Build modern digital banking experiences with a composable experience platform

Build reusable banking components, develop custom business logic, and leverage the low-code platform’s plug ‘n’ play model.


Shobhit Mathur

Senior Director And Category Head - BFS - WaveMaker

Delivering contextual digital banking experiences fast: The need of the hour for banks

Increased digitalization and the advent of “anytime, anywhere” banking solutions, have led banks to view their digital infrastructure with a new lens. In order to remain significant in the rapidly evolving financial services ecosystem, they need a razor-sharp focus on 3 key aspects:



Deep Personalizations

As they adopt  “Composable Banking” and start collaborating with niche players, banks need a development platform that can provide the impetus to roll out newer personalized consumer journeys built over internal and external APIs.

Reimagine Banking Solutions with Composability

  • Use WaveMaker low-code to compose custom applications with existing investments, at speed and scale
  • Offer personalization with the power of product-grade scaling and iron-clad security
  • Create reusable banking components that can be plugged and played into any application

Composable Software: 
The modern banking tech stack

Break down and componentize all business capabilities with WaveMaker’s prefabs and journeys—custom experience components that can be distributed, customized, and assembled via low-code to compose delightful, multi-channel experiences quickly and at scale.

Build a custom studio, rich with experience components for business developers/citizen developers across your enterprise.

What can banks do with WaveMaker?

Embrace composability and see the real difference it makes in your business.

Launch composable digital platforms quickly

Build customer engagement portals for “everyday” retail banking needs like virtual card management, deposit accounts, and loan management. Create centralized dashboards and management systems for multiple accounts for corporate clients.

Create a modern internal user experience efficiently

Modernize internal applications like dispute management, resource management, credit & transaction history management, and cash management. Launch unique modern user experiences for employees and vendors in a cost-effective way.

Facilitate embedded finance for SMBs with a white-labeled platform

Use low-code to develop your own (read: white-labeled) API-inundated platforms. Enable small and medium banking players in the ecosystem to design and deliver embedded finance services backed by banking infrastructure and compliance capabilities.

The WaveMaker Advantage


Equip yourself with new-age, future-proofed technologies and compete with the best.


Build iteratively from MVP to customer go-lives with 3X velocity.


Test the market pulse and innovate iteratively.


Incubate and scale a 3rd party developer ecosystem.

The open low-code platform of choice for ISVs

The only low-code platform which gives you complete control and freedom over your assets.

Open Standards

Banking apps built on WaveMaker, are based on a proven, globally adopted open standards-based tech stack, that keeps your apps fresh, up-to-date, and free from potential vulnerabilities. Developers find it easy to adopt and onboard on a platform based on well-known technologies such as Angular, Bootstrap, Hibernate, Spring, and more.

Developer-seat Licencing Model

Banking is a high-volume business. The transparent developer-seat licensing model is hassle-free, simple, and non-constrictive; allowing teams to create as many applications as they want and deploy them wherever they want, lowering development and implied futuristic costs.

No Vendor Lock-in

Free yourself from the clutches of lock-in and have complete control over your assets and applications—no limits on the number of applications or users. With no license restrictions on runtime libraries, you can deploy on any platform, not just WaveMaker’s.

Real Code Behind

WaveMaker app-generated code mirrors developer-written code. Extend and customize code and components without being tied to the platform. WaveMaker platform generates code that is clean, readable, has no hidden logic, no metadata, and nothing proprietary—just powerful capabilities and better control.

Extensible Code

Extend and customize code and components without being tied to the platform. The Maven-compliant auto-generated app code can be exported and customized out of the platform into any IDE of choice, any time, any number of times.

Freedom of custom code

WaveMaker allows multiple extension points that allow custom coding. Create your own Java libraries and import them into WaveMaker as a Java service. Build your own custom UI styling and extensions using JavaScript. Integrate any external AngularJS and jQuery UI controls into the WaveMaker platform as a drag-and-drop UI widget.


Thoughts and Insights


Banking on security

Fortune 500 US-based bank adopts WaveMaker low-code platform to create iron-clad applications with stringent security tests.

Helping banks navigate digital transformation

Vikram Srivats, VP and General Manager at WaveMaker joins a podcast by Soarpay to discuss WaveMaker, and how banks can successfully navigate digital transformations.

SVB Netherlands modernizes its internal applications with WaveMaker

Banko di Seguro Sosial IT team makes continuous use of WaveMaker to modernize mission-critical applications in a matter of months.