Why Qubika
Discover what makes us different
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Financial services
Expertise in core banking, BaaS integrations, payments, and GenAI-enhanced financial solutions.
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Healthcare
People-centric healthcare design and solutions, from virtual care, integrations, to smart devices.
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Insurance
Modern solutions including self-service, on-demand, and algorithm-driven personalization.
We’re purposefully shaping the digital future across a range of industries.
Discover some of our specific industry services.
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Building modern financial services
Our expertise ranges from building core banking and payment systems to implementing robust security and fraud prevention measures, to ensuring compliance with regulatory standards.
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Our work in action
Our client with 3 million+ customers & 1 million+ issued credit cards released a machine learning driven credit assessment to quickly & accurately assess the credit worthiness of customers.
We developed proprietary & used existing machine learning models to dig into metrics including credit bureau reports & transaction data.
This has resulted in
- Reduced default rates.
- Improved cash flows.
- Enhanced customer experience with personalized assessments.
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Our work in action
Our client’s vision was to provide an all-in-one financial experience, offering debit cards, bank accounts, credit services, and a budgeting app in one easy-to-use mobile platform.
Our team worked to build the app from scratch using React Native.We integrated complex and diverse banking features into the app, while ensuring ease of use, high performance, and robust security.
Outcomes achieved
- A 4.7 App Store ranking from 20,000+ people.
- A visually stunning & intuitively navigable user interface across different services, all within the app.
- Enhanced app performance & smooth user experiences.
- Streamlined & efficient app development process.
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Our work in action
Our client that boasts 28 million+ customers, and is one of America's most renowned financial institutions, is redefining modern banking.
They’re providing all the modern financial services people expect today, such as being able to transfer money, pay bills and more, online or on your phone— without a physical bank.
To achieve this, Qubika brought together a set of digital banking technology services, including
- Integrating the financial API, Galileo, to ensure robust and versatile financial data interactions.
- Development of a sophisticated system for managing account balances and transactions, crucial for real-time data processing and accuracy.
- Design of an RDF Processor System to enable the aggregation and refinement of data from diverse sources into a unified, reliable database.
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Core banking modernization
- Omnichannel banking services. Our modern approach to building high quality digital solutions leads to seamless and consistent banking experiences. We map and optimize customer journeys.
- Next-gen digital wallet solutions & payment gateways. Seamlessly integrate the most secure, scalable payment gateways to offer smooth transactions for your customers. We also have deep expertise in building bespoke digital wallet and contactless card solutions.
- Scalable and secure architectures. Adapt to growing customer bases and transaction volumes with systems that scale effortlessly. We focus on cloud-native infrastructures, including automated infrastructure provisioning with infrastructure-as-code.
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BI, data and AI-driven banking
- Data pipeline development. We specialize in crafting data pipelines, modernizing platforms, and seamlessly migrating systems. These data pipelines form the basis for providing everything from personalized banking experiences to AI-driven fraud detection.
- Real-time analytics. Harness the power of instantaneous data analysis, enabling your organization to make swift, informed decisions – for example to drastically reduce operational costs.
- GenAI implementation. Integrate Large Language Model (LLM) specialized modules to build the next generation of financial services. We build LLM agnostic solutions to ensure long-term sustainability and adaptability.
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Open banking & API integrations
- Seamless BaaS platform integration. We specialize in integrating with banking-as-a-service platforms, providing options for modern banking functionality.
- Integrations with credit bureau platforms. Integrations with credit bureau platforms. We have expertise integrating with some of the world’s best known credit bureaus.
- Real-time transactional ledger consolidation. We empower decision-making with real-time consolidation of transactional ledgers, providing a comprehensive view for smarter, faster decisions.
- Expertise in complex microservice architecture. Our experience in building microservice architecture integrations translates to robust, scalable solutions tailored to specific business needs.
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Banking compliance and cybersecurity
- Streamlined compliance automation. Leveraging DevSecOps, we empower organizations to meet compliance and regulatory standards, with automation at the core.
- Consistent and traceable CI/CD pipelines. We ensure consistency in deployment processes, with auditable trails that guarantee reliability and adherence to industry standards.
- Design & architecture of systems for financial regulations. Our approach in designing and architecting systems is focused on a deep understanding of regulatory requirements.
What our clients say about us
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“For us they are not just a software provider, they are a trustworthy partner with high level technical knowledge that provides value through innovative technical solutions”
Javier Martinez
CTO, Bancard
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“They are behind the most important channel for BCP – the one that’s responsible for 90% of transactions.
This gives a sense of the importance of the relationship and our trust in them.
The expertise and skills of their team has been instrumental in helping us make the shift to become a truly digital bank.”Christian Cervero
Head of alternative channels and digital solutions, BCP
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“They’re the highest-quality development firm I’ve ever worked with. I can firmly say that they have provided excellent service.”
Abe Matamoros
Co-Founder, Elliegrid
Meet with our team and discover our extended portfolio
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Success Stories
Reinventing Avant with machine learning
Avant, a Chicago-based frontrunner in the financial technology sector, has always recognized the potential of harnessing data-driven intelligence - they currently connect 3 million customers to $9 billion in loans and 1 million credit cards. Qubika is partnering with Avant to drive their data and machine learning initiatives.
Our work includes implementing new data pipelines, and using AI to drive innovation in key business areas, such as rapidly assessing a person’s credit worthiness. -
Success Stories
ONE’s partnership with Qubika to become one of the world’s leading fintechs
ONE's vision is to provide an all-in-one financial experience, offering debit cards, bank accounts, credit services, and a budgeting app in one easy-to-use platform. With over two million users, they are also being integrated into Walmart’s physical and digital channels.
Our partnership spans across key business and technology areas, from building a powerful mobile experience to transforming the development lifecycle from ideation to delivery. -
Success Stories
Building Experian’s core digital banking platform
With clients in over 100 countries, and over 21,000 employees, Experian is at the forefront of global information and financial services.
Experian is relying on Qubika’s data and financial expertise to build new financial services products at scale. This work involves massive scale integrations including banking-as-a-service integrations. We play a crucial role in ensuring the accuracy, security, and efficiency of transactions.
Let’s work together
Get in touch with our experts to review your idea or product, and discuss options for the best approach
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