Banking.
Modern interfaces on top of systems you cannot replace.
Drema builds the digital layer banks actually ship: customer portals, onboarding journeys, relationship-manager tooling and the integration layer that lets any of it talk to a core system written decades ago. We work incrementally around the core rather than proposing to replace it.
What this sector
actually deals with.
The core banking system is stable, expensive to change and surrounded by rules nobody has fully documented. Every digital initiative stalls at the integration boundary, so customer-facing software ends up years behind what people expect from their other apps.
Systems this sector
keeps needing.
The parts of a banking platform that carry the weight. Not everything at once — we build the one that unblocks you first.
Core integration layer
A clean API façade over the core so new products are not each a bespoke integration.
Digital onboarding
Account opening with identity verification, e-sign and progress that survives an abandoned session.
Customer portals
Balances, statements, transfers and service requests with accessibility built in.
Back-office tooling
Interfaces for operations staff that replace terminal screens and shared spreadsheets.
Audit and access control
Role-based permissions with a complete record of who saw and changed what.
Where the work
pays for itself.
The problems banking teams bring us most often. If one of these is costing you money today, it is worth a conversation.
Digital account opening
Cutting a branch process to a guided flow that can be completed on a phone.
Relationship manager tools
One view of a customer assembled from systems that do not talk to each other.
Self-service reduction of call volume
Moving the top ten call-centre reasons into the app.
Legacy screen replacement
Modern interfaces over green-screen workflows without changing the core.
Not on this list? Sector problems rarely fit a template — tell us yours.
What shapes a build
in this sector.
These are the things a generalist team discovers late and prices badly. We design around them from the first week.
- RBI cybersecurity framework and IT governance expectations
- Segregation of duties and maker-checker controls
- Data residency and retention obligations
- Change control and audit evidence for every release
How we usually
engage here.
The services banking clients most often start with.
Banking
questions.
Straight answers, including where we are not the right team.
Do we have to replace our core banking system?
Almost never, and we would advise against it as a first move. A well-designed integration layer lets you ship modern digital products against the existing core, which delivers value in months rather than years and keeps the risky change optional.
How do you handle security review?
We build to your security team's requirements and expect penetration testing before launch. Least-privilege access, encryption in transit and at rest, secret management and audit logging are defaults, not line items to negotiate.
Can you work with our existing vendor stack?
Yes. Most bank engagements involve integrating with systems we did not build and cannot change. We wrap them in a clean interface so their constraints do not spread through the rest of the architecture.
How do you manage release risk?
Feature flags, staged rollout and a rehearsed rollback path, with change evidence captured for audit. Nothing goes to all customers at once.
Building for banking?
Bring the problem as it actually is, constraints included.
You will get a straight answer on whether we are the right team.