How digital banking is evolving—and what’s standing in the way
Modern digital banking is shaped by the dual forces of innovation and complexity. Key trends include real-time services, personalized experiences, Open Banking integrations, and a shift toward mobile-first platforms. However, banks face challenges such as balancing security with user convenience, ensuring regulatory compliance (KYC, AML, GDPR), managing legacy system integration, and keeping up with rapidly evolving customer expectations. Additionally, the rise of fintech competition and the need for scalable, flexible infrastructure continue to pressure traditional institutions to adapt quickly.
Our Adacta Digital Banking (ADB) perfectly meets all the challenges of today’s modern digital banks. Discover its outstanding features and exceptional advantages below.
Core capabilities behind Adacta Digital Banking and end-to-end efficiency
Access and Account Management
Adacta Digital Banking provides 24/7 access and real-time account monitoring, ensuring users stay informed anytime, anywhere. It supports frictionless account opening and digital onboarding, making it quick and easy to become a customer. Users can view a comprehensive account overview and transaction history, manage finances across multiple entities with multi-entity banking, and take full control of their cards — from issuing to blocking and setting spending limits.
Payments and transactions
Customers enjoy instant payments and seamless transfers—internal, domestic, or international. P2P and mobile payments via Apple Pay and Google Pay are fully integrated, along with merchant payments using QR codes or NFC. The system supports efficient bill management, recurring and scheduled payments (e.g., SDD, SCT), and robust payee management, including trusted or blacklisted recipients. It also enables wallet integration and loyalty program participation to boost convenience and retention.
Customer engagement and support
Banks use real-time alerts and notifications to keep users informed of important activity. In-app messaging and push notifications enhance communication, while chatbots and virtual assistants provide instant, AI-driven help. Customers can access live chat and ticketing support, request meetings through integrated meeting management tools, and share feedback for continuous satisfaction tracking and service improvement.
Advanced services and integrations
Adacta Digital Banking platforms offer personal financial management tools, helping users plan and track budgets with ease. Customers can manage loans and credit, access investment and wealth services, and explore insurance options directly from the app. Open Banking APIs and fintech ecosystem integrations enable broader financial innovation and a more personalized digital experience.
Security and compliance
With a strong focus on protection, banks incorporate advanced security features like biometric login and multi-factor authentication. They leverage real-time fraud detection systems to proactively identify and prevent threats. Platforms are fully aligned with key regulations including KYC, AML, PSD2, and GDPR, and offer transparent consent and permission management to empower users with control over their data.
Adacta Digital Banking is built for everyday convenience
Convenience and 24/7 Access
Adacta Digital Banking gives customers the flexibility to manage their finances anytime, anywhere—no need to visit a branch. Whether it's checking balances, making payments, or managing cards, services are always available at the touch of a button.
Seamless Payments and Transfers
Customers can make domestic and international transfers, P2P payments, and mobile transactions with ease. Integrated wallets and support for platforms like Apple Pay and Google Pay make the payment experience fast and frictionless.
Speed and Efficiency
Transactions like fund transfers, bill payments, and account opening are completed in seconds. Instant processing and real-time updates reduce waiting times and streamline banking operations for both customers and institutions.
Improved customer engagement
In-app messaging, chatbots, and notifications keep customers informed and supported. Easy access to support services and personalized offers enhances user satisfaction and loyalty.
Broader financial access
Adacta Digital Banking platforms support inclusive banking by reaching underserved populations through remote account opening and mobile access. This democratizes financial services and promotes financial inclusion.
How banks grow: value, innovation, transformation
Eco-friendly and paperless
Digital statements, e-signatures, and online documentation reduce paper usage and environmental impact. It supports banks’ sustainability goals and appeals to eco-conscious customers.
Cost savings
Adacta Digital Banking reduces overhead costs for banks and eliminates many fees for customers. Services like digital statements, self-service options, and reduced branch visits also contribute to overall savings.
Integration with financial ecosystems
Open banking and API integrations allow customers to connect their bank accounts with other fintech services. This creates a unified, richer financial experience tailored to user needs.
Enhanced security and compliance
Advanced authentication methods such as biometrics and multi-factor authentication protect against unauthorized access. Real-time fraud monitoring and compliance with regulations like GDPR and PSD2 ensure data privacy and transaction safety.
Modular components for flexibility, customization, and growth
Digital onboarding
Allows users to open accounts remotely using eKYC, document upload, and biometric verification. It supports identity checks, AML screening, and seamless customer registration with minimal friction.
Wallet and loyalty integration
Enables linking and managing digital wallets (e.g., Apple Pay, Google Pay) and loyalty programs. Supports cashback, rewards tracking, and redemption directly from the banking interface.
Account and card management
Enables users to view account balances, transaction history, and manage multiple accounts across entities. It also includes card issuance, blocking/unblocking, PIN reset, and setting limits or usage controls.
Payments and transfers engine
Handles internal, domestic (e.g., SEPA), and international (e.g., SWIFT) fund transfers. Supports instant payments, scheduled transfers, recurring payments (e.g., SDD/SCT), QR/NFC-based merchant payments, and peer-to-peer (P2P) transfers.
Alerts and notifications system
Pushes real-time alerts for transactions, balance updates, suspicious activity, and promotional offers. Customizable by the user to manage frequency and notification types across channels (SMS, email, in-app).
Virtual assistant and chatbots
Provides instant, AI-powered responses to customer queries, account assistance, and transaction guidance. Often integrated with live chat escalation and ticketing for complex issues.
Personal financial management (PFM)
Offers tools for budgeting, goal setting, spending categorization, and financial planning. Visual dashboards and insights help users understand and control their finances.
Bill payments and invoicing
Supports utility bill management, e-invoicing, and scheduled bill payments. Offers reminders, auto-pay options, and integration with government and private billing systems.
Lending and credit services
Facilitates loan applications, credit card requests, repayment schedules, and credit score tracking. Includes pre-approval workflows and integration with underwriting systems.
Investment and wealth tools
Allows users to view, manage, and invest in stocks, mutual funds, and other financial products. Often includes risk profiling, robo-advisory tools, and performance tracking.
Insurance and protection products
Supports the purchase, management, and claim tracking of insurance policies (life, travel, health, etc.). Offers personalized coverage suggestions based on customer data.
Consent and access management
Gives users control over data sharing, third-party app connections (via APIs), and Open Banking permissions. Enables revoking or granting access in compliance with GDPR and PSD2.
Fraud monitoring integration and risk management
Monitors transactions in real-time to detect suspicious activity using AI/ML models. Integrates with customer risk scoring, rule-based alerts, and fraud prevention systems.
Reporting and statements
Generates downloadable e-statements, audit logs, and transaction summaries. Also includes tax report templates, spending insights, and export functionality.
Adacta Digital Banking:
seamless, secure, and scalable
Designed for individuals to manage their personal finances digitally
Adacta Digital Banking portals and apps for retail customers offer 24/7 access to accounts, cards, and financial tools. Users can onboard remotely, make payments, view transaction histories, manage personal budgets, apply for loans, and interact with chatbots or live agents. Integration with mobile wallets and loyalty programs enhances convenience and user engagement.
Tailored for businesses to manage company finances and operations
Adacta Digital Banking business (B2B) platforms support features like multi-user access with roles, bulk payments, payroll, and cashflow dashboards. Companies can generate invoices, monitor accounts across entities, and access treasury services like FX and liquidity tools. APIs also enable integration with ERP and accounting systems, streamlining financial operations.
Used by bank staff to manage customers and operations
This internal layer enables customer service representatives to view customer profiles, resolve issues, verify identity, and handle exceptions. It includes tools for fraud alert review, loan processing, and document validation. Real-time access to transaction logs and KYC records empowers staff to offer timely and informed support.
Controls the digital bank’s products, policies, and settings
Adacta Digital Banking Admin tools allow authorized staff to configure financial products, set transaction limits, manage pricing, and control risk scoring logic. Banks can update content (e.g., banners, FAQs), manage internal user access, and monitor platform activity via audit logs. These tools ensure operational flexibility and governance.
The bridge between the bank and external partners or fintechs
This layer enables secure, standards-based API access for third-party providers and internal systems. It supports Open Banking (AIS/PIS) functionalities, consent management, webhooks, and data exchange across platforms. With developer portals and sandbox environments, it facilitates innovation and partner onboarding at scale.
The technical foundation connecting all services and systems
At the core lies the connection to the bank’s core banking system and other back-end engines—handling accounts, cards, loans, payments, and user data. It supports microservices, real-time processing, containerized deployments, and secure identity management. Middleware ensures smooth communication between front-end, APIs, and legacy systems.
What sets Adacta Digital Banking apart
Adacta Digital Banking (ADB) offers a powerful, future-proof platform designed to meet the evolving needs of modern financial institutions. With its seamless user experience, robust security features, and compliance with global regulations, it ensures that banks can deliver innovative, secure, and convenient services to their customers. The platform’s scalability and advanced analytics empower banks to provide personalized, real-time banking experiences while staying ahead of market trends. Additionally, its open banking capabilities and cost-efficient infrastructure make it the ideal solution for banks looking to grow, integrate with new services, and remain competitive in today’s digital-first economy.
Who trusts us
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Nova ljubljanska banka
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Intesa Sanpaolo Bank
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Deželna Banka Slovenije
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Hrvatska poštanska banka
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Sparkasse
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Nova hrvatska banka
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N-banka
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Volksbank
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Poštna banka Slovenije
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Factor banka
Take Adacta Digital Banking platform for a spin
For more information call +386 59 341 300 or write an e-mail at ADB@adacta-fintech.com
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