A digital banking AI development platform that doesn’t own your strategy

A digital banking solution lets banks, fintechs and credit unions build and run online and mobile banking services on pre-built infrastructure, rather than building from scratch.

Since their inception, digital banking systems have enabled organisations such as banks, fintechs and credit unions to offer online banking and later mobile banking services to their customers or members. For some financial institutions this eliminated the need for physical branches.

These platforms support everyday banking activities such as account opening, account management, fund transfers, bill payments and viewing account balances or detailed account statements. They connect the digital banking experience to the systems responsible for transaction processing, payment processing and the bank’s core operations.

Originally, digital capabilities would either be built custom in-house or through large enterprise platforms, requiring big scale digital transformation. These legacy systems have largely been superseded by the technological advancements of SaaS platforms, which made the same feature set available more affordably – and faster – for a wider range of organisations through the cloud. The drawback is their customisation options are limited.

In 2026, the industry is shifting again, and there is a possibility for digital banking platforms to live up to their name as platforms. The market has a real need for the same convenience and lower-price that SaaS offers, but also for independence – the capability to build freely on a platform, without vendor lock-in. This makes not only table-stakes digital banking accessible, but differentiation too.

It’s also increasingly important for platforms to be AI-ready. A platform is AI-ready if it exposes a bank’s customer journeys as reusable capabilities that any AI agent can use. This prevents the platform from requiring major changes when a bank wants to shift from entry level AI capabilities, like friction removal and information retrieval, to more developed AI capabilities, such as the ability to execute tasks on behalf of the customer.

We see AI as another interface to banking rather than another product category. We also believe it shouldn’t be tied to a vendor’s chosen model or predefined capabilities, so that banks don’t need a new platform every time technology, including AI, changes.

By exposing banking journeys as reusable capabilities, Plumery offers you a foundation that’s ready for today’s initial experiments with conversational AI as well as the more advanced agentic interfaces you’ll want to introduce over the coming years.

AI is also a core part of Plumery’s developer tools. You can fast track the building reliable customer experiences and integration into legacy systems with an SDLC that has access to all our knowledge and best practices for architecture.

The short answer is there are no limits to the banking services you can offer. 80% of customer journeys, common to all banks are included out-of-the-box in the platform.

The remaining 20%, the part that differentiates you, is yours to build. Our Services Fabric enables your developers, or partners of your choice, to build new services and customer journeys that might not exist anywhere else in the market. You have full ownership of your roadmap, raising your ability to take on both challenger banks and traditional banks - staying structurally ahead of your competitors.

A digital banking platform should provide the capabilities customers already expect: bank account management, lending, onboarding, multi-factor authentication, digital wallets, payments, deposits, real-time notifications and tools for building mobile apps and online banking services. This will help you create the basis for a convenient banking experience.

The exact requirements will vary between traditional banks, credit unions, fintechs and other financial institutions. Business banking may need cash-flow management and company controls, while retail banking may place more emphasis on savings accounts, budgeting tools and personalised services.

We would argue that the platform should also leave you free to connect existing systems, add new digital technologies and build across different digital channels. It should also be AI-ready, compatible with any AI model and able to allow AI to become a new customer interface for the digital journeys beneath your web and mobile experiences. Modern banking solutions should support your strategy, not define its boundaries.

Our platform is MCP-compatible, so you’ll always be able to use any model or agent – even the ones that aren’t yet on the market. Another key benefit is you won’t have to overhaul your underlying system to use a new agent.

Agnostic by design, our Digital Success Fabric can integrate with any core (including multi-core). It’s designed to decouple a bank’s core from its customer experience layer, so that both can operate independently. And if the core goes down there’s no disruption to a customer’s digital experience.

By decoupling from the core, you’re also making wider modernisation projects possible in less time, without customer impact. One bank was able to migrate to a new modern core, a new CRM and Plumery’s Digital Success Fabric in eight months, a project that would typically take 24 or even longer.

Plumery provides composable journeys for digital account registration, account opening and the management of current accounts, instant-access savings accounts and fixed-term accounts.

Customers can check account balances, review transaction histories, manage multiple accounts and transfer funds through web and mobile devices. Financial wellbeing journeys can also provide spending and cash-flow insights, transaction categorisation, automatic savings transfers, budgeting tools and proactive notifications.

These journeys can be used as supplied or adapted to provide customers with an experience that reflects your vision.

AI can improve customer satisfaction by removing friction, automating tasks for customers, providing personalised financial guidance, and helping customers discover the right products based on their context.

Exactly what AI can do will depend on the underlying architecture of a digital banking platform, for instance, whether AI can recommend savings products based on a customer’s description of what they need, or based on the customer’s accounts and activity, or whether it can set up regular deposits at the customer’s request.

A platform’s architecture will determine how much an agent can know about a customer, how many banking journeys an agent can perform on behalf of that customer, and whether it can take initiative to act independently (and responsibly) in that customer’s best interest.

Yes. Plumery separates digital experiences from the downstream systems that run the bank’s core business, allowing financial institutions to modernise progressively.

A bank might begin with mobile banking apps, online account opening or a particular service that currently depends on a bank branch. It can then consolidate digital platforms, connect new systems or replace legacy technology in stages.

Customers can continue using online banking services while changes take place in downstream systems. This reduces the risk of a single large transformation programme and enables banks to improve operational efficiency without disrupting services that already work.

Robust security needs to apply to the platform, its integrations and every customer journey.

Plumery supports identity and access management, multi-factor authentication and step-up authentication for sensitive banking activities such as transferring money or changing account details. Its observable architecture also helps teams monitor services and financial transactions across digital channels.