Neobank Tech Stack Categories

Browse 14 essential categories with top-rated vendors. Each category includes curated providers validated by real reviews and technical assessments.

Phase 1

Licensing & Regulatory Advisory

Connect with companies to get licensed & meet banking regulations across your target markets.

18 Provider
Avg 4.0
Browse Provider

Top Providers

Mbanq
4.0 (4)
Deloitte
3.4 (80)
Kroll
2.8 (29)
Phase 1

BIN Sponsor Partners

Partner with established banks to enable FDIC insurance and banking infrastructure.

14 Provider
Avg 4.2
Browse Provider

Top Providers

Leadbank
4.2 (75)
Cross River Bank
2.8 (93)
Pathward
1.6 (21)
Phase 1

BaaS Platform Provider

Find an all-in-one banking infrastructure platform offering compliance, ledger, and API layers.

26 Provider
Avg 4.9
Browse Provider

Top Providers

Mambu
4.9 (12)
Marqeta
4.5 (2)
Solaris SE
2.0 (191)
Phase 2

Card Issuing Platforms

Find the right partner that supports debit and credit cards issuance through licensed BIN sponsorship programs.

18 Provider
Avg 4.6
Browse Provider

Top Providers

Galileo
4.6 (15)
Marqeta
4.5 (2)
Paymentology
4.0 (4)
Phase 2

Card Processing Partners

Browse providers to handle transaction authorization, clearing, and settlement for card programs.

21 Provider
Avg 3.5
Browse Provider

Top Providers

WorldPay
4.3 (5)
Adyen
3.2 (71)
Fiserv
2.1 (68)
Phase 2

KYC/ KYB Platforms

Discover providers offering KYC and KYB verification for customers and businesses.

56 Provider
Avg 4.3
Browse Provider

Top Providers

Jumio
4.3 (10)
Trulioo
4.3 (16)
Sumsub
3.4 (10)
Phase 2

AML Screening & Transaction Monitoring

Find companies delivering AML screening and transaction monitoring solutions.

23 Provider
Avg 4.4
Browse Provider

Top Providers

Nice Actimize
4.4 (27)
Unit21
4.3 (6)
Seon
4.0 (9)
Phase 2

Fraud & Risk Management

Connect with providers offering fraud detection for account takeover, card fraud, and payment risks.

61 Provider
Avg 4.2
Browse Provider

Top Providers

Sardine
4.4 (27)
Feedzai
4.7 (3)
Seon
4.0 (9)
Phase 3

Neobank/Fintech App Development

Find fintech app development companies specializing in financial services and banking UX.

72 Provider
Avg 4.2
Browse Provider

Top Providers

Appinventiv Technologies
4.2 (813)
Netguru
4.8 (58)
Dashdevs LLC
5.0 (11)
Phase 3

Backend/API + Integrations

Explore providers building core banking backends, APIs, and integrations.

1153 Provider
Avg 3.6
Browse Provider

Top Providers

Virtusa
3.6 (9)
Aspire Systems
4.2 (633)
Praxent
5.0 (5)
Phase 3

Fintech UI/UX Design

Find teams offering UI/UX design and product strategy for banking applications.

8084 Provider
Avg 5.0
Browse Provider

Top Providers

UXDA
5.0 (20)
Qubstudio
4.9 (40)
Clay
4.8 (23)
Phase 3

Fintech CyberSecurity

Browse providers offering end-to-end testing and security audits for banking applications.

68 Provider
Avg 4.6
Browse Provider

Top Providers

Palo Alto Networks
4.6 (78)
Crowdstrike
4.0 (4)
Fortinet
4.3 (27)
Phase 4

Digital Marketing + Advertising

Explore agencies offering growth marketing and advertising for fintech brands.

8084 Provider
Avg 5.0
Browse Provider

Top Providers

Fintech Digital
5.0 (12)
NoGood
4.6 (9)
Growth Gorilla
4.5 (8)
Phase 4

Customer Support

Find providers delivering customer support and BPO services for digital banking.

1225 Provider
Avg 3.9
Browse Provider

Top Providers

FirstSource
3.9 (949)
WNS
3.9 (1110)
Payreto
5.0 (11)

Get expert help with your neobank stack

Receive a tailored shortlist of vendors aligned with your requirements, budget, and development timeline.

Get Personalized Stack

How the Neobank Recipe Works

Understand the dependencies and relationships between categories to avoid compliance delays, rework, and integration issues.

1

Foundation Layer

Early infrastructure decisions shape your neobank. Sponsor banks, licensing models, and BaaS choices influence which vendors you can work with.

  • Licensing & Regulatory

    Determine your path (bank charter vs sponsorship).

  • Sponsor Bank Selection

    Select a bank partner with the right capabilities.

  • BaaS Platform Decision

    Integrated platform vs best-of-breed approach.

2

Compliance & Risk

Establish compliance and risk controls before launch to meet regulatory expectations and protect users from fraud.

  • KYC/KYB Implementation

    Identity verification for all users.

  • AML Transaction Monitoring

    Continuous screening and reporting.

  • Fraud Detection Systems

    Real-time fraud prevention & account security.

3

Product & Launch

Build customer-facing products and establish scalable operational capabilities for growth and support.

  • Mobile & Web Development

    Build customer-facing banking applications.

  • Card Issuing Setup

    Enable physical and virtual card programs.

  • Growth & Operations

    Marketing, support, and scaling infrastructure.

Key Dependencies to Understand

  • Sponsor Bank → Compliance Vendors

    Sponsor banks maintain approved KYC and AML vendor lists. Selecting your sponsor bank early simplifies compliance and onboarding.

  • Card Issuing → Processing Partner

    Card issuers such as Marqeta or Lithic often determine which processing partners you can use, due to exclusive or preferred integrations..

  • BaaS Platform → Integration Scope

    Full BaaS platforms like Unit and Synapse include ledger, compliance, and card issuing capabilities. Choosing one can significantly reduce the number of separate integrations required.

  • Region → Regulatory Requirements

    Licensing and compliance requirements vary across the US, EU, and APAC. Your target region determines which regulatory advisors and compliance vendors are needed.

Typical Timeline & Phases

Understand how long each phase of neobank development typically takes, including regulatory approvals, build, and launch.

Phase 1: Pre-Launch

3-6 months

Regulatory groundwork and partnership establishment

Regulatory Strategy (Month 1-2)

Work with regulatory advisors to define the licensing approach. Apply for required licenses or identify sponsor bank requirements.

️Sponsor Bank Partnership (Month 2-4)

Finalize sponsor bank relationships, complete due diligence, and establish program agreements.

️BaaS/Infrastructure Selection (Month 3-5)

Choose between an integrated BaaS platform or best-of-breed vendors and begin technical integration planning.

️Compliance Framework (Month 4-6)

Select and integrate KYC, KYB, and AML vendors from the sponsor bank’s approved list. Establish a baseline fraud prevention setup.

Key Milestones

  • Regulatory approval received
  • Sponsor bank contract signed
  • BaaS platform integration started
  • Compliance vendors approved
Common Delays
  • Regulatory approval timelines (2-4 months)
  • Sponsor bank due diligence (6-8 weeks)
  • Compliance vendor approval process
  • Legal contract negotiations

Phase 2: Build

4-8 months

Product development and system integration

Backend Development (Month 1-5)

Build the core banking backend, integrate BaaS APIs, implement the ledger system, and establish data architecture.

Mobile App Development (Month 2-6)

Build iOS & Android applications, implement biometric authentication, and security features with UI/UX specialists.

Card Program Setup (Month 3-6)

Integrate card issuing and processing partners. Design physical and virtual cards and complete BIN sponsorship setup.

Security & Testing (Month 5-8)

Conduct compliance testing, penetration testing, security audits, and end-to-end QA across all systems.

Key Milestones

  • API integrations completed
  • Mobile apps submitted to app stores
  • Card designs approved
  • Security audits passed
Common Delays
  • API integration complexity (2-3 months)
  • App store review timeline (2-4 weeks)
  • Card manufacturing lead times (6-8 weeks)
  • Security testing iterations

Phase 3: Launch & Growth

Ongoing

Market entry and scaling operations

Soft Launch (Month 1-2)

Run a limited beta with selected users. Monitor system performance, collect feedback, and iterate on UX issues.

Customer Support Setup (Month 1-3)

Establish support operations with a BPO partner. Implement chat, phone, and email support channels.

Marketing Launch (Month 2-4)

Execute the go-to-market strategy and begin user acquisition campaigns with digital marketing partners.

Scale Operations (Month 4+)

Monitor fraud patterns, optimize compliance workflows, expand support capacity, and iterate on product features.

Key Milestones

  • Beta launch successful
  • Support team fully operational
  • Public launch announced
  • First 1,000 customers acquired
Growth Metrics to Track
  • Customer acquisition cost (CAC)
  • Fraud rate and false positives
  • Customer support ticket volume
  • App store ratings and reviews
Total Time to Launch: 7-14 Months

Timelines vary based on regulatory complexity, technical scope, and available resources. Using a BaaS platform can reduce launch time by 2–4 months compared to building from scratch.

Vendor Selection Checklists

Critical questions to ask and red flags to watch for when evaluating vendors in each category.

Questions to Ask

What is your approved vendor list for KYC/AML/fraud prevention?

How long does your due diligence and approval process take?

What are your program fees and revenue share requirements?

Do you have experience with similar fintech programs?

What are your monitoring and reporting requirements?

Red Flags

Unclear or frequently changing compliance requirements

No prior experience with fintech or neobank partnerships

Excessive revenue share expectations (above 20%)

Highly restrictive approved vendor lists that limit flexibility

What Good Looks Like

Established fintech program with 10+ active partnerships

Clear and well-documented compliance requirements

Reasonable and transparent fee structure (5-15% revenue share)

Approved vendor list with preferred vendor choices

Questions to Ask

Which services are included, and which require separate vendors?

What is your API uptime SLA and historical performance?

How long does integration typically take for programs similar to ours?

What are your pricing tiers and transaction costs?

Do you provide a sandbox environment and developer support?

Red Flags

Poor API documentation and limited developer resources

History of extended outages or reliability issues

Opaque pricing model with hidden fees and charges

Limited customization requiring workarounds for basic features

What Good Looks Like

API uptime SLA of 99.9% or higher

Comprehensive API documentation

Active developer community

Transparent pricing

proven integration timeline of 8-12 weeks for similar programs

Questions to Ask

What is your Verification Pass Rate (VPR) & average completion time?

Which countries and document types do you support?

How are failed verifications and manual reviews handled?

What is your pricing per verification check?

Do you provide ongoing monitoring and re-verification?

Red Flags

Low pass rates (<80%) indicating overly strict verification

Slow verification times (>5 minutes for automated checks)

Heavy reliance on manual reviews, leading to onboarding delays

Lack of certifications or compliance with regional regulatory standards

What Good Looks Like

Consistently high pass rates with low false positives

Automated verification completed in under two minutes

Broad geographic and document coverage

Transparent, predictable pricing

Support for ongoing monitoring and periodic re-verification