One Composable Platform for Digital Banking & Super-App Finance

Arkam unifies core banking, cards, wallets, lending and e-services on a cloud-native, API-first platform.

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Accounts & Wallets

Create and manage current, savings and wallet accounts in real time. Support multi-currency balances, instant posting and rich transaction history, with limits and controls you can tailor by segment and product.

Payments & Cards

Process domestic and cross-border payments, issue physical and virtual cards, and control limits, PIN, blocks and alerts instantly. Connect to existing schemes and payment rails through Arkam’s API-first integration hub.

Fees, FX & Accounting

Design tariffs once and apply them everywhere—fees, commissions, FX and interest. The multi-currency engine posts every event to the general ledger with full audit trails, giving finance accurate, real-time positions and reports.

Core Banking Products and Services

Everything you need to run modern accounts, payments, lending and revenue—on one composable core.

Arkam Technology

Arkam Core is built as a cloud-native, microservices-based platform on Kubernetes, designed for continuous availability, resilience and scale. It is API-first by design, making it easy to integrate with existing cores, payment rails and third-party FinTechs.

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Digital Banking Platform

Ready-made digital experiences for every segment, powered by the same composable core.

Retail Digital Banking

Offer mobile and web banking with digital onboarding, accounts, cards, wallets, P2P transfers and bill payment. Personalise journeys with data-driven offers, notifications and limits.

SME & Business Banking

Give SMEs a single workspace for approvals, payroll and bulk payments. Support multi-user access, roles and limits so finance teams can manage company money securely and efficiently.

Digital-Only & Neo-Banks

Launch new digital brands or propositions fast. Use low-code workflows and open APIs to experiment with pricing, bundles and features without disturbing your legacy core.

Telco & Super-App Financial Services

Embed wallets, airtime, eSIM, vouchers and payments into a single super-app. Integrate with existing OSS/BSS systems to add financial services without rebuilding your infrastructure.

Explore digital banking use cases

Trusted By

Organizations modernizing banking and payments with Arkam.

Featured Insights

Practical perspectives on architecture, security and digital banking innovation.

02/01/2026

The Composable Core: Launching Products Faster with Microservices

Separating services like Accounts, Payments and Cards into containerized microservices enables zero-downtime releases and faster speed to market

02/01/2026

Implementing Zero-Trust: Securing Your Digital Banking Channels

How Zero-Trust principles, API security and RASP-style protections protect mobile and web banking from evolving threats.

02/01/2026

Automating AML and KYC with an Integration Hub

Using Arkam’s Integration Hub and workflow engine to orchestrate KYC, AML and sanction screening at onboarding and during high-risk transactions.

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Arkam Platform at a Glance

Snapshot of the architecture, technology stack and regulatory alignment described in our technical documentation.

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20+

Domain Services

BCC Circulars Addressed

15+

Core Technologies

Cloud & On-Premises Ready

Frequently Asked Questions

Short answers to how Arkam Core fits into your architecture, security model and roadmap.

Is Arkam a cloud-only solution?

No. Arkam is cloud-native, not cloud-only. You can deploy on regulated public clouds, private clouds or on-premises infrastructure.

Can Arkam coexist with our existing core banking system?

Yes. A common approach is to deploy Arkam alongside your existing core and use it as a digital core for new products, brands or segments.

How fast can business teams launch a new product?

Specialized services across accounts, Our low-code product & workflow designer allows clients to configure & launch new or modified products in days or weeks, depending on complexity.

Interest Credit & Capitalization Aligned to Your Policy

Different products require different treatment of earned interest. Arkam supports configurable interest crediting and capitalization behavior so banks can align deposit products with policy and customer expectations—while maintaining consistent accounting entries and statement visibility.

Integration-First Delivery

Phased Rollout (Alongside Legacy Core)

Governance + Audibility Emphasis

See how Arkam Core fits your digital banking strategy

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