Skip to main content

Custom software for banking.

Retail banks, neobanks and financial institutions need explainable credit scoring, robust back-office, real-time fraud detection and auditable DORA / Basel IV compliance. Swoft natively delivers the immutable audit trail required by ACPR and the ECB.

01What we solve

Three recurring problems.
The same in most firms.

Before talking software, we talk pain points. If you don't recognize any of these three, we are probably not the right partner for you.

  • 01

    AI credit scoring is not auditable

    Your scoring models run in production, but when the regulator asks why customer X was refused credit on 12 March 2024, you cannot replay the decision. Major regulatory risk post EU AI Act.

    0 traceability of AI decisions on most core systems

  • 02

    Back-office runs on overnight batches

    Subscriptions, refunds, transfers, claims: sequential processes with overnight batches, no consistency guaranteed on partial failure. Manual corrections drift, LPs complain.

    Overnight batches = 8h+ of consistency latency

  • 03

    DORA arrived on 17 January 2025

    Fines up to 10% of annual revenue for non-compliant EU financial actors. Most core systems lack native operational-resilience evidence, only controls layered on top.

    DORA fines up to 10% of annual revenue

02Complex or critical software

The systems that
cannot fail.

When your processes require a replayable audit trail, sagas with compensation, or compliance by construction, we ship an event-driven architecture (DDD + CQRS + Event Sourcing), not a CRUD layered with audit logs.

  • Explainable credit scoring replayable for 5 years (ACPR)

    Explainable credit scoring replayable for 5 years (ACPR)

    Every scoring decision is kept with full reasoning, model used, confidence score, input data and model version. Replayable identically five years later for the regulator, patented "AI Decision as Data" mechanism (ADR-120).

    ACPRML modelsCredit databases
  • Credit cycle subscription → disbursement → guarantees

    Credit cycle subscription → disbursement → guarantees

    Full cycle for retail or business credit: subscription → checks → decision → disbursement → guarantees → recovery, with clean recovery on partial failure. Human validation steps on files above the delegation threshold. State is never corrupted, designed for DORA-critical transactions.

    Core bankingBanque de FranceFICP
  • DORA compliance by construction (10% revenue fines)

    DORA compliance by construction (10% revenue fines)

    Tamper-proof history of every system action, automated operational-continuity tests, incident register, regulator reporting in a few clicks. Compliant with DORA from first deployment, EU fines up to 10% of revenue avoided.

    DORAACPRECB
  • Explainable Basel IV fraud detection

    Explainable Basel IV fraud detection

    Every fraud alert is kept with its score, triggered rules and AI reasoning. The decision is frozen, never re-executed after the fact. Meets the Basel IV model-explainability requirement, tamper-proof evidence by construction.

    Anti-fraud platformsBasel IV
03Mobile and web applications

The day-to-day apps,
screen by screen.

For everything else (CRM, portals, scheduling, billing), we ship a custom application, on your design system and with your existing integrations.

  • Multi-advisor wealth management

    Multi-advisor wealth management

    CRM + portfolio + traced AI recommendations. Per-advisor compartmentalized (isolated DB), MiFID II audit reconstructed directly from history. Structured KYC/AML onboarding.

    BloombergRefinitiv
  • Regulatory reporting

    Regulatory reporting

    AnaCredit, COREP, FINREP, Basel IV reporting automatically generated from regulatory history. No after-the-fact reconstruction, no fragile batch.

    ECBACPR
  • Modern retail customer portal

    Modern retail customer portal

    Mobile-first customer space with instant SEPA transfers, payment-method management, limit configuration, chat support. Strong 3DS2 authentication.

    3DS2SEPA Instant
  • Business KYB onboarding

    Business KYB onboarding

    Business account-opening journey with integrated KYB: INSEE, BODACC, Pappers retrieval, automatic scoring, electronic signature of terms. Opening time cut from 2 weeks to 48 hours.

    INSEEPappersYousign
04Regulations & integrations

What we handle natively,
no add-ons.

Business compliance and key integrations are not options, they are prerequisites built in from the start.

  • DORA

    Digital operational resilience, applicable 17 January 2025

  • Basel IV

    Prudential requirements, model auditability

  • ACPR / ECB

    Financial supervision, evidence of automated decisions

  • MiFID II

    Investment services, wealth management

  • GDPR

    Personal data, multi-tenant with isolated DB

  • EU AI Act

    Applicable 2 August 2026, high-risk systems art. 8-15

05Frequently asked questions

Answers to the questions we get in meetings.

Does the audit trail hold up against the ACPR?
Yes. Every AI decision is kept in tamper-proof form with its reasoning, model used and confidence score. Replayable identically five years later. Patented mechanism (ADR-120 "AI Decision as Data").
Do you replace Temenos / Mambu / FIS?
Not core banking. We complement with the missing modules: explainable credit scoring, back-office sagas, DORA compliance, AI fraud. Bidirectional synchronization.
DORA 2025, really compliant?
The immutable audit trail and event-sourced sagas with compensation are DORA requirements produced natively by the architecture. No add-ons, no hacks.
Sovereign EU hosting possible?
Yes. Customer on-premise, EU sovereign cloud (Outscale, OVH SecNumCloud), or hybrid cloud depending on your constraints. No mandatory hyperscaler dependency.
How much does it cost for a mid-sized bank?
Subject to functional-scope engagement, no catalogue price. Free 48-hour scoping mission. Typically €200-800k for a delivered critical banking module.
06Related industries

On the boundary?

Mixed firms (accounting + audit, accounting + advisory, accounting + legal) draw from several industries. Here are those that share the most challenges.

07Articles & veille

L'actualité Banking, décryptée.

Réglementations, virages business, sous-domaines en mutation : ce que notre pôle veille publie sur le secteur Banking.

Tous les articles Banking →
Glossaire connexe

Le cadre réglementaire qui structure Banking.

Les réglementations qui pèsent sur les choix logiciels (appliquées, partielles, ou imminentes), décryptées par notre pôle veille.

  • Network and Information Security 2, Directive (UE) 2022/2555
    In force

    NIS2

    Network and Information Security 2, Directive (UE) 2022/2555

    Directive cybersécurité européenne applicable depuis octobre 2024. Élargit le périmètre aux SaaS, datacenters, transporteurs, alimentaire.

    • B2B SaaS
    • Banking
    • Clinic & Health
    • +3
  • Digital Operational Resilience Act, Règlement (UE) 2022/2554
    In force

    DORA

    Digital Operational Resilience Act, Règlement (UE) 2022/2554

    Règlement européen sur la résilience opérationnelle numérique du secteur financier. Applicable depuis le 17 janvier 2025, avec TLPT en 2026.

    • Banking
    • Finance & VC
  • Règlement (UE) 2024/1689 sur l'intelligence artificielle
    Partially in force

    EU AI Act

    Règlement (UE) 2024/1689 sur l'intelligence artificielle

    Premier cadre horizontal mondial de régulation de l'IA. Obligations IA haut risque applicables le 2 août 2026.

    • B2B SaaS
    • Banking
    • Defense
    • +1
Tout le glossaire réglementaire →

A banking actor wanting DORA-compliant and auditable?
30 minutes, no sales pitch.

30 minutes with Derick (CTO, ex-BNP Paribas, Groupama, Meeschaert) to scope your need and price the solution.

Talk about a banking project