Financial & Insurance

Large-Scale Banking Modernization & Digital Pivot

Our Client’s Backstory

Our client is a large Austrian financial institution serving over 2.5 million customers with a portfolio of retail, corporate, and investment products. Facing competition from emerging neobanks and digital-first challengers, the bank’s leadership recognized a critical need to modernize their legacy infrastructure. The objective was to evolve from a traditional, branch-centric organization into a flexible, tech-powered solution provider capable of delivering an omnichannel banking experience across Austria, Germany, and Switzerland.

The Challenge

Modernizing a multi-decade legacy ecosystem required overcoming technical and cultural hurdles. Key challenges included:

Legacy Infrastructure Constraints: Decoupling modern financial services from a rigid, IBM mainframe-based core and dozens of fragmented legacy applications.
Neobank Competition: Engineering a user experience that matches the speed, agility, and intuition of digital-only challengers while maintaining institutional security.
Architectural Rigidity: Transitioning from a monolithic, slow-to-deploy structure to a scalable system that supports rapid feature iteration.
Cultural Transformation: Shifting a traditional banking culture toward an agile-driven organizational model to accelerate product delivery.

The Solution

Klika was engaged as a technical partner to architect and implement a next-generation banking ecosystem from the ground up. Our solution included:

Domain-Driven Microservices Architecture

Engineered an ecosystem of over 200 microservices using Java/Spring, orchestrated via Kubernetes for maximum scalability and resilience.

Mainframe Decoupling Strategy

Implemented a specialized integration layer that utilizes the legacy IBM mainframe solely as a business system utility, freeing the front-end platform for rapid innovation.

Omnichannel Product Engine

Developed a dual-layered domain model, creating specialized services for mobile onboarding and web-based loans alongside shared internal utilities for cross-channel consistency.

Agile Delivery Framework

Spearheaded the adoption of a "Spotify-style" agile model, supported by high-frequency CI/CD pipelines to enable weekly product releases.

SaaS Loan Ecosystem

Engineered specialized "Fast Loan" products integrated with major retail partners (e.g., Saturn, Mediamarkt) and various marketing automation tools.

High-Fidelity Mobile Experience

Developed native iOS and Android applications, providing a seamless, neobank-grade interface for 2.5 million users.

The Solution

Klika was engaged as a technical partner to architect and implement a next-generation banking ecosystem from the ground up. Our solution included:

Domain-Driven Microservices Architecture

Engineered an ecosystem of over 200 microservices using Java/Spring, orchestrated via Kubernetes for maximum scalability and resilience.

Mainframe Decoupling Strategy

Implemented a specialized integration layer that utilizes the legacy IBM mainframe solely as a business system utility, freeing the front-end platform for rapid innovation.

Omnichannel Product Engine

Developed a dual-layered domain model, creating specialized services for mobile onboarding and web-based loans alongside shared internal utilities for cross-channel consistency.

Agile Delivery Framework

Spearheaded the adoption of a "Spotify-style" agile model, supported by high-frequency CI/CD pipelines to enable weekly product releases.

SaaS Loan Ecosystem

Engineered specialized "Fast Loan" products integrated with major retail partners (e.g., Saturn, Mediamarkt) and various marketing automation tools.

High-Fidelity Mobile Experience

Developed native iOS and Android applications, providing a seamless, neobank-grade interface for 2.5 million users.

The Solution

Klika was engaged as a technical partner to architect and implement a next-generation banking ecosystem from the ground up. Our solution included:

Domain-Driven Microservices Architecture

Engineered an ecosystem of over 200 microservices using Java/Spring, orchestrated via Kubernetes for maximum scalability and resilience.

Mainframe Decoupling Strategy

Implemented a specialized integration layer that utilizes the legacy IBM mainframe solely as a business system utility, freeing the front-end platform for rapid innovation.

Omnichannel Product Engine

Developed a dual-layered domain model, creating specialized services for mobile onboarding and web-based loans alongside shared internal utilities for cross-channel consistency.

Agile Delivery Framework

Spearheaded the adoption of a "Spotify-style" agile model, supported by high-frequency CI/CD pipelines to enable weekly product releases.

SaaS Loan Ecosystem

Engineered specialized "Fast Loan" products integrated with major retail partners (e.g., Saturn, Mediamarkt) and various marketing automation tools.

High-Fidelity Mobile Experience

Developed native iOS and Android applications, providing a seamless, neobank-grade interface for 2.5 million users.

The Solution

Klika was engaged as a technical partner to architect and implement a next-generation banking ecosystem from the ground up. Our solution included:

Domain-Driven Microservices Architecture

Engineered an ecosystem of over 200 microservices using Java/Spring, orchestrated via Kubernetes for maximum scalability and resilience.

Mainframe Decoupling Strategy

Implemented a specialized integration layer that utilizes the legacy IBM mainframe solely as a business system utility, freeing the front-end platform for rapid innovation.

Omnichannel Product Engine

Developed a dual-layered domain model, creating specialized services for mobile onboarding and web-based loans alongside shared internal utilities for cross-channel consistency.

Agile Delivery Framework

Spearheaded the adoption of a "Spotify-style" agile model, supported by high-frequency CI/CD pipelines to enable weekly product releases.

SaaS Loan Ecosystem

Engineered specialized "Fast Loan" products integrated with major retail partners (e.g., Saturn, Mediamarkt) and various marketing automation tools.

High-Fidelity Mobile Experience

Developed native iOS and Android applications, providing a seamless, neobank-grade interface for 2.5 million users.

The Solution

Klika was engaged as a technical partner to architect and implement a next-generation banking ecosystem from the ground up. Our solution included:

Domain-Driven Microservices Architecture

Engineered an ecosystem of over 200 microservices using Java/Spring, orchestrated via Kubernetes for maximum scalability and resilience.

Mainframe Decoupling Strategy

Implemented a specialized integration layer that utilizes the legacy IBM mainframe solely as a business system utility, freeing the front-end platform for rapid innovation.

Omnichannel Product Engine

Developed a dual-layered domain model, creating specialized services for mobile onboarding and web-based loans alongside shared internal utilities for cross-channel consistency.

Agile Delivery Framework

Spearheaded the adoption of a "Spotify-style" agile model, supported by high-frequency CI/CD pipelines to enable weekly product releases.

SaaS Loan Ecosystem

Engineered specialized "Fast Loan" products integrated with major retail partners (e.g., Saturn, Mediamarkt) and various marketing automation tools.

High-Fidelity Mobile Experience

Developed native iOS and Android applications, providing a seamless, neobank-grade interface for 2.5 million users.

The Result

The transformation has redefined the bank's operational efficiency and market competitiveness.

200+ Production Microservices

Successfully launched a high-availability microservice ecosystem that powers all modern banking functions.

Reduction in Operational Costs

Modernized architecture significantly lowered maintenance overhead and eliminated redundancies in software implementation.

Increased Release Velocity

Empowered dozens of autonomous squads to move from slow quarterly cycles to almost weekly product releases.

Neobank-Grade CX

Delivered a holistic, real-time customer journey that successfully rivals the most advanced digital-only banks in Europe.

Future-Proof Scalability

The cloud-native foundation now supports the bank's long-term expansion goals with high technical reliability.

The Result

The transformation has redefined the bank's operational efficiency and market competitiveness.

200+ Production Microservices

Successfully launched a high-availability microservice ecosystem that powers all modern banking functions.

Reduction in Operational Costs

Modernized architecture significantly lowered maintenance overhead and eliminated redundancies in software implementation.

Increased Release Velocity

Empowered dozens of autonomous squads to move from slow quarterly cycles to almost weekly product releases.

Neobank-Grade CX

Delivered a holistic, real-time customer journey that successfully rivals the most advanced digital-only banks in Europe.

Future-Proof Scalability

The cloud-native foundation now supports the bank's long-term expansion goals with high technical reliability.

The Result

The transformation has redefined the bank's operational efficiency and market competitiveness.

200+ Production Microservices

Successfully launched a high-availability microservice ecosystem that powers all modern banking functions.

Reduction in Operational Costs

Modernized architecture significantly lowered maintenance overhead and eliminated redundancies in software implementation.

Increased Release Velocity

Empowered dozens of autonomous squads to move from slow quarterly cycles to almost weekly product releases.

Neobank-Grade CX

Delivered a holistic, real-time customer journey that successfully rivals the most advanced digital-only banks in Europe.

Future-Proof Scalability

The cloud-native foundation now supports the bank's long-term expansion goals with high technical reliability.

The Result

The transformation has redefined the bank's operational efficiency and market competitiveness.

200+ Production Microservices

Successfully launched a high-availability microservice ecosystem that powers all modern banking functions.

Reduction in Operational Costs

Modernized architecture significantly lowered maintenance overhead and eliminated redundancies in software implementation.

Increased Release Velocity

Empowered dozens of autonomous squads to move from slow quarterly cycles to almost weekly product releases.

Neobank-Grade CX

Delivered a holistic, real-time customer journey that successfully rivals the most advanced digital-only banks in Europe.

Future-Proof Scalability

The cloud-native foundation now supports the bank's long-term expansion goals with high technical reliability.

The Result

The transformation has redefined the bank's operational efficiency and market competitiveness.

200+ Production Microservices

Successfully launched a high-availability microservice ecosystem that powers all modern banking functions.

Reduction in Operational Costs

Modernized architecture significantly lowered maintenance overhead and eliminated redundancies in software implementation.

Increased Release Velocity

Empowered dozens of autonomous squads to move from slow quarterly cycles to almost weekly product releases.

Neobank-Grade CX

Delivered a holistic, real-time customer journey that successfully rivals the most advanced digital-only banks in Europe.

Future-Proof Scalability

The cloud-native foundation now supports the bank's long-term expansion goals with high technical reliability.

Technology Stack

Java/Spring

Kubernetes

Docker

Kafka

Azure Cloud

OAuth2/JWT/2FA

ELK Stack

Technology Stack

Java/Spring

Kubernetes

Docker

Kafka

Azure Cloud

OAuth2/JWT/2FA

ELK Stack

Technology Stack

Java/Spring

Kubernetes

Docker

Kafka

Azure Cloud

OAuth2/JWT/2FA

ELK Stack

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