Retail Banking

A platform that makes innovation happen.

A Retail Banking Solution that allows you to deliver the experiences you’ve always wanted.

Supercharge your banking services.

Platform features

What consumer products can you launch with Layer?

A perfect blend of traditional and neobank capabilities. All on a single platform that works seamlessly across any device.

Deposit account

Standard deposit and transaction account that supports a wide range of services.

Savings account

Interest-bearing savings accounts with a high level of configuration.

Savings goals

Set up savings goals and rules and track progress along the way.


Send and receive payments easily at a touch of a button.

Debit cards

A variety of debit card options with contactless payments.

Virtual cards

Offer single-use cards to your customers when shopping online for extra safety.

Credit cards

Fully configurable credit cards with built-in rewards.


Offer and manage secured and unsecured loans from one dashboard.

FX accounts

Allow your customers to pay like a local and get favourable exchange rates.


Offer secure and convenient storage of customer data in a digital wallet.


Money management with spending analytics and insights.


Gameify typical elements of banking to encourage customer engagement.

More than just banking.

Our platform enables you to offer a wide-range of innovative features and products turning your simple banking app into a Layer super app.


Money management with spending analytics and insights.


Gameify typical elements of banking to encourage customer engagement.


Reward your customers with deals and offers from local merchants.

Wealth Mgmt.

Empower your customers to reach their financial goals faster with our Wealth Management module.


More than just banking. Integrate any 3rd party service to allow your customers run their lives their Super App.


Easily support your customers on any channel with the Layer Chatbot.

Augmented Reality.

Bring your financial world to life with Layer’s Augmented Reality.


Banking on the go. Deliver all your banking services on any device.


Innovation Studio.

The Layer Innovation Studio allows you to easily create any user experience you want without the need for any dev work.

Unique user experiences

Granular user segmentation.

Layer Customer Segmentation is based on customer data within the Layer Data Warehouse. Customer data points such as demographic information or financial behaviour, enable Layer clients to define and create customer segments within the Layer Console.


Layer marketplace.

The Layer Marketplace allows you to easily integrate with innovators and market-leaders to extend your digital bank on our platform.

Customer Reviews

Delivering success

We did a thorough digital banking platform evaluation across the global market and found Layer to be the best platform, considering advancement in technology, richness of features, lowest TCO and speed of implementation.

Akosa Onyebuchi

Akosa Onyebuchi

Group CIO – UBA Bank

No more restrictions

A platform that allows bankers to be creative again.

As a trusted partner for banks around the world, Layer’s banking platform helps financial services companies reduce cost, compete with new challengers and above all…innovate. 

Reduce cost

Reduce cost

Dramatically reduce Opex across your entire organisation.

Become digital

Become digital

We digitise the entire banking stack to allow you become purely digital.



Build amazing products using our Experience Studio module.

Our platform supports over 25 million customers globally in 5 languages.

layer clients

Transform your bank without touching the core.

Schedule a 30 minute call and we’ll show you how.

The open banking engagement platform for innovative digital financial institutions and brands.