Core banking stack
BankingLab presents a full-stack SaaS banking platform for customer accounts, payments processing, card issuing, loans, deposits, and API-delivered access across web and mobile channels.
Ecosystem
BankingLab is the SaaS banking and BaaS technology layer within the broader ecosystem.
It provides the software stack behind accounts, payments, cards, onboarding, and related financial infrastructure, extending the ecosystem beyond end-user products into reusable technology for other operators.
Platform
BankingLab gives the ecosystem a dedicated software and processing layer.
It extends the ecosystem beyond customer-facing services into the software and processing stack used to launch and run them.
Payments and account rails
Published product materials reference SEPA credit transfers, SEPA Instant, SWIFT, TARGET2, bulk payments, private and corporate IBAN accounts, virtual IBANs, and foreign-exchange support.
BaaS and embedded-finance delivery
The broader stack is structured for Accounts-as-a-Service, Payments-as-a-Service, and Cards-as-a-Service, giving financial businesses a path to launch or extend products without assembling each component independently.
Digital-asset adjacency
BankingLab materials also describe crypto wallet and exchange components alongside payment infrastructure, showing that the wider ecosystem combines digital-asset workflows with broader financial operations.
Delivery Signals
Measured operating data indicates software depth and commercial use.
These figures provide a clearer view of capability and operating progress and do not imply consolidated financial reporting by Finalify Ltd.
EUR 67B+
processed across BankingLab in the full year 2025
18M+
transactions in 2025
10+
fintechs and banks using BankingLab Core
2
principal card-network memberships for issuing and acquiring
160
production upgrades released across clients during 2025
Operating Progress
Operating progress is visible alongside product breadth.
These operating indicators show scale, release discipline, and platform maturity in concrete terms.
Processing scale
BankingLab reported more than 67 billion euros processed across the full year and more than 18 million transactions during 2025, showing that the platform was operating at meaningful scale across accounts, payments, and related financial workflows.
Release quality
BankingLab delivered 160 production upgrades across clients in 2025, up 11% from the prior year, indicating an active release program sustained across multiple production environments.
Support and operations
Average customer-query resolution time improved by 21% year on year despite roughly 400% growth in ticket volumes, showing that support operations kept pace with broader platform use and change activity.
Architecture and security
BankingLab materials describe a modular platform built around BankingLab Core and its Payment Orchestrator, alongside stronger business continuity and backup testing, transaction review tooling, app-based verification controls, DORA and GDPR compliance, and ISO 27001 and PCI DSS compliance for regulated financial operations.
Operating Implications
BankingLab adds a distinct software and BaaS layer to the ecosystem.
- The ecosystem includes a dedicated software and infrastructure layer as well as customer-facing services.
- The BaaS layer covers accounts, onboarding, payments, and cards as reusable building blocks.
- The platform supports both in-house delivery and third-party use through modular, API-driven architecture built around BankingLab Core and its Payment Orchestrator.
- Operating progress is visible in throughput, availability, release cadence, and support performance.