Digitalization in a highly regulated market
We help financial institutions modernize their systems, automate workflows and integrate AI—while staying fully compliant with regulatory requirements.
At viable, we thrive on complexity—especially in highly regulated industries like banking. Fragmented legacy IT systems, rising operational costs, and evolving compliance requirements can hold banks back. We don’t just plug in solutions; we analyze, customize, and integrate—bringing modern, intelligent systems into harmony with what’s already in place.
That’s what we do.
Over the years, we’ve worked across nearly every corner of the banking industry: from designing customer journeys for new digital banking products to modernizing core IT architectures. We help clients define scalable IT strategies, streamline dataflows, and build bridges between old and new through smart API integrations and future-ready tech stacks.
We understand that no two banks—and no two challenges—are alike. That’s why we never force generic solutions. We adapt and extend existing software when it fits, or create completely customized solutions. The result? Systems that are fast, secure, compliant—and uncompromisingly useful.
A tailored approach to every challenge.
The Balance Between Standard & Custom
Our work in banking-at a glance
Scalable IT Architecture
Designing systems that support both day-to-day operations and long-term transformation.
Customer Journeys
Concept, UX/UI design, and implementation for nearly every banking product and audience.
Systems Integration
Seamless connection between external platforms and core banking infrastructures.
API Strategy
Design and implementation of APIs that enable flexibility and inter-connectivity.
AI Integration
Embedding AI into operational processes and core systems for real impact.
Workflow Optimization
Analyzing data and processes to identify gaps—and then closing them with purpose.
Automated Decision Engines
Building smart, rule-based engines to support scalable, fast decision-making.
Banking Apps
Designing and launching customer-facing apps tailored to modern expectations.
Every project is a story of transformation. Explore selected case studies from our work in the banking sector.
Don’t believe us? Here are some examples!
Relaunch for Raiffeisen Capital Management
For Raiffeisen Capital Management, we conducted a comprehensive analysis and developed a strategic concept. We relaunched rcm.at as well as all international RCM websites, building on a modern and scalable setup. By implementing the Storyblok headless CMS and redesigning the interfaces for all fund data, we significantly improved both flexibility and data consistency. Further developments are already underway.
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A digital platform for renovation
We developed a SaaS platform that helps homeowners assess and compare the profitability of renovation measures such as changing the heating system, buying an electric car, installing a photovoltaic system and many more. It calculates ROI, compares options, includes public funding and connects users with advisors, banks, and contractors. AI-powered data extraction enhances the customer experience. As a one-stop-shop solution it simplifies decision-making and brings all stakeholders together.
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Dashboard for Data Quality
For Erste Digital, we designed and developed a custom dashboard solution to assess and enhance the data quality of internal documents using AI. The tool analyzes existing content, identifies areas that require action, and provides targeted insights to support continuous quality improvement. This AI-driven approach enables more efficient data governance across the organization.
Immo Check
For Raiffeisen Landesbank Steiermark, we developed a customer-facing tool that allows end users to receive property valuations directly online within seconds. We designed the tool, implemented it and integrated third-party provider APIs, to allow for automated data requests. The tool seamlessly combines user experience with backend automation to support the bank’s digital lead generation strategy.
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Decision engine & digital closing of mortgage loans
We delivered a digital mortgage application platform that streamlines the customer journey and accelerates decision-making. Key features include an automated decision engine, integrated property valuation, credit assessment, and risk scoring. By enabling instant feedback and an end-to-end online customer journey, the solution enhances customer experience, reduces processing times, and lowers operational costs through efficient API integrations and automation.
Ready-to-use modules for e2e customer journeys
In multiple projects for banking clients, we have successfully deployed a modular framework to improve the development of digital customer journeys. The modules, such as digital signature, data and document management, automated calculations and AI driven checks - are re-used and adapted to the specific needs of the bank. The modules can easily be integrated to internal and external APIs, reducing costs and boosting efficiency through automation and data flows.