Cross-industry engineering experience across regulated and high-growth sectors.
All Industries
“Digital banking platform adoption among retail banks is projected to reach 88% globally by 2027.” — Deloitte
“By 2026, more than 60% of traditional banks will have adopted AI-powered banking software solutions to automate risk and compliance workflows.” — McKinsey & Company
USA
PL
UA
MX
TR
Zoolatech provides banking software development services covering core banking modernization, digital banking platform development, mobile banking apps, neobank platform builds, payment processing systems, banking CRM, open banking API integration, KYC/AML compliance modules, fraud detection systems, and regulatory reporting tools. We serve retail banks, investment banks, credit unions, neobanks, and fintech companies across the US and Europe.
A phased strangler-fig approach incrementally replaces legacy core banking components — including COBOL-based systems — with modern microservices while keeping the existing platform live. New components run in parallel and are validated before each cutover, eliminating big-bang migration risk and maintaining regulatory continuity throughout the transition.
Banking software Zoolatech delivers is designed for Basel III and Basel IV capital requirements, PSD2 and Open Banking API standards, FFIEC IT examination guidelines, NYDFS Cybersecurity Regulation Part 500, AML and BSA compliance including OFAC sanctions screening, DORA for EU financial institutions, and PCI DSS for payment card processing. Compliance architecture is defined during discovery — not added post-development.
Zoolatech integrates with core banking platforms including Temenos Transact, Finastra Fusion, FIS Modern Banking Platform, Oracle FLEXCUBE, and Thought Machine Vault. For modern stack builds, the team uses Java and Spring Boot, Python, Node.js, cloud-native AWS and Azure, Apache Kafka for transaction streaming, and PostgreSQL for financial data. SWIFT, ISO 20022, PSD2 Open Banking APIs, and FedNow and RTP payment rails are all supported.
Yes. Zoolatech builds neobank platforms from the ground up — mobile-first architecture, API-first design, BaaS integration, real-time payment rails, digital KYC/AML onboarding, and embedded finance capabilities. Traditional banks and fintech companies transitioning to neobanking models are supported through phased platform modernization with compliance requirements mapped from day one.
A focused banking module — a mobile banking app, KYC workflow, or payment gateway — typically takes 4 to 8 months. A full digital banking platform with core system integration, compliance validation, and cloud deployment runs 12 to 24 months. Core banking modernization programs for large institutions typically run 18 to 36 months. Zoolatech defines phased milestones in a structured discovery engagement before committing to a timeline.
The primary difference is compliance-first engineering — every banking system is designed for its regulatory environment from the architecture stage. Combined with 60% senior engineers, ISO 42001-governed AI, and a banking software development process that maps compliance obligations at discovery, Zoolatech operates as a long-term banking software development partner accountable for outcomes, not just delivery.
Yes. Zoolatech delivers banking software development services for financial institutions across the US and Western Europe, with engineering teams in Poland, Ukraine, Mexico, and Turkey, providing time-zone-aligned capacity and familiarity with both US regulatory frameworks and EU requirements including PSD2, DORA, and GDPR.
