Your core banking system works. What your customers see don't always live up to it. KukenFi modernizes the experience without migrating the core: it plugs into the one you run, or brings its own.

Three design decisions that change everything.

01

Core-agnostic

The platform connects to your core banking system and builds the experience around it. You modernize what your customers see without touching what runs the business.

02

Multi-entity

One platform serves multiple entities or brands, each with its own identity, products and isolated data.

03

Bank-grade security

Strong authentication, end-to-end encryption and full traceability. Compliance is not an add-on: it's the starting point.

It grows from your core. Layer by layer.

Your core banking system is the center. KukenFi builds the customer-facing modules around it and turns every movement into data that works for you.

Black steel base with translucent glass layers floating above it and cyan light between them — The core

A core that already works: yours.

KukenFi plugs into the core banking system you already run and builds the experience around it: accounts, cards, deposits and wallet, with the customer's position always up to date. No core of your own? KukenFi brings one.

Your core or oursAPI integrationAccounts · Cards · WalletReal-time position

Forinstitutions that want to modernize the experience without migrating the core.

Dark glass modules assembling around a cyan light seam — The modules

Modules that wrap around it.

Each layer is a module you switch on when you need it: customers onboard 100% digitally, pay via SEPA or international transfers and sign every sensitive transaction with two factors.

100% digital onboardingSEPA · International · RecurringTwo-factor signingPSD2 / SCA

Forteams launching financial products without building a bank from scratch.

Streams of cyan light particles flowing across a dark glass floor — The data

And the data flows outward.

Every business event becomes customer communication and operational traceability: push, email and SMS in real time, statements, reconciliation and a full audit trail.

Push · Email · SMSReal-time eventsPDF statementsAudit & reconciliation

Foroperations and compliance: your business under control.

Built to operate where failure is not an option.

PSD2 · SCA

Strong customer authentication and the login flows required by European payments regulation.

E2E encryption

Sensitive data travels encrypted end to end, from the customer's device to the bank.

Signing & non-repudiation

Sensitive transactions signed with two factors, legally valid in the event of a dispute.

Full audit

Every transaction is recorded and reconciled. Complete traceability for the regulator and for you.

The banking experience your core deserves.