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Platform

Every layer built and operated in-house.

From the integration edge to the customer's screen. Six layers, one codebase, deployed on-premise or into your own cloud tenancy without a fork.

The stack

Six layers. Take one, or all of them.

The same stack our own engineers design and operate every deployment on — from the API layer to the intelligence engine, reused across every market rather than rebuilt for each one.

Maly engineers reviewing the platform architecture on a whiteboard: APIs, Core, Apps, Payments, Lending, Savings, KYC
01ExperienceBranded or white-labelled
iOSAndroidWebUSSDSDKMerchant PortalSoftPOSAgent AppSettlementOps ConsoleProduct ConfigRisk & LimitsCampaigns
02API & orchestrationREST & webhooks
REST & WebhooksEvent BusWorkflow EngineEntitlements & RBACIdempotency & RetryPartner Sandbox
03Core services & modulesTake one module or the whole set
Digital OnboardingAccounts & IBANsMulti-CurrencyCardsPaymentsLendingSavingsAI CompanionRecommendationMaly Paye-CommerceGroup SavingsCrowdfundingInvestmentValueBooster
04IntelligenceAI / ML · data science

Thin-file and no-file scoring on alternative data, trained per market, not imported from another book.

Credit Scoring EngineSimilarity ModelsAgentic & Gen-AIDecision SupportEarly WarningBehaviour-driven Offers
05Data platformGoverned by design
Streaming IngestionData LakeFeature StoreModel RegistryWarehouseLineage & Governance
06Integration fabricWe meet the systems where they already are
Core BankingMobile MoneyLegacy StacksNational SwitchPayment InfrastructureCard SchemesDigital IdentityAgency BankingCredit BureausData ProvidersTelcoOpen Banking

Security & compliance

ISO 27001 certified
  • Encryption at rest and in transit
  • HSM-backed key management
  • RBAC, maker-checker, full audit trail
  • Penetration tested
  • Data residency controls
  • Segregated tenant isolation
  • Secure SDLC and code review

Deployment

On-premise or private cloud
  • Same codebase in every mode
  • Inside your own regulatory perimeter
  • In-country hosting where the law requires it
  • AWS, Azure, Google Cloud, Alibaba Cloud
  • Sovereign private cloud and local data centres

Runtime

Built to stay up
  • Containerised, horizontally scalable
  • Blue-green and canary releases
  • Active monitoring and alerting
  • DR and multi-AZ topology
  • Target 99.9% platform availability

Supporting functions

Hosting & infra ops

AWS Microsoft Azure Google Cloud

Frontend & web dev

Flutter Progressive Web Apps

UI/UX

Figma

DevOps

GitLab

Payment networks

Visa Mastercard

Intelligence layer

Trained on your market, not imported from someone else's.

A scoring model built on a European or North American book does not transfer to a market where most applicants have no bureau file. Ours are trained per market, on the data that actually exists there.

What we read

National ID and biometric verification, telecom usage, mobile money and wallet behaviour, merchant and POS history, receivables, director and guarantor exposure, asset inspection with GPS and photo verification.

What it returns

Approve, restructure or decline. Restructure is the point: a thin file gets a reduced limit, a shorter tenor, a guarantor, security or a step-up line rather than a refusal.

Maly Score

Common questions

Before the technical workshop.

No. The integration fabric is built to sit alongside what you already run. Bank-in-a-Box integrates with an existing core, and most modernization programmes touch the experience and decisioning layers without changing the core ledger.
Where your regulator expects it. We deploy on-premise or into your own cloud tenancy, and run in-country hosting where local law requires it, including sovereign private cloud and local carrier-grade data centres. Cross-border transfer happens only on your instruction and where the supervisory authority permits it.
You are. Maly is a technology and operational services provider. We do not take deposits, do not lend, do not hold client money and do not make customer due diligence decisions. We configure the screening, limits, velocity rules and audit trails to your policy.
A full Bank-in-a-Box deployment runs under sixteen weeks. An onboarding transformation has been delivered in under eight. An enabler such as Maly Pay or group savings deploys in four to six weeks on rails that are already integrated.
Yes, and most institutions do. Every layer works standalone. The commercial model can start as a share of the upside, so the first module is proved on volume it creates rather than on a capital budget.
You take read access to all data throughout, and an exit package covering data extraction, documentation and transition support on termination.

Start the conversation

Book a technical workshop.

Two hours with your architects. We map the integration surface, the data residency constraint and the shortest route to a live module.

Request a workshop Developer docs