WHAT IT IS
DigitalHub is INM's digital channels platform: mobile banking and internet banking on a single codebase, over a core-agnostic API layer. It covers customer authentication and security, a homepage that can be personalised through widgets, personal financial management (PFM) - spending, budgets, savings and net worth - Open Banking on both sides (external account aggregation and consent management) and a conversational assistant for everyday operations. Whatever core the bank already runs - Banka, Finastra Essence or an in-house legacy system - DigitalHub plugs into it by API rather than replacing it, and ships as SaaS or on-premise.
THE PLATFORM
Bank highlights, shortcuts, security score and money management.
The same homepage on mobile, on the same base.
Goals with a target date, monthly top-up and round-up.
A score out of 100 and an actionable recommendations checklist.
WHY IT MATTERS
One app for everything the customer needs: balances and transactions, payments, automated savings, net worth and Open Banking - over an API layer that talks to the core you already run. Launching a new channel no longer requires a core project.
ADVANTAGES
A widget engine keeps commercial communication (highlights and offers managed by the back office) clearly separate from customer personalisation (reorder, resize, hide and reset) - without either one crowding out the other.
External account aggregation (AISP) and management of consents granted to third parties (ASPSP) on the same platform - the bank aggregates what the customer holds elsewhere and controls what it exposes to third-party apps.
Spending and income, category budgets, savings vaults with automation and a net worth view all run on the same account and transaction data - without duplicating integrations in a separate PFM module.
INNOVA - the design system behind this platform - separates brand tokens (colour, typography, density) from components and application logic, in layers: foundations, semantic tokens, components, brand theme and interface. Switching brand means picking a theme, not rewriting screens.
FEATURES
Dynamic widget-based homepage: a bank zone (highlights, offers, campaign shortcuts) and a customer zone (reorder, resize, hide/restore via catalogue), managed independently of each other.
Actionable notifications: instead of a feed to browse, each notification takes the customer straight to the screen where the cause gets resolved - insufficient cover for a scheduled direct debit, a newly detected subscription.
Spending and income: period analysis with KPIs and drill-down by category, merchant, country, currency, card or account.
Category budgets: a spending limit set by the customer, with tracking against the three states (within limit, over limit, no limit set).
Account statement and commitments: transaction history with filters and export, plus a tab for upcoming financial commitments with an insufficient-cover alert.
Savings vaults: goals with a target date, automatic periodic top-ups and round-up on purchases, plus savings challenges with a committed amount.
Net worth: an integrated position by account type, with drill-down to the individual account and an explicit note whenever it includes external accounts via Open Banking.
Open Banking: a 4-step flow to connect external institutions (AISP) and manage consents granted to third parties (ASPSP), with full technical states (active, expiring, expired, revoked).
Conversational assistant: resolves balance enquiries, transaction history and transfers in natural language, automatically inferring the technical channel and recognising favourite payees.
Security Centre: a calculated security score from an actionable checklist (password, biometrics, devices, sessions), with device management, active sessions and the authentication channel - all in one screen.
A track record of real digital-channel implementations, each with its own brand - including banks recognised with market awards (Euromoney, FESTIPUB).
BUILT FOR
Mobile and internet banking currently run on separate systems, with a need to unify authentication, personalisation and day-to-day operations on a single engine.
Need to aggregate external accounts for their own customers while, at the same time, exposing their own accounts to third-party apps under consent.
Multi-account, multi-currency cashflow, operator management and a liquidity view for corporate customers, alongside the retail offering.
The back office keeps a commercial communication channel (highlights, offers) without taking away the customer's control over their own homepage.
HOW IT WORKS
Login with a password, OS-level biometrics or FaceTec, plus a second-confirmation channel (SAF) whenever the operation requires it.
The widget engine assembles the homepage from the bank's placements and the customer's already-saved preferences.
PFM, payments, savings, net worth and Open Banking all run on the same account data - without leaving the app for another system.
A security score, actionable notifications and device/session monitoring stay with the customer after login.
It's INM's digital channels platform: mobile banking and internet banking on a single base, with authentication and security, a personalisable homepage, financial health/PFM, Open Banking on both sides and a conversational assistant - integrated with the bank's existing core banking system, without replacing it.
Yes. The core connection is adapter-based - Banka, Finastra Essence, an in-house legacy system, whatever is already there - over API/ISO, with no change to the central system. The domestic side works the same way: each market's clearing house, EMIS in Angola included, plugs in through an adapter.
Both. Banks in markets with data-residency requirements usually choose on-premise; SaaS where regulation allows it.
Yes - on both sides: external account aggregation for the customer (AISP) and management of consents the bank grants to third-party apps over its own accounts (ASPSP), including the technical consent states (active, expiring, expired, revoked).
INM's own teams - we don't subcontract implementation. The same team runs, evolves and supports the product 24/7 after go-live.
Talk to our team to see how this product fits your ecosystem.