Regulated processes.
One hardened app.
A regulator asks for strong customer authentication. Your fraud team sees remote‑access scams. Your customers still send contracts by email. KOBIL Finance answers all three: a hardened app for iOS and Android on a backend platform with a PSD2-certified core. Push approvals in every module, document signatures and secure chat in the finished app and the SuperApp platform. Delivered as a security layer inside your own app, as a finished app, or as a platform for many services.
Three ways to get it. One foundation.
Whether you already run an app, need one, or want to turn one into a platform: the core underneath is the same. App hardening, device binding and transaction signing on a PSD2-certified security server do not change between modules. You choose a starting point: Basic grows into Ecosystem without a migration project, and moving from Security to the other two is a migration project on the same core.
Security
Your app, our security layer underneath.
You already have an app your customers trust, or an identity landscape (LDAP, Active Directory, IAM) your processes depend on. The App Security SDK (KOBIL MC SDK) brings app hardening and PSD2-certified two-factor authentication into your app, the KOBIL IDP adds an identity provider behind it, and your customers never install a second app.
KOBIL Cloud or your own Kubernetes environment.
StandaloneBasic
A finished app, run for you.
A regulatory deadline is closer than your app roadmap. Push approvals, document signatures and secure chat go live in a ready-made hardened app under your brand, with the backend operated for you and REST APIs into the systems you already run.
KOBIL Cloud SaaS, Frankfurt am Main on AWS.
Extends BasicEcosystem
One app for your services and your partners’.
Several brands, business lines or partners should reach your customers through one login and one security level. MiniApps run inside your SuperApp, partner apps launch from it with the user’s identity handed over, and your teams change home screen, MiniApps and chat services in the Portal without an app store release.
Extends Basic. Includes the Portal with Smart Builder.
Your app stays your app.
These screens are modeled on a bank app built on the Security module: same brand, same flows, while hardening, identity and transaction signing work underneath.
Account overview of the partner app
Choose your next module
From login to signature in one flow.
Every step stays in the same app. As you scroll, the screen changes and the relevant area is highlighted.
Verify home screen
Choose your next module
One app, many services.
These screens show a fictional bank on the Ecosystem module: one SuperApp where the bank’s own services and partner offerings run side by side, on the same identity and security foundation.
SuperApp home screen
Explore the other modules
Evidence over superlatives.
When your auditor asks, you need documents, not adjectives. These certifications and audit confirmations are issued by independent bodies and cover the core you would otherwise have to build, certify and run yourself.
Supported regulatory frameworks and the SRC audit confirmation are documented on the Packaging & Delivery page; compliance reports are available on request: see the supported frameworks →
Built for organizations where evidence matters, trusted by banks and insurers across Europe and beyond.
A selection of banks, insurers and financial service providers that work with KOBIL technology, from retail and private banking to insurance and payment infrastructure.
All product names, logos and brands remain the property of their respective owners and are shown for identification purposes only.
Trust can be shown.
See in the demo how login, push approval, chat and signature come together in the Basic module’s app. Which module fits your starting point is what we work out with you from there.