Mobile bank in 6 weeks
Own-brand iOS and Android app — Apple Pay, Google Pay, instant notifications, spending insights, member messaging.
Digital transformation, without the migration
Launch a mobile bank in six weeks. Offer current accounts on tap. Replace card terminals with Open Banking in-branch. All on rails we built and operate
Society Bank
Powered by KoodookaCurrent account · Member since 1962
£4,287.16
Available balance
Branch deposit
Pay-by-bank · instant
+ £1,200.00
Mortgage payment
Faster Payments
− £842.50
Apple Pay · Sainsburys
Today
− £24.18
£450bn
UK current-account deposits sitting outside building societies
40 of 43
building societies have no current account today
6 weeks
from kick-off to a live, branded mobile bank
Reality check
Members already have two banks
Yours, where their savings sleep. Theirs, where their life happens. Without daily banking, the relationship is asleep
- "We only see members when their fixed term ends."
- "Young professionals join us for a mortgage, then bank elsewhere every day."
- "We are becoming irrelevant to anyone under fifty."
- "Our deposits leave for ten basis points at the big banks."
The pressures you already feel
The board knows the forces. The stack hasn't kept pace
- Legacy systems
Dated platforms throttle delivery and lock change behind multi-year programmes.
- Digital lag
Members expect mobile-first, real-time journeys; the stack delivers tickets and forms.
- Transformation cost
Core replacement remains prohibitively expensive — high risk, high spend, low velocity.
- Demographic shift
Younger members migrate to challengers, threatening long-term membership.
- Regulatory burden
Mandatory change consumes the budget that should fund customer experience.
- Brand dilution
Past outsourcing decisions stripped differentiation and slowed time to value.
What you ship with us
A modern bank, in your name
Six capabilities, all production-ready, all under your brand
Current accounts on tap
Finally offer current accounts without the cost or regulatory weight. Tap into the £450bn UK current-account pool.
Open Banking in-app
PISP-powered pay-by-bank, account aggregation, top-ups and bill payments — instant, low-cost, SCA built in.
Open Banking in-branch
Replace card terminals for deposits, mortgage and loan payments. Pennies per transaction, instant settlement, no chargebacks.
Compliance handled
AML, KYC, KYB, PSD2, Open Banking, SCA — all included, all maintained, all audited.
Your brand throughout
Your products, your pricing, your terms, your colours. We are the rails — never the relationship.
The quiet win
Open Banking in-branch
Card terminals charge interchange, scheme and acquirer fees on every deposit, mortgage payment and loan top-up — typically one-to-three percent. Open Banking pay-by-bank routes the same payment over Faster Payments at pennies per transaction
Instant settlement. No chargebacks. No PCI scope. Customer SCA inside their own banking app. The savings show up in the operating P&L from week one
Card terminal
1–3%
per transaction · interchange + scheme + acquirer · T+1 settlement · PCI scope · chargeback risk
Open Banking
~p
pennies per transaction · Faster Payments rails · instant settlement · no PCI scope · no chargeback exposure
A branch taking £200,000 in card deposits per month at a 1.5% blended fee pays £3,000 to the schemes. The same volume on Open Banking costs roughly £40. Multiplied across a network, it is a meaningful operating saving — and a better customer experience
Four ways to deploy
Mix, match, or take the whole stack
Most partners start with one shape and grow into others. There is no rip-and-replace
Most popular
Own-brand app
Your bank, your app, our tech. A fully branded mobile app exclusively for your members. Complete customisation, direct relationship.
Marketplace
Listed on Moni
Place a branded current or savings account on Moni alongside other partners. Limited integration, instant audience, no marketing spend.
Modular
Cards & Open Banking
Issuer-processor cards, Faster Payments, account aggregation and PISP — fully managed or via API. Works alongside what you already run.
Branch tools
In-branch portal
Web portal for staff: account opening with modern AML/KYC, pay-by-bank deposit taking, member servicing — runs on any laptop in any branch.
How it works
Four steps. No transformation programme
- 01
Choose your shape
Own-brand app, Moni listing, modular components, branch tools — or any combination. We map to where you are today.
- 02
We handle everything
Infrastructure, compliance, cards, payments, OB integration, certification. Your team focuses on members and product.
- 03
Launch in weeks
Own-brand app live from six weeks. Branch tools live in days. No multi-year transformation programme.
- 04
Grow together
No upfront fees. Success-aligned commercials. We earn when you grow.
The stack
Meet NEXUS
No vendor chassis. No monolithic core. Koodooka is 57 Rust microservices with NEXUS — our own next-gen gateway — sitting in front. Lane prioritisation, per-lane auth, plugin extensibility, native agent support
- 01One instance, four surfacesMobile, web, admin and B2B traffic — single gateway, no fan-out.
- 02Traffic-lane prioritisationBranch staff routed ahead of consumer traffic. Predictable under load.
- 03Any OIDC provider, per laneFirebase, Entra and mTLS+HMAC running in production today. Plug in your own.
- 04Native + WASM pluginsExtend without forking the core. Sandboxed, hot-loadable, language-agnostic.
- 05Agent-native by designConsolidates upstream MCPs — agents discover and execute across the platform.
Talk to platform
For building societies, regional banks and specialist institutions ready to modernise without a multi-year programme
partners@koodooka.com · London