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Banking verified Verified Outcome TRL 9

Banking-as-a-Service Core Licensing

domain Client: UK Digital Bank handshake Provider: Internal (Engine) schedule Deploy: 2021-2024
93 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

The digital bank commercialized its own proprietary core banking software ('Engine') as a SaaS product, selling it to other banks and creating a non-interest revenue stream.

rate_review Analyst Verdict

"The ultimate validation of a tech-first banking model. By turning their cost center (IT) into a profit center (SaaS sales), they diversify revenue away from interest rate sensitivity."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Most digital banks struggle to achieve profitability relying solely on interchange fees and lending, especially given the high cost of customer acquisition. The bank had built a world-class technology stack for itself and sought a way to monetize that intellectual property beyond its own balance sheet.

psychology The Solution

The institution packaged its proprietary cloud-native core banking platform as a service called 'Engine'. It began licensing this platform to other banks (e.g., in Australia and Romania) who needed to launch digital brands quickly but lacked the engineering capability to build a modern stack from scratch.

settings_suggest Technical & Deployment Specs

Integrations
Various
Deployment Model
SaaS
Data Classification
Financial
Estimated TCO / ROI
High (R&D)
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Platform Scaling Medium Cloud architecture

trending_up Impact Trajectory

Audited value realization curve

Contracts signed with international banks Verified Outcome
Primary KPIDiversification of revenue mix
Audit CycleRapid deployment for client banks

policy Compliance & Gov

  • Standards: Global Banking Software
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for UK Digital Bank without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-430
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-430

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