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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Core Banking Products & Services
Everything you need to run modern accounts, payments, lending and revenue on one composable core.
Book a Live DemoAccounts & 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.
Lending & BNPL
Launch personal loans, salary advances and BNPL plans with configurable pricing, schedules and rules. Automate decisioning, collections and rescheduling workflows while keeping risk and finance fully in the loop.
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.
Trusted By
Organizations modernizing banking and payments with Arkam.
Arkam Platform at a Glance
Snapshot of the architecture, technology stack and regulatory alignment described in our technical documentation.
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Trust User Worldwide
Reference stack including Kubernetes, Docker, HAProxy, RabbitMQ, Redis, SQL Server, PostgreSQL and more, designed for resilience, performance and observability.
15+
Core Technologies
Designed to run on regulated public cloud services or on-premises infrastructure, so banks can comply with local regulations without compromising on architecture.
Cloud & On-Premises Ready
Specialised services across accounts, payments, lending, cards, eSIM, bills, reporting and administration, each independently deployable as part of the microservices landscape.
20+
Domain Services
2 BCC Circulars Addressed
IT and security controls aligned with BCC requirements, including Circular 222/2010 and Circular 272/2011.
Frequently Asked Questions
Short answers to how Arkam Core fits into your architecture, security model and roadmap.
No. Arkam is cloud-native, not cloud-only. You can deploy on regulated public clouds, private clouds or on-premises infrastructure.
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.
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.
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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See how Arkam Core fits your digital banking strategy
Phased rollout (alongside legacy core)
Integration-first delivery
Governance & auditability emphasis
