Backbase, Mambu, Temenos T24, Avaloq and SAP expertise — from digital banking delivery to core modernisation and managed services.
Finative is the specialist Systems Integrator for banks and fintechs that need to move fast without losing control. We implement, customise and operate the platforms that power modern financial services — for mid-market and enterprise organisations across APAC, Europe and the USA.
From Tier 1 retail banks modernising their core to fintech scale-ups building new digital products — the challenges look different on the surface. Below that, the pressure is the same: deliver faster, reduce cost, improve the customer experience, and stay compliant.
Finative works across all of these contexts because we understand the banking domain — not just the technology stack.
Our banking services →Finative holds deep, certified expertise across the leading digital banking and core banking platforms. We don't support every platform superficially — we specialise where we can deliver the most value.
The Engagement Banking Platform — the market-leading solution for retail, business and employee banking experiences. Finative is one of the most experienced Backbase implementation partners globally, with a dedicated certified team and a track record across multiple live implementations.
From a first Backbase implementation to a full core banking migration — Finative structures the right team and engagement model around your specific programme.
End-to-end Backbase implementation — retail, business and employee banking. From discovery and architecture through agile delivery, QA, go-live and hypercare. On time, on scope, on budget.
Mambu, Temenos T24, Avaloq and SAP implementation and migration — replacing legacy monolithic cores with cloud-native, modular platforms without disrupting operations.
End-to-end digital lending implementation — account opening, onboarding, personal financing, credit cards, term deposits and auto loans. Interaction engine, decisioning and case management.
Ongoing platform ownership — application support, incident management, release management, DevOps optimisation and platform evolution. Faster releases, lower costs, better stability.
Certified Backbase, Mambu and T24 engineers embedded into your delivery team; short or long term, on demand, without the delays and overhead of permanent recruitment.
AI-powered features embedded into banking platforms — intelligent debt collection, fraud scoring, personalised product recommendations, AI-driven servicing and predictive risk models.
The numbers that matter to banking leadership — not lines of code delivered or sprints completed. Outcomes that appear in board presentations and investor updates.
See case studies →Two live examples — one implementation, one managed services takeover. Both measured by outcomes that mattered to the business.
One of Vietnam's largest banks faced intense fintech competition and needed a fully integrated digital banking platform — fast. Finative delivered an end-to-end Backbase implementation covering onboarding, account management, fund transfers, bill payments and online savings within an 8-month timeline, using an Agile delivery model with a dedicated cross-functional team.
The team didn't just deliver on time — they got it right the first time. That's what made the difference to our launch.
A leading Australian digital bank had implemented Backbase successfully but was experiencing slow release cycles, high operational costs and limited customisation under their existing managed services provider. Finative stepped in to take full ownership — optimising DevOps, cutting overhead and delivering tailored platform evolution aligned to the bank's strategic goals.
Faster releases and relevant new features changed how our customers feel about our platform. The cost reduction was almost an afterthought — the velocity was the real win.
Mid-market and enterprise banks have specific needs. Too complex for a boutique. Too price-sensitive for Tier 1 consultancies. Finative was built for exactly this.
The largest dedicated Backbase engineering team of any independent SI partner — PMs, SAs, BAs, backend, frontend, mobile and QA specialists with an average of 4+ years on the platform.
Our teams understand banking operations — product structures, regulatory frameworks, integration patterns and the commercial context behind every technical decision. Domain knowledge built in, not bolted on.
Vietnam-based engineering hub with Western account management and delivery leadership. Enterprise quality at a cost structure that makes programmes viable — not just technically, but commercially.
No global project queue. No competing priorities. Your programme gets a dedicated team and a delivery lead who is accountable to you — not to a utilisation target.
End-to-end implementation or certified engineers embedded in your existing team. Finative structures the engagement around what you actually need — not what sells the most.
Multiple live Backbase implementations across APAC and beyond. A managed services track record that includes 2x release velocity and ~40% cost reduction for a leading Australian digital bank.
Tell us your platform, your programme and the problem you need to solve. We'll come back with a clear perspective — usually within 48 hours.
