In recent years, a wide range of technologies (such as mobile devices, big data, Artificial Intelligence, APIs) have been deployed, enabling new, innovative financial services to provide customers with location-free, simple, and automated services 24/7. These changes have transformed consumer habits and enabled technology providers (FinTech and BigTech companies) to appear in the financial sector. The entry of new players has brought along new business collaboration models: today, the cooperation between banks and FinTech companies has become typical, whereby several service providers offer services coordinated at the IT systems level, to customers (e.g. online shopping, bond crediting).


The trend is clear. In the next 5 to 10 years, banks and other financial organizations should make all their services available to their customers and partners 24/7 automatically, via any electronic channel (e.g. Internet bank, mobile bank, APIs). This is the world of digital banking (open banking or digital banking).

This change, from an IT perspective, poses a huge challenge to most financial institutions. The current banking systems of financial institutions are typically unable to serve 24/7 because they run daily closing processes (e.g. interest calculation, settlement of accounts), during which time these systems are virtually unavailable to the outside world.

DigiTie helps.


DigiTie is a 24/7 software that handles a wide range of electronic channels (e.g. mobile banking, APIs) and is able to provide the complex services provided by the basic banking system (e.g. account management and transaction management, lending, deposit management) even if basic banking systems are not available.

Self-contained, complex service is one of DigiTie's biggest benefits.

The majority of the software serving electronic channels are more likely to mediate between the clients/partners' software (e.g. mobile banking, webshop) and basic banking software, but have very limited potential for independent servicing in case of unavailability of the basic banking software (e.g. typically they provide only balance and account information). DigiTie is completely different. DigiTie can provide complex services 24/7, such as handling overdrafts and instant payments (HCTInst/SCTInst). DigiTie can independently perform even a complete credit sales process. We can enable DigiTie to provide virtually any core banking service and to later synchronize with banking core systems to maintain consistency of background systems.

The DigiTie service concept is presented in the following figure.

DigiTie is able to provide direct electronic customer channels such as a mobile bank or an internet bank, but it can handle the standard interfaces (API) to provide for orders and queries from financial institution partners.
DigiTie-supported services, like the MoonSol system, can be customized on demand: if, for example, a particular financial institution already has a well-established and customized Internet banking solution, DigiTie can be tailored to handle indirect electronic channels only.

Due to DigiTie's customization, it is possible to gradually open services to the outside world, so it’s a viable option for a credit institution to provide, in a first round, only the services made obligatory by the PSD2 directive No. 2366/2015 (availability of funds, payment initiation, account information), which can be followed by a number of services, such as instant payment (HCTInst / SCTInst), or online lending.

Another advantage of flexible customization is that DigiTie can be unique or uniform on demand. Many of our partners prefer that the DigiTie solution they use be “off the shelf”, that is a software solution used by other customers and therefore cheaper, while others are insisting on more expensive, but a competitive customized product. DigiTie, like MoonSol, can combine these “common” and customized elements in a unique way.

DigiTie can be operated cost-effectively. According to the requirements of a financial institution, DigiTie can be installed locally, in the IT infrastructure of the particular financial institution, or DigiTie is available in centrally managed operation, as Software as a Service. In this latter case, the financial institution will have a separate DigiTie copy, but the operation will be managed by our company.



  • DigiTie is able to provide, in a stand-alone way, complex, 24/7 services. Contrary to most solutions available on the market, DigiTie can provide a complex service, such as lending or deposit management, independently, without the support of the banking system. This allows the financial institution to offer any service to its partners, guaranteeing the financial institutions a competitive advantage, and also increases revenues.
  • The range of services supported by DigiTie can be gradually expanded. If you choose DigiTie, you do not need to implement all the services at once; if, for example, a financial institution, for the time being, only plans to open services mandatory by PSD2, they can be implemented on a stand-alone basis. As a result, DigiTie can be implemented at reasonable costs and can be expanded later on, taking into account business decisions and opportunities.
  • DigiTie is a good investment in the long run. Many financial institutions plan to integrate APIs serving PSD2 queries into existing Internet banking applications. However, these applications are largely incapable of eg. to provide instant payments, so you will need to acquire, integrate, and coordinate new systems. By investing in DigiTie, the financial institution will acquire a software scalable in the long-term.
  • The operation of DigiTie can be outsourced, thus reducing the cost of the financial institution's IT/support team.


DigiTie PSD2

DigiTie PSD2 enables banks to be compliant with PSD2. DigiTie for PSD2 serves as a front-layer for banks to manage the requests of TPPs (Third Party Providers) from PSUs (Payment Service Users) 24/7/365 and to transfer the requests to core banking systems of ASPSPs (Account Servicing Payment Service Providers).

Read more

DigiTie Instant Payment

DigiTie Instant Payment helps banks to join the SEPA Instant Credit Transfer (SCTInst) scheme or other domestic instant payment systems based on this scheme. Under SCTInst payment transactions are accomplished within seconds, making this payment method competitive with card payments.

Read more

DigiTie Open Banking

While DigiTie PSD2 opens services necessary to be compliant with PSD2, DigiTie for Open Banking can open up additional services to join FinTech ecosystems.

Read more

Related resources

Overview of DigiTie Solution

2018/10/05 - Brochure (EN)

Overview of DigiTie Solution

This paper gives an overview of the innovative front-end software DigiTie, developed by Online Business Technologies.  DigiTie enables the clients and partners of financial institutions to access 7/24 hours any desired financial service, like PSD2 services, instant payment or credit and debit management etc, through electronic channels.

Download: Overview of DigiTie Solution (700KB pdf)

Overview of DigiTie Instant Payment

2019/03/20 - Brochure (EN)

Overview of DigiTie Instant Payment

DigiTie Instant Payment helps banks to join the SEPA Instant Credit Transfer (SCTInst) scheme or other domestic instant payment systems based on this scheme. Under SCTInst payment transactions are accomplished within seconds, making this payment method competitive with card payments. This brochure gives an overview of the features of DigiTie Instant Payment .

Download: Overview of DigiTie Instant Payment (2.0MB pdf)