Digital Banking System


The “Digital Banking System” is a modern online platform that revolutionizes traditional banking by providing users with secure and convenient access to a wide range of financial services and tools. This platform offers a seamless banking experience, allowing customers to manage their finances, make transactions, and access banking services from the comfort of their digital devices.

Business Model:

The business model for a Digital Banking System typically includes the following components:

  1. Account Management Fees: Generating revenue through account management fees charged to customers for maintaining and managing their digital banking accounts.

  2. Transaction Fees: Charging fees for various financial transactions, including fund transfers, bill payments, and foreign currency exchanges.

  3. Interest Income: Earning income through the interest accrued on customer deposits and loans provided by the bank.

  4. Overdraft and Loan Interest: Charging interest on overdrafts, personal loans, mortgages, and other credit products offered to customers.

  5. Subscription Plans: Offering premium subscription plans to customers, providing benefits such as higher interest rates, reduced transaction fees, access to financial advisors, and personalized financial insights. Subscription fees contribute to recurring revenue.

  6. Credit Card Services: Issuing and managing credit cards, earning fees from annual card membership fees and transaction fees.

  7. Wealth Management Services: Providing investment and wealth management services, earning fees based on assets under management (AUM) and performance-based fees.

  8. Foreign Exchange Services: Offering currency exchange services to customers, earning fees through currency conversion rates.

  9. Financial Advisory Services: Providing personalized financial advisory services to customers, including retirement planning, investment advice, and tax optimization, with fees for advisory services.

  10. Mobile Banking App: Developing and offering a mobile banking app for convenient account management and transactions, earning revenue from app downloads and in-app advertisements.

  11. Customization and White Label Solutions: Providing customization and white-label solutions for businesses looking to offer digital banking services under their branding, with licensing fees and customization charges.

  12. Developer APIs: Offering developer APIs and documentation for businesses looking to integrate digital banking features into their websites or applications, generating revenue from API usage fees.

  13. Data Analytics and Reporting: Providing data analytics and reporting tools to customers, allowing them to track their financial activities, set budgets, and analyze spending patterns, with fees for premium analytics.

  14. Security Services: Implementing robust security measures to protect customer data and transactions, with fees for premium security features.

  15. Advertising and Promotions: Displaying relevant advertisements and sponsored content from financial institutions, investment firms, and businesses looking to reach the platform’s user base, generating advertising revenue.

The success of a Digital Banking System depends on factors such as user trust, security, ease of use, responsive customer support, a wide range of financial products, and the ability to adapt to changing customer needs and regulatory requirements. These platforms play a pivotal role in the digitization of the banking industry, providing customers with convenient and efficient financial services.


ViserBank, a professional Digital banking Solution that comes with PHP laravel. It’s developed for those people who want to start their Digital Banking Wallet website. Globally, 69% of adults, 3.8 billion people, now have an account at a bank or mobile money provider, a crucial step in escaping poverty. This is up from 62% in 2014 and just 51% in 2011. It’s an industry and here today we keep our footprint on this industry with our ViserBank, a complete solution for the Banking business. here, users can join easily, can manage their profile, deposit, FDR, DPS, Loans, able to choose plans, transfer to others bank, transfer to others account, Manage Beneficiary, withdraw their earning, and more.

Are you looking for a complete Digital Banking system for your business, then you are in the right place. No need to pay thousands of dollars to hire developers to build your Banking Website. ViserBank may assist you to handle unlimited users, Unlimited Transactions, Accounts, plans, able to accept payment via cards, cryptos, and mobile money. ready-to-go solution, it takes only a few minutes to set up your website with our system. we also here to provide you best support, installation, and customization if you need it. hurry up, get your copy and start your Banking website.

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Demo Access:

Admin Access:
Manager and Account Officer Access:

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Highlighted Features

  • DPS, FDR, Loans System Included.
  • Support modern browser and cross-browser compatibility.
  • Strong and powerful admin interface.
  • Manage Benificiary & transection system.
  • 20+ Payment Gateways.
  • Functionality is Simple and all Dynamic Features.
  • Easy Documentation, Regular updates.
  • GDPR Policy, Premium and quick support.

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User Dashboard Features

– Deposit Management.
– Deposit history Management.
– Withdraw Management.
– Withdrawal history Management.
– FDR Management.
– FDR list Management.
– DPS Management.
– DPS list Management.
– Loan Management.
– Loan plan and list.
– Transfer Management.
– Benificiary management.
– Transfer within viser bank.
– Transfer to other bank.
– Transfer history Management.
– Profile Management.
– 2FA security Management.
– Password Management.
– Transactions Management.
– Support tickets Management.
– Extra Page Builder.
– Email Notification & Verification.
– SMS Notification & Verification.
– GDPR Policy.
– Livechat, Security Captcha Included.
– Comes with Multi language Features.
– Privacy & TOS.
– And More….

Admin Features

– Manage Users.
– Loan Management.
– DPS Management.
– FDR Management.
– Manage Other Banks.
– Manage Money Transfer.
– Manage Payment Gateways.
– Manage Deposits.
– Manage Withdrawals.
– Manage Support Ticket.
– Manage Report.
– Manage Subscribers.
– Manage General Settings.
– Manage System.
– Manage Logo & Favicon.
– Manage Extensions.
– Manage Language.
– SEO Manager.
– Email Manager.
– SMS Manager.
– Manage Templates.
– Manage Pages.
– Manage Section.
– Manage GDPR Cookie.
– Manage Custom CSS.
– Manage Clear Cache.
– Manage Contact Us.
– Manage FAQ Section.
– Manage Footer Section.
– Manage Policy Pages.
– Manage Partners Section.
– Manage Testimonial Section.

Business Model:

The “Digital Banking System” is a modern online platform that revolutionizes traditional banking by providing users with secure and convenient access to a wide range of financial services and tools.

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