ekzo
By industry · Banking & fintech

A low-code platform for banks and financial institutions

Speed up new product launches and automate the middle and back office on a seamless technology platform — without replacing your core banking system.

Industry landscape

What banks and fintechs are up against

The industry moves faster than core systems can keep up.

Tight regulatory requirements
Compliance, anti-fraud and reporting change often — processes must adapt fast.
Outdated monolithic core banking
Any change to the core takes months and depends on the core vendor.
High cost of customization
A new product or scenario is expensive to build inside the core system.
Pressure from neobanks and fintechs
Customers expect digital-first speed — slow launches lose market share.
Process map

Typical bank scenarios

Processes are assembled on the platform around your product and rules — pick a tab to see the flow.

Customer onboarding: data collection, identity verification and scoring before opening a product.

1Application→
2Identification→
3Scoring→
4Open product
Effect: Onboarding in minutes, not days
Wrap & Renew

Integrate with core systems without replacing them

The platform connects to core banking, ERP, online banking and processing systems as-is — Registry reads existing data without changing its structure, and Relay wraps outdated protocols into a single format. No need to touch the core: low-code becomes a flexible orchestration layer on top of it.

Bank core systems
Core banking
ERP
Online banking
Processing
Orchestration layer
Ready accelerators

Process templates for a fast start

Typical banking scenarios assembled on the platform and tailored to your rules — no development from scratch.

KYC onboarding
Customer identification and initial checks before opening a product.
Credit scoring route
Application approval with risk and limit checks.
Complaint handling
Intake and resolution of customer complaints about products and transactions.
Online banking requests
Processing requests submitted through online banking.
Compliance checks
AML checks and escalation of suspicious transactions.
Admin & contracts
Internal requests and contract approval with counterparties.
Security & compliance

Built for financial-sector requirements

The platform is designed to meet security and compliance team requirements.

Russian OS & DBMS
Runs on Astra Linux, RED OS, ALT Linux; PostgreSQL, including Postgres Pro from the domestic software registry.
GOST electronic signature
Document signing and interaction with government systems with a GOST R 34.10-2012 e-signature.
Self-hosted, isolated environment
Deployed on-premise or inside the bank’s closed network — data never leaves the perimeter.
Roles, access and audit
Role-based access control and a full action log for security teams.
Business impact

Industry case

Customization cost
current cost−50%
Application processing cost
current cost−40%
New product launch
monthsweeks
Top-30 retail bank, digital transformation of the credit pipeline

Any change to the credit pipeline used to wait in the core-banking development queue. With a solution built on Ekzo Platform we assemble and change scenarios ourselves, while the core system stays untouched.

— CIO, retail bankIllustrative example

Discuss the solution architecture with an industry expert

We’ll review your current processes, show similar cases in Banking and propose an automation roadmap.