Challenge
Small and mid sized banks face a difficult reality: customers expect modern digital experiences, yet many of these institutions lack the internal IT capacity to design, build, and maintain them. To stay competitive, the client wanted to offer a ready to deploy digital banking product that banks could adopt immediately without investing in large internal teams.
The goal was to design a flexible white label solution that supports everyday B2C banking needs such as payments, deposits, account and card management, and transaction history. The product also needed to comply with WCAG 2.1 AA accessibility standards and offer a guided experience to help users understand operations without contacting support.
Our Approach
We focused on structured discovery, modular architecture, and accessibility from day one.
Product and Design
User research and accessibility-first prototyping
- Conducted stakeholder interviews and user research to define the essential flow set
- Prototyped mobile first experiences and validated usability and clarity
- Embedded accessibility across all screens from the earliest design stages
Development and Stack
Secure, scalable, and brandable architecture
- Built a secure and scalable frontend using React and TypeScript
- Supported by a modular Node.js backend with NestJS
- Designed a theming engine so each bank can apply branding without altering product logic
Guidance and Accessibility
AI-powered assistance and WCAG compliance
- Added a built in assistant using Azure OpenAI to explain features and guide customers
- Combined automated accessibility scans with manual testing to meet WCAG 2.1 AA
- Included keyboard navigation and high contrast support
Solution
The result is a configurable white label digital banking suite that banks can launch quickly and adapt visually through a flexible branding layer. Built as a modern web application, it works seamlessly across mobile and desktop environments while maintaining strong security, performance, and accessibility.
The platform covers the most important B2C banking operations and includes an integrated assistant that helps users navigate key tasks, reducing the need for human support. Accessibility was part of the product DNA from the earliest design stages, ensuring inclusivity for users with diverse needs.
Key Capabilities
The suite enables banks to:
- View and manage accounts with real time balances
- Open and maintain deposit accounts
- Perform payments and transfers with intuitive routing
- Review card transactions and adjust usage limits
- Browse transaction history with filtering and search
- Receive guided explanations for complex operations
- Enable high contrast mode and full keyboard navigation
- Apply custom branding without redeploying the system
Why It Matters
This case demonstrates how smaller financial institutions can deliver modern, intuitive, and accessible digital banking experiences without maintaining full scale IT teams. It reflects Excality’s strengths in AI enhanced MVP development, accessibility driven design, and high quality software delivery in regulated industries.
By uniting guided interactions with strict accessibility compliance, the Smart Banking Suite for SMEs proves that innovation and inclusivity can be delivered together, enabling small banks to compete confidently in a rapidly evolving digital market.