10 Most Popular Digital Banking Platforms In 2023


Digital banking platforms are financial services that are provided solely online, unlike traditional banking, that has both online and offline components. Digital finance relies on process automation and web-based services to offer a wide range of banking products and services across multiple channels. Some of the benefits of digital payment solutions are convenience, cost-efficiency, personalization, and innovation.


In this blog post, we will review 10 of the most popular digital banking platforms in 2023 based on their features, functionalities, and customer reviews.

digital banking platform

nCino Bank Operating System

nCino Bank Operating System is a cloud-based platform that enables financial institutions to onboard new clients efficiently by incorporating activities such as Know-Your-Customer (KYC), loan origination, and regulatory compliance in one platform.

The platform also provides financial institutions with a centralized view of risk and performance information across their portfolio, helping them to drive strategic decision-making and enhance operational efficiency by connecting stress testing, expected losses, asset/liability modeling, and more.

Finacle Digital Engagement Suite

Finacle Digital Engagement Suite is an advanced omnichannel solution that helps banks to onboard, sell, service and engage retail, small business and corporate customers. The suite offers a broad range of traditional, modern and emerging channel experiences to every type of user – end customer, bank staff, external partner and trusted third party.

The core promise of the Finacle Digital Engagement Suite is to enable banks to drive deeper customer engagements, openness and agility for innovation-led growth, and digital operational excellence. This is made possible by a unified engagement hub, a broad suite of digital experiences, industry-leading architecture, a robust ecosystem and experiences that are transformed from end-to-end.

Alkami Platform

Alkami Platform is a cloud-based solution for all digital-banking needs. The platform offers a market leading UX that rivals the most progressive neobanks combined with a data set that rivals the largest megabanks.

The platform enables banks and credit unions to adapt quickly to changing market needs, keeping their users more engaged and driving long-term growth for their institution. The platform also integrates with various third-party solutions and marketplaces to provide additional seamless payment methods and services.

Q2 Platform

Q2 Platform is a comprehensive digital banking platform that provides banks and credit unions with exceptional retail and business banking experiences through a highly-configurable SaaS offering that deepens engagement and drives growth.

The platform also offers data analytics and integrated marketing solutions that allow financial institutions to make data-driven decisions and personalize their offerings to every user. Q2 Platform supports various channels such as internet banking, mobile banking, open banking, digital wallet, alerts and notifications, social media banking, chatbot, call center, wearables, ATM and kiosk.

Appway Digital Banking

Appway Digital Banking is an AI photo editor, graphic designer and poster maker application for digital creators, small businesses, online sellers, ecommerce sellers and online resellers. Appway Digital Banking supports real digital transformation through intelligent process orchestration, enabling authentic human interactions across all touchpoints in the physical and digital worlds.

The platform offers extensive capabilities to design customer-centric processes leading to consistent cross-channel journeys. Appway Digital Banking also integrates with any core banking system or third-party application to provide a seamless and secure digital banking experience.

NETinfo Digital Banking Platform

NETinfo Digital Banking Platform is a comprehensive omnichannel solution that unifies multiple channels and creates a single, seamless banking service for retail, corporate and private customers. At the same time, the platform greatly enhances customer experience through in-built analytics and personalisation tools.

The platform offers a wide range of features and functionalities, such as internet banking, mobile banking, open banking, digital wallet, alerts and notifications, social media banking, chatbot, call center, wearables, ATM and kiosk integration.


Finflux is a cloud lending platform that offers all lending needs at one place. Finflux enables financial institutions to automate workflows across people, systems and data.

Finflux provides comprehensive capabilities ranging from core banking services to customer management, reporting, compliance & risk management. Finflux also offers alternative data-based credit scoring, marketplace integration, app-based lending, and dashboards.

NCR Digital Insight

NCR Digital Insight is a cloud-based digital banking platform that provides banks and credit unions with advanced, single-platform technology, exceptional customer experience, and continuous innovation.

NCR Digital Insight enables financial institutions to offer personalized solutions to consumers and businesses through various channels such as Internet banking, mobile banking, account opening, marketing and communications, data analytics, security & compliance, and account switching.


Blend is a cloud-native platform that streamlines the journey from application to close for any banking product. Blend empowers financial institutions to deliver frictionless and compliant experiences to their customers across the entire customer lifecycle.

Blend offers solutions for mortgage, consumer banking, deposit account opening, home equity, vehicle loans, and credit cards. Blend also integrates with various data sources and partners to provide a seamless and secure digital banking experience.


Velmie is a financial technology provider that has been on the market for more than 10 years, delivering back end, mobile and web solutions to enterprise financial institutions and entrepreneurs.

Velmie offers a neo-bank solution that meets the need for reliable and scalable digital banking services. Velmie provides solutions for retail banking, business banking, wealth management, payments, and digital wallets. Velmie also leverages artificial intelligence and blockchain technologies to provide innovative and secure digital banking solutions.

=> Watch More: What Is The Best Banking Solution In 2023


Digital banking platforms are essential for financial institutions to stay competitive and relevant in the digital age. They offer convenience, cost-efficiency, personalization, and innovation to both customers and businesses. The 10 cutting-edge financial technologies reviewed in this blog post are some of the most popular and advanced ones in 2023. They provide various features and functionalities to meet the diverse needs and expectations of different segments of the market.

If you are looking for a reliable and experienced partner to help you implement or improve your digital financial services, contact us today. We are SmartOSC, a global digital transformation agency that specializes in e-commerce and fintech solutions. We have helped many banks and financial institutions worldwide to achieve their digital goals and grow their business. We can help you too.