Financial experiences built around the core you already have.

KYC & Identity Control

AI-driven onboarding combines liveness checks, face recognition, NFC identity-document reading, automated assessment and scoring. The KYC flow can complete in two minutes while remaining part of a controlled identity process.

Role-based access, single sign-on, tenant isolation, monitoring and an auditable control chain support environments where identity is not only a customer-experience concern but a regulatory one.

Digital banking and customer operations

Configure the journeys required around accounts, cards and payments without rebuilding the surrounding application layer for every proposition.

The solution base includes registration, login and session management, account views, card top-up, peer-to-peer and bank transfers, money requests, card lifecycle and limits, digital-wallet provisioning, strong customer authentication, request-and-approval workflows, notifications, customer support and cardholder administration.

A white-label application platform applies partner branding, localisation, feature controls, links, message templates, programmes and tariffs across the selected journeys.

Beyond Banking

Build a financial-management experience around accounts a customer already holds.

Capabilities can include bank-agnostic account aggregation, tax-authority invoice synchronisation, AI-supported cost categorisation, automatic tax calculation, deadline tracking, real-time dashboards, liquidity and cash-flow views, grant pre-qualification and a partner marketplace.

The marketplace supports partner onboarding and connection-fee monetisation, allowing relevant third-party services to become part of the customer proposition.

One deployed SME platform has been in market for years and subscription-based since 2025. Its financial-management module passed 1,000 users within a month.

Business finance and administration

Extend an SME proposition from account visibility into the recurring work around invoices, payments, taxes, documents, funding and business services.

Available solutions include tax-authority invoice synchronisation, income and expense management, invoice-document matching, accountant packages, payment baskets, tasks and recommendations, financial and tax reporting, company-registry data, funding-opportunity matching, factoring applications, partner marketplaces, subscriptions, multi-user company access, consent management and configurable content.

Specialist propositions can add accountant matching, agricultural knowledge and service marketplaces, events, referrals, coupons and secure business-document libraries.

Family Banking

Give children, teenagers and parents real financial tools and education in one experience.

The app combines a pocket-money account and card, goal-based savings, chores, parental oversight and gamified financial education. It is supported by more than 1,000 hours of secondary research across 200 US financial institutions, 19 family-focused neobanks and the Hungarian banking sector, plus more than 100 hours of primary research including 30 family interviews and usability tests.

Visa Europe selected Peak after seeing an existing pocket-money product in market. We delivered Visa’s white-label Parent & Child family-banking application in 2024 in integrated, semi-integrated and standalone models.

Financial Wellness

Connect day-to-day financial activity to personalised learning and healthier decisions.

The financial-wellness experience can draw on X-Heights for AI-supported education, assessment and gamification, then place that learning inside the customer’s real financial context.

Shopping Centre App

Give visitors a branded view of stores, categories, parking information and relevant notifications for a retail destination.

The wider Peak FS solution base can add gift cards, merchant offers, vouchers, promotions, loyalty, points and partner services when those capabilities are part of the proposition.

Payments and banking infrastructure

Peak FS supports:

• virtual and physical Visa and Mastercard issuing
• domestic, cross-border, peer-to-peer and own-account transfers
• a PSP gateway connecting payment providers by API
• Qvik QR and NFC acceptance, requests to pay and card acceptance across POS, vPOS and softPOS configurations
• general, Qvik and card reconciliation across two or more data sources
• virtual-account identifiers for payment identification and automated matching
• digital merchant onboarding and administration for merchants, service providers and banks
• payment administration, resource and customer management, distribution, fee calculation and billing
• accounts, account opening and transaction-history integration
• hierarchical account structures, from parent-child to owner-manager
• core-banking integration by API
• an Open Banking gateway with our own AISP capability
• payment-aggregator, GIROFix+ request-to-pay and selected provider connectors

Selected payment experiences can be launched without waiting for a full core-banking integration programme.

Platform operations and reusable delivery assets

The application and payment layers are supported by structured logging, secrets management, service monitoring, a reusable financial UI component library and a repeatable mobile-release pipeline.

These capabilities can remain behind the customer experience or be introduced as focused solutions where an organisation needs a controlled integration, administration or delivery layer.

Fits your level of core readiness

In the standard model, Peak is the technology provider and the client remains the licensed party. The platform operates inside your regulatory perimeter, under your permissions, with the audit record retained in your environment.

Take it to market under your brand

Apps and platform capabilities can carry your brand, pricing and customer relationship. Our reusable design system shortens rebranding, while the product base, roadmap, governance and maintenance remain ours.