The operating system for the modern banking enterprise.
ADIBA is a banking infrastructure that positions new and existing financial institutions for the new age of digital innovation — three solution pillars, native and connector-based cores, a pre-integrated merchant network, and an AI-native insights layer.
Banking infrastructure, re-imagined as one cohesive suite.
ADIBA is an operating system for the modern banking enterprise. It brings together everything a bank needs to launch, operate and scale digital products — without the friction of stitching point solutions together.
Acquire
Omnichannel APIs to onboard and serve customers across every channel.
Operate
BackOffice Console for frictionless day-to-day operations.
Interconnect
Open Banking suite for partnerships, payments and data sharing.
Extend
Merchant network, AI agents and insights layer baked in.
One suite, three points of leverage.
Each pillar can stand on its own — together they form a complete operating model for digital-first banking.
Omnichannel APIs
Acquire and serve more customers across web, mobile, branch and partner channels — with consistent experiences and unified data.
BackOffice Console
Frictionless operational efficiency for day-to-day administration — configurable workflows, role-based controls, and unified reporting.
Open Banking suite
Interconnectedness across the financial ecosystem — payment initiation, account data, verification and partner integrations.
Meet customers where they already are.
ADIBA's Omnichannel APIs let you launch products that feel native on web, mobile, branch and partner channels — with one consistent data model behind them.
- Onboarding and KYC orchestration
- Accounts, cards and payments
- Notifications and consent
- Partner-channel APIs
A growing family of products built on the same foundation.
Each ADIBA product has its own dedicated site and team, all sharing the same infrastructure, data model and operational backbone.
ADIBA Open Banking
Global open banking infrastructure for payments, financial data, verification and recurring authorizations.
ADIBA Retail Engine
A configurable core for retail banking products — accounts, cards, lending and onboarding, ready to deploy.
More on the roadmap
Additional products are joining the suite. Talk to us about what you need next — or follow along as we ship.
Native cores, or your existing stack — your choice.
ADIBA ships with out-of-the-box core banking, identity & access management and CRM. Already invested in legacy systems? Use our connectors and keep what works.
Out-of-the-box cores
Core banking, IAM and CRM ship as part of the suite. Stand up a working bank quickly without procuring three more vendors.
Legacy connectors
Have an existing core? Plug it in via our connector framework and adopt ADIBA at your own pace — module by module.
The console your operations team will actually use.
BackOffice Console gives your back office configurable workflows, granular role-based access and unified reporting — so the people running the bank can move faster, with fewer tickets.
A pre-integrated network of enabling partners.
Beyond technology, ADIBA brings a curated network of merchants — KYC providers, credit bureaus, payment partners and more — already wired into the platform.
Imagine you're rolling out credit services but don't yet know who handles credit checks or identity lookups in your market. ADIBA's merchant network gives you ready partners for exactly that — significantly lowering the barrier to launch new products.
Enriched data, surfaced through AI agents.
ADIBA's insights layer turns raw activity into the most relevant reports and signals — and our AI agents put that intelligence to work across personalization, fraud management and operations.
Insights layer
Enriched data and contextual reporting on every customer, product and operation.
Personalization agent
Tailored offers and journeys based on real behavior, not segments.
Fraud agent
Continuous risk scoring with explainable interventions and audit trails.
Friendly subscriptions, designed for trying things out.
ADIBA is wrapped in transparent subscription tiers and a seamless interface so your team can experiment with the suite before committing.
- Starter — sandbox & first product
- Growth — multi-product, scaled ops
- Enterprise — dedicated, custom SLAs
Ready to modernize your bank?
See how the ADIBA Suite fits your roadmap — from a single product to a full operating system.