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BigTree108

Banking and lending software development services

Banking and lending software development for banks, credit unions, neobanks and lenders: digital banking apps, core banking integration with Temenos, Mambu, Thought Machine and Finastra, loan origination and servicing, credit decisioning, ISO 20022 payments, KYC and AML, and open banking APIs, built to the controls DORA and banking regulators ask for, with dedicated banking software developers for your team or a project delivered end to end.

What we build for banks and lenders

  • Digital banking apps

    Web and mobile banking for retail and business customers: onboarding, accounts, cards, transfers, statements and secure messaging, with strong customer authentication.

  • Core banking integration

    Channels, payments and products connected to Temenos, Mambu, Thought Machine, Finastra or an in-house core through its APIs and events, behind a layer that lets the core change without rewriting every channel.

  • Loan origination and servicing

    Applications, document collection, underwriting workflows, offers and e-signature, then repayment schedules, collections and restructuring, for consumer, SME, mortgage and buy now, pay later lending.

  • Credit decisioning

    Scorecards and decision rules that risk teams change without a release, bureau and open banking data in the decision, and every decision stored with its inputs for audit and explanation.

  • Payments and ISO 20022

    SEPA, SWIFT and instant payments with ISO 20022 messages, payment hubs and sanctions screening, and older message formats moved to ISO 20022.

  • KYC, AML and regulatory reporting

    Customer due diligence, transaction monitoring, case management and regulatory reports, fed from the core and the channels rather than from spreadsheets.

  • Open banking APIs

    PSD2 and PSD3 interfaces for account information and payment initiation, consent management, and the developer portal third parties use.

Hire banking software developers

  • Dedicated banking software developers

    Banking software developers who join your team full time, work in your tools and process, and report to your lead. You interview them; we carry the Ukrainian contract, payroll, invoicing and leave.

  • Banking software development projects

    A defined piece of banking software development with a scope, a fixed plan and a named lead on our side who owns the result and reports progress in your channels.

  • Ongoing banking software development

    Banking software development as a continuing service: the same people every month, a backlog you prioritise, and hours you can see in our portal and on the invoice.

The dedicated team page explains how specialists join your team, and the outsourcing page covers project delivery, take-overs and how we charge.

Who works on your banking software development

  • Backend engineers

    .NET and Java services, core banking and payment integrations

  • Mobile and front-end engineers

    Banking apps with strong customer authentication

  • Business analysts

    Products, lending rules and regulatory requirements

  • QA engineers

    Regression suites for products, payments and month-end runs

  • Data engineers

    Regulatory reporting, risk data and analytics

Change without risking the bank

Banking systems change alongside the ones that already hold customers’ money, so we work in small, reversible releases behind feature flags, keep the core as the system of record, and test every change against products, rates and edge cases taken from your rule book.

The audit trail, incident handling, recovery testing and third-party controls that DORA and your regulator ask for are built and evidenced as part of the work, not assembled before an inspection.

Other industries we build for

Industries overview

Questions about banking software development

Can you work on our core banking system?

Yes. Specialists in Temenos, Mambu, Thought Machine, Finastra and other cores join the programme where the work is inside the core, and our own engineers build the channels, integrations and reports around it through the core’s APIs and events.

Do your people need access to customer data?

Not by default. Build and testing run on non-production environments with masked or synthetic data. Where you decide someone needs production access, it is granted through your accounts and access controls, logged on your side, and removed when the task ends.

How quickly can banking software developers start?

When the right banking software developer is available, the start is gated only by your interview and the NDA and IP assignment. Otherwise we run a search, which typically produces candidate profiles within two to three weeks, and nobody starts until you have said yes.

How do we hire banking software developers through BigTree108?

Tell us the work, the seniority and the hours you need. We propose one or two people with their profiles, you interview them the way you would interview your own hire, and you sign one agreement with BIG TREE 108 LLC and receive one invoice a month.

Who owns the work they produce?

You do. Every specialist has a signed contract with BigTree108 that assigns all work product to the company, and our agreement with you assigns it onward. Code, designs and documents are delivered into your own repositories and tools, not kept where only we can change them.

Changing a banking or lending system?

Tell us the products, the core system and the work. You get an answer within one business day: candidate profiles or a plan for the work.

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