ApPello’s digital Core Banking System (CBS) incorporates broad set of functionalities. This standalone cloud based, low code solution caters for current accounts, deposits, lending functionalities and ApPello Digital Platform.

Product Details

The CBS is pre-integrated ApPello Digital Lending Platform – Onboarding and Lending Portal, Loan Origination, Decision Engine, Loan Management, Collateral Management and Debt Collections Systems provides a complete front to back system. The CBS is pre integrated to various third-party solution i.e.: payment hubs, card management tools, and more…

Digital Core Banking System is scalable to fit your business requirements across retail, SME and large corporate clients. ApPello offers its Digital Core Banking both as SaaS and on-premise. The product set is cloud agnostic and can leverage AWS, Azure or Google Cloud native technologies which will offer clients a range of competitive advantages.


Cloud-ready and delivered as SAAS or on-premise

Rapid configuration with Low Code Digital Platform

Flexibility - Enables configuration over customization

Extendible with any other ApPello digital lending products and 3rd party components

Cost Reduction - Minimal customization, integration and bespoke development team

Improved customer relationship - Focus on the front-end experience

core banking toolset

ApPello Core Banking System helps to reach the business goals, so ApPello Digital Lending Platform is the ideal choice. Thanks to the microservice based architecture ApPello’s core banking solution can easily support any agile product and business development approach.

The system supports current accounts, loan accounts, loan origination processes, loan risk management and collection. ApPello Core Banking System is delivered with optional front office: ApPello Customer Portal where the front-end experience matters the most to provide the best customer onboarding and digital channel experience. Also optional Mid- and Back-Office modules for Loan & Account Origination, Decision Engine, Collateral Management and Collections.

The modules are loosely coupled and can be deployed as and when needed. The solution exposes open APIs to easily integrate with 3rd party systems both existing bank applications and other FinTech providing banking services such as KYC, Reporting. ApPello CBS is an advanced toolset for a smooth, customer-oriented banking experience. Optimise your operations with our modern CBS and manage your risks and compliance effectively at the same time.

We made our Digital solution complete with the best of breed solution of our ecosystem partners. We pre-integrated our platform with various (approximately hundred) solutions which helps you to configure your solution according to your business needs and preferences.

Operational cost

ApPello’s Core Banking System is cloud agnostic and uses the elasticity of the chosen cloud platform to deploy on demand rather than a fixed capacity. Whilst we still fully support traditional on-premise installations, the cloud native capabilities of ApPello’s Core Banking System help its clients realise even greater benefits from cloud deployments.

ApPello’s Core Banking System is built on ApPello’s Digital Platform, making it a very flexible core banking system with minimal customisation, integration and bespoke development resulting in lower maintenance costs.

Speed up

ApPello’s Core Banking System can be configured to your specific needs without the need for additional customisation and development using a low code intuitive interface to design, build and maintain holistic business products and processes.

Using open APIs and a rapid implementation approach ensures you are not developing or maintaining code every time you integrate. Low code configuration and ease of integration with open API the time to market is dramatically reduced.

Leveraging cloud deployment our clients move to a continuous delivery model, where speed-to-market is accelerated and upgrade cycles shortened.

operational efficiency

The system functions can be easily incorporated into the workflow. We have made workflow configuration very easy with drag-n-drop capability, using which you can design or completely re-design your flows within hours. You can easily measure your effectiveness such as product take-up with built-in dashboards and reports. The workflow engine can be used by the business users to define and maintain workflows even across different business modules.

Digital Platform

The solution is based on the ApPello Digital Platform that offers rapid low code development, automation with advanced workflow engine, easy and seamless integration into the banking environment. With the use of our Digital Platform, financial institutions can seamlessly connect to other ApPello solutions family and/or also plug-n-play third-party applications such as payment hubs, treasury, card management systems or any other services which can accelerate your business.

Flexible features of ApPello’s Digital Platform enable our clients to continuously fine-tune business rules/process flows, and optimized UX with drag-n-drop screen builder. Advanced users can set up and maintain workflows, configure business rules and screens, and modify page layouts themselves. Enhancing your product portfolio has never been so easy – you can configure a new product, run the necessary tests and launch new products in days rather than months. This innovative, flexible and unified set of products will help your company face the current and future challenges of the turbulent banking world.


Banking customer experience as well as internal staff user experience require an omnichannel mindset and toolset. We designed our solutions with mobile devices and other corporate channels in mind. This means our core banking solution is easy to set up with any imaginable digital interface. Updating your staff’s daily routine and workflows, CBS can be set up on the bank’s restricted, verified in-house mobile devices.


You might also be interested in our other lending solutions


ApPello Loan Origination Solution is designed for banks and financial institutions to manage lending processes of unsecured retail loans.

automates end-to-end loan lifecycle processes from creation of loan products to disbursements
until termination. The platform built on a state of the art technology to manage simple retail to complex corporate loans. 

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