Digital Banking & Financial Technology

Building Technology for Next-Generation Digital Banking

Intellino designs, develops and integrates digital banking technology across core banking, Islamic finance, payments, compliance, AI and digital assets.

Platform Coverage
  • Digital Banking
  • Islamic Banking
  • Payments & Integration
  • Compliance Technology
  • AI & Automation
  • Digital Assets
  • API-First Architecture

What We Build

Intellino's role is technology: designing, developing and integrating the systems that digital banking runs on.

01

Digital Banking Experiences

Mobile · Web · Retail · Corporate

02

Banking Technology

Accounts · Products · Payments · Workflows

03

Integration Architecture

APIs · Payments · eKYC · Compliance · Third Parties

04

Emerging Technology

AI · Automation · Digital Assets

05

Implementation

Design · Develop · Integrate · Test · Deploy · Support

Digital Banking

Banking Technology Built for the Digital Era

Intellino designs and develops configurable digital banking solutions to support modern retail, SME and corporate banking operations.

01

Mobile & Web Banking

Digital banking experience across mobile and web channels.

02

Retail Banking

Account opening, payments, transfers and everyday banking journeys.

03

SME & Corporate Banking

Multi-user, multi-entity banking with approval workflows.

04

Account Management

Customer and account servicing across the product lifecycle.

05

Payments & Transfers

Payment initiation, transfers and transaction handling.

06

Bank Administration

Centralised administration and configuration for banking operations.

Core Banking

One Configurable Banking Architecture

Configurable banking architecture designed to support customer and account management, banking products, transactions, workflows, fees, limits and financial operations.

Fig. 01 — Core processing chain
01
Customer & Accounts
02
Products
03
Transactions
04
Fees & Limits
05
Workflows
06
Financial Integration
Islamic Banking

Islamic Banking Technology

Intellino's banking architecture can be configured to support Shariah-oriented banking products, structures and operational workflows.

Mudarabah
Wakalah
Murabahah
Tawarruq
Other Islamic Structures

Product structures and workflows are configured according to the financial institution's requirements, applicable regulations and Shariah governance framework.

Digital Assets

Digital Asset Integration

Our architecture is designed to support integration with digital asset ecosystems and approved third-party service providers.

01

Digital Assets

02

Custody Integration

03

Liquidity Integration

04

Blockchain Integration

05

Accounting & Reconciliation

AI & Automation

AI-enabled capabilities designed to enhance customer experience, operational efficiency and decision support.

Fig. 02 — Model surface
CHANNELS
AI LAYER
CORE DATA

AI Assistant

Conversational support for customers and banking users.

Digital Onboarding

Support digital onboarding and customer journeys.

Document Processing

AI-assisted document processing and information extraction.

Operational Analytics

Turn banking data into actionable operational insights.

Digital Onboarding & eKYC

Configurable onboarding workflows supporting customer application, identity verification, screening, review and account activation.

01

Digital Application

Application capture across digital channels.

02

Identity Verification

Identity assurance, biometrics and step-up authentication.

03

eKYC

Document and data verification.

04

Compliance Screening Integration

Integration with sanctions, PEP and watchlist screening solutions.

05

Review & Approval

Configurable review, approval and exception handling.

06

Account Activation

Account creation and activation into the banking platform.

Payments & Banking Connectivity

Integration architecture designed to support domestic and international payment connectivity.

Payment Rails

International Transfers

Correspondent Banking

SWIFT / CIPS Integration

Connectivity is subject to the financial institution's banking relationships, network participation and applicable approvals.
Compliance & Security

Compliance-by-Design

Our technology is designed to support financial institutions in implementing governance, security and regulatory requirements through configurable controls, workflows and integrations.

Compliance-by-Design06
  • AML/CFT
  • eKYC
  • Data Protection
  • FATCA/CRS
  • Shariah Governance
  • Security Controls
Security by Design06
  • Identity & Access Management
  • Multi-Factor Authentication
  • Data Protection
  • Audit Logging
  • Security Monitoring
  • DR / BCP
API & Integration

Built to Connect

API-first. Modular. Integration-ready.

Intellino's modular architecture enables banking services to connect with internal systems, third-party platforms and financial ecosystems.

Digital Banking Platform
API & Integration Layer
Banking Systems
Payment Networks
Fintech Partners
Compliance Providers
External Services

Multilingual Banking

Architecture designed to support multilingual digital banking experiences.

How We Deliver

From Requirements to Support

From requirements and solution architecture to development, integration, testing and deployment, Intellino works with financial institutions throughout the technology implementation lifecycle.

01
Discover
02
Design
03
Develop
04
Integrate
05
Test & Deploy
06
Support

Configuration Over Custom Development

Our modular banking architecture allows products, fees, limits, workflows and approval matrices to be configured rather than requiring extensive source-code changes.

Our Expertise

Our Technology & Delivery Expertise

01Solution Architecture
02Software Development
03Core Banking & Integration
04Islamic Banking Technology
05AI & Automation
06Digital Assets
07Security & Compliance Technology
08Implementation & Support
Capabilities

Banking Technology Capabilities

Where our technology and delivery experience sits.

Digital Banking Technology

Experience in the development and integration of digital banking infrastructure, workflows and supporting technology.

Capabilities
Digital Banking · Workflows · Integration

Banking Connectivity

Experience in the development of payment and international banking integration capabilities.

Capabilities
Payment Rails · SWIFT / CIPS Integration · APIs

Islamic Banking Technology

Experience in configuring banking technology to support Shariah-oriented products and operational workflows.

Capabilities
Islamic Structures · Product Configuration · Workflows
Let's Build

Build Your Next-Generation Banking Platform

Whether developing a new digital banking platform or modernising existing banking technology, Intellino provides the technology, architecture and implementation capabilities to support your digital banking journey.

Talk to Our Team

Tell us about your project and our team will come back to you shortly.

Get in Touch ↓
Our Offices

Visit Us

Malaysia
Intellino Tech Sdn Bhd

Menara Mudajaya, 12A, Jln PJU 7/3,
Mutiara Damansara, 47810 Petaling Jaya,
Selangor

+60 17 250 2791
Indonesia
PT Intellino Linen Management

Plaza Golden Fatmawati Blok J.8,
Jalan RS. Fatmawati Raya No. 15,
Gandaria Selatan, Kec. Cilandak,
Jakarta Selatan, DKI Jakarta 12420

+62 811 356 8261
Thailand
Intellino Tech Co., Ltd.

No.8, Soi Charansanitwong 85,
Bang O, Bang Phat,
Bangkok 10700

+66 89 293 5953