Every option ships the same five channels and the same composable Digital Backbone. What changes underneath is the core banking system — INY Digital's own DigiCore, Finastra Fusion Essence, or Thought Machine — so you choose the core that fits your bank, not the other way around.
Full digital banking from INY Digital on the iBaaS platform — five channels, digital backbone, and core banking system bundled together, on an auto-scalable cloud-native stack or a restricted on-prem deployment, both over multi-tenant architecture.
Everything — channels, backbone, back office, and core — from a single vendor, on a single data model.
BancTrust Platform, powered by UST. Digital banking from INY Digital on the iBaaS frontend platform — five channels and the digital backbone, bundled with Finastra Fusion Essence as the core, on Azure Cloud.
INY Digital's channels and backbone, paired with a proven, regulator-trusted Finastra core running in Azure.
Digital banking from INY Digital on the iBaaS frontend platform — five channels and the digital backbone, bundled with Thought Machine's headless core banking system.
INY Digital's channels and backbone, paired with Thought Machine's headless, API-first core.
All three options share the same five channels, the same composable Digital Backbone, and the same back office capabilities — the choice is which core banking system sits underneath.
| Layer | Option 1 Full iBaaS | Option 2 + Finastra | Option 3 + Thought Machine |
|---|---|---|---|
| Retail channels | Internet, Mobile, Branch, Agent, Merchant | Internet, Mobile, Branch, Agent, Merchant | Internet, Mobile, Branch, Agent, Merchant |
| SME channels | Internet, Mobile, Branch | Internet, Mobile, Branch | Internet, Mobile, Branch |
| Digital backbone | Digital API Banking, composable product layer, own data model | Digital API Banking, composable product layer, own data model | Digital API Banking, composable product layer, own data model |
| Back office | Customer 360 / SME 360, customisation, inbox, product mgmt, reports, audits | Customer 360 / SME 360, customisation, inbox, product mgmt, reports, audits | Customer 360 / SME 360, customisation, inbox, product mgmt, reports, audits |
| Core banking system | DigiCore — own CBS, API banking, own database | Finastra Fusion Essence, on Azure Cloud | Thought Machine, headless CBS |
| Deployment | Cloud-native auto-scale or restricted on-prem, multi-tenant | Cloud-native auto-scale or restricted on-prem, multi-tenant | Cloud-native auto-scale or restricted on-prem, multi-tenant |
| Vendor footprint | Single vendor — INY Digital end to end | INY Digital frontend + Finastra core, via BancTrust / UST | INY Digital frontend + Thought Machine core |