabilities, assets, and channels so that they can achieve their business goals faster.

SmartOSC Highly Acclaimed for Outstanding Platform Implementation at the Digital CX Awards 2024

SmartOSC received the recognition in the Vendor category for its outstanding digital implementation capabilities, helping to reduce implementation costs by up to 60%.

SmartOSC Takes Spotlight As Outstanding Execution Partner At Backbase ENGAGE Asia 2024

SmartOSC has played a key role in accelerating their digital transformation and setting new standards for banking innovation in Vietnam and across the APAC region.

SmartOSC Facilitates OCB’s Launch of OMNI 4.0 App

OCB OMNI 4.0 has set a new standard in the digital banking sector with features that meet the immediate satisfaction, speed, and convenience needs of Vietnamese consumers.

SmartOSC Wins Gold for Fintech Services and Solutions

SmartOSC has been announced as a gold winner for IT Solutions for Financial Services at the 18th annual Globee Information Technology Awards 2023.

Digital Onboarding

Our solutions help to remove online account-opening roadblocks so that you can get new customers up and running quickly.

Digital Banking

We design best-in-class functions to help your bank integrate digital channel adoptions, be available at every touchpoint, invite new customers, and boost retention.

Digital Lending

From personal loans, auto loans, SME loans, and more, we enable intuitive, fast and risk-free funding opportunities.

Core Banking

Our integrated, efficient, and reliable core banking solutions give banks complete control to build and run any financial product or payment scheme they want with maximum flexibility and power.

Why SmartOSC?

Our complete, ready-to-go solution lets you

Localize world-class banking experience

With access to the world-class excellence of Backbase, Temenos, Thought Machine, Facetec, CRIF and more, SmartOSC has solutions tailored for each local market and bank's needs.

Boost cost efficiency

With an experienced team in digital banking platforms and proven case studies across the region, our customers can reduce implementation costs by up to 60%.

Optimize time-to-market

By using our out-of-the-box banking modules, banks can shorten their time to market when going digital by implementing their first MVP within four months.

Lead with deep banking expertise

Our comprehensive understanding of the banking landscape, forged by a team of industry veterans enables solutions that seamlessly integrate with your existing infrastructure.

Try Our Engagement Banking Solution

Move from outdated legacy roadblocks to simplified engagement in the blink of an eye

SmartOSC’s Engagement Banking serves all business lines

Our solution is a catalog of pre-built banking modules that can be mixed and matched on-the-fly to build a bank while minimizing implementation risks.

Regardless of your business lines: Retail Banking, Business Banking or Wealth Management, get ready to transform siloed banking channels, reduce market risk, and continuously enhance the customer experience with our pre-built features.

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Talk to our experts

Explore our own Engagement Banking Solution

Engagement Banking is the giant leap that banks and credit unions have been waiting for – a solution to leave vertical silos, point solutions, and fragmented journeys behind and lead in the new era of banking.

Localize world-class banking experience

Help banks thrive in the modern financial and business environment

With access to the world-class excellence of Backbase, SmartOSC has solutions tailored for each local market. SmartOSC is also partnered with industry leaders such as Facetec and CRIF.

Boost cost efficiency

Improve the efficiency of your organization, support business growth

With an experienced team in digital banking as well as platforms, and proven case studies across the region, our customers can reduce implementation costs by up to 60%.
optimizing the digital experience.

Optimize time-to-market

Companies can start generating revenue from their products sooner

By using our out-of-the-box banking modules, banks can shorten their time to market when going digital by implementing their first MVP within four months.