Banking

Driving the shift to AI-driven banking

Banks are reimagining how they operate, engage, and grow in the AI era. Qubika is enabling financial institutions to lead this change.

We build data and AI-driven banking solutions that modernize core banking services, strengthen bank compliance, and enhance financial cybersecurity - creating secure, scalable, and customer-centric banking ecosystems.

  • SOC 2
  • ISO 27001
  • NIST
  • 20+ years

    Experience working in banking and financial services

  • 100million+

    People who use financial systems built by Qubika

  • 75%

    Of Qubika’s largest clients are in banking and financial services

AI-driven banking

We build AI agents and systems that improve core banking processes

Combining deep banktech expertise with advanced AI, we design agents that enhance compliance monitoring, automate KYC workflows, and ensure reliable execution of funds transfers.

Qubika approach to building AI-driven banking systems

  • Stage 1

    Stage 01

    Building the banking-grade foundations for AI at scale

    • Establish an AI-ready banking foundation by aligning people, operating models, governance, security policies
    • Modernize legacy banking data estates into a governed, auditable Lakehouse architecture
    • Implement enterprise-grade data controls, including AML, KYC, GDPR, SOC2
  • Stage 2

    Stage 02

    Implement a secure, regulator-ready AI operating model

    • Integrate AI across banking delivery and operations
    • Ensure AI systems are predictable, auditable, and measurable
    • Scale AI adoption safely across the enterprise using banking-grade guardrails
  • Stage 3

    Stage 03

    Enterprise-ready AI systems & agents

    • Launch enterprise AI agents that automate banking workflows and support decision-making
    • Scale from isolated use cases to a governed, enterprise AI portfolio, aligned with business lines and regulatory oversight
    • Continuously improve models using performance signals, including transaction outcomes, customer behavior, risk events, and audit feedback

Our Key Partner Certifications

  • AWS Partner
  • Databricks Select Badge
  • Snowflake Badge

Core Banking Modernization

Banking services & capabilities

Modernize your core systems to move at the speed of innovation. Qubika’s engineering and data experts design, migrate, and integrate core banking services that enable banks to scale efficiently and launch new products faster.

What we deliver

  • Legacy-to-cloud core migration

    Legacy-to-cloud core migration

    • AWS
    • Google Cloud Platform
    • Microsoft Azure
  • API-driven integration with fintech and payment platforms

    API-driven integration with fintech and payment platforms

    • Stripe
    • Fiserv
    • Galileo
  • Data modernization and architecture redesign

    Data modernization and architecture redesign

    • Databricks
    • Snowflake
  • Modular, scalable service models for rapid product deployment

    Modular, scalable service models for rapid product deployment

    • Langchain
    • Terraform
    • Kubernetes
    • OpenAI
Digital banking solutions

Digital banking solutions

Deliver seamless, intelligent experiences that customers trust. We combine design, data, and AI to help banks build next-generation digital banking solutions - from personalized mobile apps to omnichannel onboarding journeys.

Our focus areas:

  • AI-powered onboarding and customer engagement
  • Digital wallets and real-time payments
  • Open Banking and Banking-as-a-Service (BaaS) platforms
  • Predictive analytics and personalization engines

Bank compliance and risk management

Qubika embeds bank compliance and governance frameworks into every solution with deep expertise in banking compliance. We help you automate compliance processes, improve transparency, and reduce risk exposure.

  • AML and KYC automation

    AML and KYC automation

  • Regulatory data pipelines and reporting

    Regulatory data pipelines and reporting

  • Model risk management for AI systems

    Model risk management for AI systems

  • Data privacy alignment with GDPR, CCPA, and local frameworks

    Data privacy alignment with GDPR, CCPA, and local frameworks

Financial cybersecurity

Financial cybersecurity and resilience

Security and operational resilience are core to modern banking. Qubika helps financial institutions protect critical systems, sensitive data, and customer trust - enabling secure innovation under regulatory scrutiny.

Banking security capabilities:

  • Secure-by-design architecture and DevSecOps
  • Threat modeling and vulnerability management
  • AI lifecycle protection and model auditability
  • Zero-trust cloud and endpoint security frameworks

A Databricks Select Partner

As a Select Databricks Partner, we've demonstrated our deep knowledge of the platform and a proven track record of successful implementations.

We have 200+ professionals certified on the Databricks Intelligence platform. Our people have Databricks certifications ranging from Associate Data Analyst, Data Engineer, to Professional Machine Learning Engineer and GenAI Engineers.

Databricks Partner

Expertise across core and API-driven banking platforms, including Galileo and Fiserv

Qubika has proven expertise working across both established core banking platforms like Fiserv and modern, API-driven platforms like Galileo.

We help banks and financial institutions integrate, extend, and modernize their technology ecosystems while maintaining the security, compliance, and reliability required in regulated environments. Our teams understand how to bridge legacy core systems with modern digital and payments platforms to enable innovation without compromising operational stability.

  • Fiserv
  • Galileo

Why banks choose Qubika

  • Deep domain experience

    Deep domain experience

    Over 75% of Qubika’s largest clients are in financial services. Our banking specialists understand the operational, technical, and regulatory realities of modern banking - from retail and commercial to challenger and digital-first models.

  • AI-native transformation

    AI-native transformation

    We help banks evolve from digital to AI-native operations. By combining data pipelines, automation, and agentic AI, we empower institutions to streamline decision-making, accelerate compliance, and enhance customer value.

  • Secure and compliant by design

    Secure and compliant by design

    Security, compliance, and scalability are built into every engagement. Our solutions align with leading global standards - including NIST, ISO 27001, and PCI-DSS - ensuring your bank’s data and operations remain protected and auditable.

FAQs

FAQs about Qubika's banking capabilities

  • What types of banking institutions does Qubika work with?
    Qubika partners with a broad range of financial institutions, including community banks, regional banks, fintechs, and financial services organizations. We have deep experience supporting banks operating in highly regulated environments, helping them modernize technology, improve operational efficiency, and deliver secure digital products at scale.
  • What experience does Qubika have with banking clients?
    Qubika has extensive, hands-on experience working with banking clients such as Coastal Community Bank, among others. Our teams understand the operational, regulatory, and security challenges banks face and have successfully delivered solutions across core banking integrations, digital channels, data platforms, and AI-driven systems.
  • How does Qubika address security and compliance requirements?
    Security and compliance are foundational to how we work with banking clients. Qubika is:
    • SOC 2 Type II certified
    • ISO/IEC 27001 certified
    • Compliant with the NIST AI Risk Management Framework

    These certifications and frameworks ensure our processes, controls, and systems meet rigorous standards for information security, data protection, and risk management. For more details about these certifications visit our Trust Center.
  • What is Qubika’s expertise in artificial intelligence for banking?
    Qubika has deep expertise in designing and building AI agents and AI-powered systems for highly regulated industries, including banking. We focus on:
    • Responsible AI design
    • Model governance and transparency
    • Risk mitigation and explainability
    • Secure data pipelines and controlled model deployment

    Our AI solutions are built to comply with regulatory expectations while delivering measurable business value.

Let’s work together

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