Industry
Digital banking that customers enjoy and auditors approve
We build the apps, onboarding flows, and staff tools your customers judge you by, and connect them safely to the core systems you already run. You modernize one journey at a time, without a risky big-bang replacement.
- 1,200+ clients helped
- Building since 2010
- 15 services, one team
- 50+ technologies
At a glance
What we build
We build digital banking apps, onboarding, lending and servicing tools, and the integrations that connect them to core banking systems.
Problems we solve
Customers expect app-first banking, but core systems are old, changes are slow, and every release must pass strict review.
Who we serve
Banks, credit unions, building societies, and their digital, operations, and technology teams.
How to choose
Start with one customer journey, such as account opening or loan applications, and connect it cleanly to the core.
What is different
Why banking modernization works best in steps
Banks carry decades of systems that still work and still hold the money. Replacing them all at once is expensive and risky, and many such projects stall. Meanwhile customers compare your app with the best ones on their phone.
We take a different path. We pick one journey, build a modern front end and the services behind it, and connect it to the core through a controlled layer. Each release is reviewed, tested, and reversible.
Customers feel the improvement within months, and your risk team sees evidence at every step.
Our role is to make each step small enough to approve and safe enough to undo. Your teams keep ownership of the core, the data, and the decisions, and we leave behind code, tests, and documentation they can run without us.
Typical projects
Banking projects, costs, and timelines
Banking work is planned journey by journey. These are typical starting points.
| Project | What it includes | Typical cost | Typical timeline from approved scope |
|---|---|---|---|
| Journey redesign in the current app | Research, design, and build for one customer journey | $20,000 to $40,000 | 6 to 8 weeks |
| Digital account opening | Identity checks, account setup, and staff handoff | $32,000 to $64,000 | 8 to 12 weeks |
| Loan origination tool | Applications, documents, decisions, and offers | $40,000 to $80,000 | 2 to 3 months |
| Integration layer and new channel | Controlled access to the core for new apps | $64,000 to $120,000+ | 3 to 4 months |
Every project is quoted in writing after a short call. The top of each range covers larger builds and more integrations. The timeline starts once the scope is approved and we have what we need from you.
What you get
What banks get from us
Better journeys
- Apps customers rate highly.
- Fewer abandoned applications.
Lower risk
- No big-bang core replacement.
- Reversible
- reviewed releases.
Efficiency
- Staff tools that end calls sooner.
- Less manual rework.
Evidence
- Logs and controls for audit.
- Clear reporting.
How we deliver
How we modernize a banking journey
Each journey moves from baseline to staged release in about two to three months, with risk and compliance involved from the first prototype.
Choose the journey
We agree one journey with clear value, such as account opening, and measure it today.
What it produces
- Journey baseline
- Success measures
Design and validate
We prototype the journey with real customers and review it with risk and compliance early.
What it produces
- Tested prototype
- Review notes
Build the integration layer
We connect to the core through a controlled layer, never by changing it directly.
What it produces
- Integration services
- Test environment
Release in stages
We release to a small group, monitor closely, then widen to all customers.
What it produces
- Staged release
- Monitoring
What we build
Banking software we build
Each of these connects to your existing core through a controlled layer, so new journeys go live without touching the system that holds the money.
Mobile and online banking
Balances, transfers, cards, and statements in an app customers rate highly.
Digital account opening
Identity checks and account setup in one sitting, with a handoff to staff when needed.
Loan origination tools
Applications, document collection, decisions, and offers that move in days, not weeks.
Staff servicing console
One screen for customer details, requests, and history, so calls end sooner.
Integration layer
A controlled connection between new apps and the core, with logging and limits.
Management reporting
Accurate daily figures for leaders and regulators, from one agreed set of definitions.
Technical depth
Technical notes for banking
What your architecture and security teams will ask about the core, data, and access.
- We connect through the interfaces your core system offers and add a layer that controls volume and logs every call.
- Test environments use synthetic data, never real customer records.
- Strong customer authentication and device checks protect every sign-in.
- Staff access is role-based and reviewed, and every action is logged.
What clients say
Teams like yours, in their own words
We used to oversell items when store stock fell out of step. We no longer find out about a mismatch from an upset customer.
Zara ThompsonInventory Control ManagerUrban Basket StoresRetail The booking team had to copy customer details into the CRM after every call. DECHY fixed that handoff, and we're no longer entering the same information twice.
Liam MurphyBookings and CRM ManagerEvergreen Appointment ServicesProfessional Services We can finally see who has access and who approved it. The old spreadsheet was always behind.
Andre WilsonIT Operations ManagerMeridian Business ServicesProfessional Services
Common questions
Questions about banking software
Do we need to replace our core banking system?
Usually not. Most of the value comes from new journeys connected to the core you have. We replace parts only when it clearly pays.
How long does a new banking journey take?
A focused journey such as account opening usually takes 8 to 12 weeks, including reviews, testing, and a staged release.
How do you handle regulatory review?
We involve your risk and compliance teams from the first prototype and provide documentation, tests, and logs as evidence.
Can you work with our in-house team?
Yes. We often work alongside bank teams, sharing code standards and handing over everything we build.
What does a banking project cost?
Most journeys cost $32,000 to $80,000 depending on integration and review needs. Larger programs are planned in stages.
Can you improve the app we already have?
Yes. Many banks start by fixing the journeys customers complain about in their current app, before building anything new.
Have a different question?
Tell us what you are weighing up and we will answer it plainly.
Ask a questionAlready a client? Email support@dechytech.com
Tell us which journey to fix first
Describe the journey and the systems behind it. We reply with a plan, a price range, and a timeline.