BaaS solutions to launch challenger banking models with compliance baked in, enabling faster and secure neobank enablement.
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BaaS & Neobank Enablement Solutions Explained
Sigma, as one of the banking-as-a-service providers, offers solutions that create a robust infrastructure to launch and scale digital banks. They combine core banking API solutions, digital onboarding solutions for fintech, and card issuing platforms with compliance-ready BaaS to deliver end-to-end, secure, and scalable banking experiences.
Why Digital-First Banking?
Banking is no longer just a service—it’s an experience. Sigma’s Banking-as-a-Service solutions and neobank enablement solutions empower financial institutions to launch faster, scale smarter, and deliver seamless customer journeys without limits.
- Agile, API-first architecture with core banking API solutions to adapt to market shifts
- Cloud-native modular systems that grow with customer base
- Compliance-ready BaaS solutions that inspire trust from day one
- Unified experiences with digital onboarding platforms for fintech and card issuing platforms
Our BaaS & Neobank Enablement Solutions
Neobank enablement solutions for BaaS platform development
Sigma’s Banking-as-a-Service (BaaS) and neobank enablement solutions help fintechs, banks, and credit unions launch digital banking faster. Our core banking API solutions and digital onboarding solutions for neobanks power everything from virtual bank accounts to fintech compliance API integration, delivering scalable, regulation-ready platforms across the USA and other countries.
Key features:
- Modular Banking-as-a-Service (BaaS) solutions for fast product launches, enabling neobank enablement with compliance-ready digital banking.
- Core banking API solutions for fintechs, designed to power virtual bank accounts and seamless digital banking experiences.
- Card issuing solutions with integrated KYC, streamlining digital onboarding for fintechs, neobanks, and challenger banks.
- Virtual bank account solutions combined with embedded finance infrastructure to expand financial services on any platform.
- Compliance-ready BaaS solutions tailored for the US and global markets, ensuring regulatory alignment and secure innovation.
Compliance-ready BaaS solutions for digital account opening and fast, paperless onboarding
Sigma’s Banking-as-a-Service solutions enable frictionless digital account opening with paperless onboarding for fintechs and digital banks. By integrating robust third-party KYC tools and real-time identity verification, our solutions reduce drop-offs, enhance security, and accelerate the acquisition of fully compliant customers.
Key Features:
- Digital account opening solutions with mobile-first, instant account creation enabled by secure eKYC integration.
- Paperless onboarding for fintech using advanced KYC tools and document scanning to ensure fast and compliant sign-ups.
- Real-time identity verification solutions with built-in validation to reduce fraud and support trusted customer acquisition.
- Customer onboarding solutions that streamline compliant workflows for digital banks and neobanks across global markets.
Neobank enablement solutions with KYC/AML integrations for regulatory-first digital banking
Sigma’s solutions, encompassing fintech AML compliance software with real-time risk profiling, empower digital banks and neobanks to keep a tab on fraudulent transactions. Our KYC/AML integration solutions combine automated identity verification for digital banks with global watchlist screening and AI-powered monitoring, ensuring secure, compliant, and seamless onboarding for fintechs and digital banks.
Key Features:
- Automated identity verification for fintech with real-time KYC and AML checks during customer onboarding.
- AI/ML-powered risk scoring integrated with fintech AML compliance software to detect suspicious transactions instantly.
- Global watchlist and sanctions screening via KYC/AML integration for secure, compliant digital banking operations.
- Frictionless user journeys enabled by AML solutions for BNPL and microfinance, balancing speed with compliance.
- API-first architecture for banking platforms supporting open finance API infrastructure and PSD2-compliant integrations.
Explore
As one of the banking-as-a-service providers, our effective BaaS solutions transform fintech innovation and market reach.
Faster Market Entry
Our Banking-as-a-Service and neobank enablement solutions for onboarding, card issuance, and APIs allow digital banks to get to market faster.
Compliance Without Complexity
Our compliance-ready BaaS solutions, formulated considering regulatory frameworks and fintech compliance, allow digital banks to effortlessly maintain a robust compliance position.
New Revenue Streams
Our BaaS solutions allow digital banks to offer users virtual banking accounts, embedded financing, and new payment offerings, paving the way for new revenue streams of growth.
Scalable Growth
Our API-first, cloud-native digital banking solutions bring high-volume growth, crucial for neobanks to scale without limits.
Digital-first banking demand is rising rapidly!
The global neobank market value is projected to surge to $471.0 billion by 2027, growing at a CAGR of 48.1%.
Sigma’s Banking-as-a-Service Solutions: Powering Neobank Enablement & Growth
Our Banking-as-a-Service solutions, neobank enablement, and core banking API solutions help fintechs and financial organizations launch challenger banks, integrate card issuance, deliver embedded finance offerings, and scale with compliance-ready infrastructure.
Banking-as-a-Service solutions for End-to-End Neobanking in 4 Phases
Plan & Architect
Align tech and compliance strategy
Develop & Integrate
Build APIs, onboarding, and card services
Test & Certify
Secure and regulatory-ready deployments
Launch & Scale
Live deployment with growth support
Ready to Transform Your Digital Banking Journey with Compliance-Ready Banking-as-a-Service Solutions?
From neobank enablement solutions and core banking API solutions to digital onboarding solutions for challenger banks, cloud-native banking platforms & card issuing solutions, and embedded finance solutions for fintechs- Our Banking-as-a-Service solutions help financial institutions and app-based banks, including online-only banks and fintech start-ups, accelerate innovation, unlock new revenue streams, and stay compliant with regulatory standards.
Together with Clients, We Build Fintech That Performs
Success Stories
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Read moreFrequently Asked Questions
What is BaaS (Banking-as-a-Service) and why is it important for digital banks?
BaaS allows digital banks, neobanks, challenger banks, and online banks to build and launch financial services through modular, API-first infrastructure. With Sigma Infosolutions’ enablement solutions, fintechs can deploy payments, compliance, onboarding, and card issuance capabilities—supported by open banking infrastructure, API-driven banking infrastructure, and a modular fintech architecture—without building a bank from scratch.
How do neobanks and challenger banks launch faster with BaaS solutions?
By leveraging ready-to-integrate APIs for payments, KYC/AML, and core banking, neobanks and online banks can reduce time-to-market from years to months. Sigma provides a compliance-ready foundation so fintechs can focus on user experience and growth instead of regulatory heavy lifting.
What payment rails can digital banks integrate with BaaS solutions?
Sigma enables integration with FedNow, ACH, RTP, and card networks, giving digital banks flexibility to power instant transfers, recurring payments, and wallet connectivity within an API-first, secure digital payment system. This capability fits into a scalable neobank ecosystem built to support modern payment flows.
How does card issuance work for neobanks and fintechs?
Through BaaS enablement, fintechs can issue branded debit, credit, and virtual cards via APIs. Sigma configures spend controls, fraud checks, and wallet linking so that fintechs can offer secure, modern payment experiences.
Why is compliance critical for digital-first banks?
For neobanks and online banks, compliance with KYC, AML, and PCI-DSS standards is essential. Sigma’s solutions ensure compliance-ready payment flows, sanctions screening, and automated fraud monitoring so fintechs stay regulator-ready without slowing innovation.
How does KYC/AML integration improve customer onboarding?
Sigma’s API-driven KYC/AML tools automate identity verification, risk scoring, and watchlist checks. This empowers neobanks and challenger banks to onboard customers efficiently while reducing fraud—crucial for fintech customer onboarding platforms that must balance speed with compliance.
Can Sigma help fintechs embed banking services into their apps?
Yes. Using BaaS APIs, fintechs, BNPL apps, and gig platforms can embed payments, lending, card issuing, and account services directly inside their apps. Sigma supports the modular fintech architecture needed to turn any application into a financial hub, without depending on pre-built platforms.
What role does real-time analytics play in neobank growth?
Real-time data helps challenger banks track activity, detect anomalies, and optimize financial products. Sigma provides real-time payment and risk analytics optimized for a scalable core banking API environment—allowing fintech startups to grow intelligently and securely.
How do digital banks ensure scalability with BaaS?
By leveraging cloud-native neobank solutions and a modular fintech architecture, fintechs can grow as user demand increases. Sigma ensures that core banking, payments, and compliance evolve seamlessly through scalable core banking APIs for fintech startups—without rebuilding systems.
What makes Sigma Infosolutions different in BaaS enablement?
Unlike generic one-size-fits-all offerings, Sigma delivers tailored, compliance-ready BaaS enablement solutions—spanning card issuance, payment rails, onboarding, and open banking APIs. Sigma specializes in API-driven banking infrastructure, white-label neobank infrastructure solutions, and BaaS API integrations that help fintechs launch faster, scale stronger, and maintain full compliance.