Digital Banking Solutions
Digital Banking Solutions is an Oracle Gold Partner that implements and customizes Oracle FLEXCUBE core banking for financial institutions, complemented by 12 proprietary frameworks spanning core banking, credit and risk, and compliance and reporting. The Portugal-headquartered firm delivers projects across seven countries with delivery teams in Portugal, India, Brazil, and Angola, earning revenue from professional services and licensed proprietary products.
- Company typePrivate
- Founded2019
- HeadquartersLisbon, Portugal
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
Digital Banking Solutions firmographics
Firmographics- Name
- Digital Banking Solutions
- Legal name
- Digital Banking Solutions
- Website
- https://digital-banking-solutions.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Digital Banking Solutions is an Oracle Gold Partner that implements and customizes Oracle FLEXCUBE core banking for financial institutions, complemented by 12 proprietary frameworks spanning core banking, credit and risk, and compliance and reporting. The Portugal-headquartered firm delivers projects across seven countries with delivery teams in Portugal, India, Brazil, and Angola, earning revenue from professional services and licensed proprietary products.
- Ownership category
- akta.pro rank
Digital Banking Solutions industry classification
Industry- Product category
- Core Banking Software
- NAICS
- Computer Systems Design and Related Services (54151), Custom Computer Programming Services (541511)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)
- akta.pro secondary industry
- Data Platform (Unified Data & Analytics) Suites (HDAEABAD)
Keywords
Where Digital Banking Solutions is headquartered
LocationHeadquarters
- HQ city
- Lisbon
- HQ country
- Portugal
- HQ region
- Europe
Offices4 records
Markets served
Digital Banking Solutions business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Consulting Services: Implementation of Oracle solutions for the financial sector including core banking implementations, system evolution, and business process optimization. Covers core processes, credit, risk, trade finance, payments, digital channels, AML, regulatory reporting, compliance, and billing.
- Software Development & Customization: Fully customized software solutions and development services. DBS has implemented numerous customizations to Oracle products for the financial sector to meet local market needs. Multiple frameworks including Flexcube, OBPM, OBDX accelerate implementation.
- Proprietary Solutions Licensing: DBS's own solutions including DBS Core, DBS Credibox, DBS Collections, DBS Argus, DBS IFRS9, DBS IFRS16, and others are offered as licensed products to financial institutions.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels2 records
Digital Banking Solutions product offering
Product offeringCore offering
Digital Banking Solutions (DBS) is an Oracle Gold Partner that implements and customizes the Oracle FLEXCUBE Universal Banking core for financial institutions, bundled with a proprietary portfolio of pre-built frameworks covering core banking, credit & risk, and compliance & reporting. It also licenses its own solutions (DBS Core data warehouse, DBS Credibox, DBS Collections, DBS Argus AML, DBS IFRS9/Horus, DBS IFRS16, DBS RR, DBS UTR, DBS Invoice, DBS Payments Gateway) and provides consulting and software development services delivered by teams across Portugal, India, and Brazil.
Product overview
Digital Banking Solutions offers a modular platform architecture built around Oracle FLEXCUBE as the core banking foundation. The portfolio comprises three interconnected solution suites: Core Banking (Flexcube Customisation, DBS Payments Gateway, DBS Core, DBS UTR, DBS Invoice), Credit & Risk (DBS Credibox, DBS Collections, DBS Partners Portal), and Compliance & Reporting (DBS Argus AML, DBS IFRS9/Horus, DBS IFRS16, DBS RR). The company also provides Consulting and Software Development services. DBS operates as an Oracle Gold Partner and serves clients across 7 countries with physical presence in Portugal, Brazil, Angola, and India.
Differentiator
Problem solved
Functional benefit
Products and services
- Flexcube Customisation Custom developments on the Oracle FLEXCUBE Universal Banking core that are consolidated into reusable frameworks, enabling banks to differentiate themselves, implement local payment subsystems, and respond to local regulatory requirements.
- DBS Payments Gateway Connectors and orchestrators for various payment subsystems that enable connectivity to national payment system players (SIBS, Unicre, Banco de Portugal) and other intermediary entities, supporting real-time operations and file transfer with easy core banking integration.
- DBS Core Advanced data warehouse solution built on SQL Server infrastructure enabling agnostic integration with any core banking system, optimizing financial data management with security, efficiency, and regulatory compliance, and integrated with a data lake for reduced storage costs.
- DBS UTR (Unified Transaction Reporting) Solution for monitoring and control of checks entering the bank via cash or clearing, including check justification management, communications to the Central Bank, and customer notifications; minimizes financial and operational risks.
- DBS Invoice Billing solution for financial services provided by banks, including management of the entire billing cycle, issuing certified invoices, and extracting SAF-T files.
- DBS Credibox Credit management solution with decision-making workflows and risk analysis covering the entire credit management cycle from customer contact through simulations, proposals, decision workflows to loan agreement; includes scoring, classification, and risk-adjusted pricing.
- DBS Collections Default management and credit recovery solution providing an integrated view of the customer and their credit portfolio, assets, and relationships, and implementing recovery strategies optimized based on customer profiles.
- DBS Partners Portal Solution for granting credit through bank partners, allowing banks to leverage partner business by decentralizing processes; includes external simulator and a portal for simulations, requests, and tracking of credit applications.
- DBS Argus AML Anti-money laundering and terrorist financing management and control solution with native integration of OFAC, EU, HMT, and FATF sanctions lists, including alert management, suspicious case investigation, and SAR report creation.
- DBS IFRS9 (Horus) Credit impairment management solution implementing the expected loss model per IFRS 9 requirements, automating ECL calculations, fair value calculations, and SPPI tests with modular architecture and high integration flexibility.
- DBS IFRS16 Lease accounting solution managing allocation or lease contracts with monthly calculation of lease liabilities and right-of-use assets, associated interest and amortization, and generation of accounting transactions.
- DBS RR (Regulatory Reporting) Regulatory reporting solution that takes a dataset, validates and structures it in the format required for submission to the regulator through a data extraction, validation, and transformation process.
- Consulting Services Implementation of Oracle solutions for the financial sector including core banking implementations, system evolution, and business process optimization, covering core processes, credit, risk, trade finance, payments, digital channels, AML, regulatory reporting, compliance, and billing.
- Software Development Services Fully customized software solutions and development services for the financial sector, with teams across Portugal, India, and Brazil implementing customizations to Oracle products including Flexcube, OBPM, and OBDX to meet local market needs.
Quantifiable outcome
- Speed of implementation through pre-built frameworks
- +2 more outcomes
Companies that use Digital Banking Solutions
Customer profileSegments1 record
Ideal customer profiles1 record
Digital Banking Solutions technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature12 records
Digital Banking Solutions partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- OraclecoreDBS is an Oracle Gold Partner specializing in Oracle FLEXCUBE Universal Banking implementation. Through this partnership, Oracle and DBS offer technologically innovative solutions aligned with regulatory requirements. DBS implements the FLEXCUBE banking core, customizing it according to market best practices and client business requirements. The partnership enables DBS to offer solutions addressing local payment systems, regulatory reporting, and specific business requirements across geographies where they operate.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Digital Banking Solutions competitors and assessment
Company assessmentEmerging players
- Thought Machine: Cloud-native core banking platform (Vault) used by tier-1 banks like Lloyds and Standard Chartered. Comparable as a structural competitor to FLEXCUBE-based deployment models that DBS services.
- Mambu: Cloud-native SaaS core banking platform challenging on-prem FLEXCUBE. Comparable because Mambu represents the architectural alternative to FLEXCUBE; banks choosing Mambu reduce the addressable market for DBS's customization services.
Broad incumbents
- Accenture: Largest global consulting firm with deep banking technology implementation capabilities across multiple core banking platforms. Comparable as a broad incumbent competing for the same enterprise banking transformation programs.
- Wipro: Global IT services firm with strong banking practice implementing core banking platforms including FLEXCUBE. Comparable because Wipro competes for the same enterprise banking technology engagements across regions.
- Capgemini: Global consulting and IT services firm with significant banking technology practice. Comparable as a broad incumbent competing for large-scale banking transformation engagements that DBS also targets.
- HCL Technologies: Global IT services firm with strong banking and financial services practice implementing core banking platforms. Comparable as a broad incumbent that competes for FLEXCUBE and adjacent banking implementation work.
- Tata Consultancy Services (TCS): Global IT services giant with a large banking and financial services practice that implements Oracle FLEXCUBE and other core banking platforms. Comparable because TCS competes for the same enterprise banking implementation mandates DBS targets, but at vastly greater scale.
- Oracle Financial Services Software: Vendor of FLEXCUBE Universal Banking — DBS's core platform dependency. Comparable because Oracle's own professional services arm competes for the same implementation and customization work that DBS monetizes.
- Cognizant: Global IT services company with a dedicated banking and financial services practice implementing core banking platforms. Comparable as a broad incumbent competing for similar enterprise mandates.
- Infosys: Large global IT services firm with deep banking practice and FLEXCUBE/Finacle implementation capabilities. Comparable because Infosys competes for the same Oracle-based core banking programs, particularly in EMEA and emerging markets.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Digital Banking Solutions social profiles
Digital presenceDigital Banking Solutions compliance and trust
Trust signalCompliance1 record
Digital Banking Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Digital Banking Solutions leadership team
Management profileNumber of profiles
Profiles6 records
Digital Banking Solutions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Digital Banking Solutions M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Digital Banking Solutions
What does Digital Banking Solutions do?
Digital Banking Solutions (DBS) is an Oracle Gold Partner that implements and customizes the Oracle FLEXCUBE Universal Banking core for financial institutions, bundled with a proprietary portfolio of pre-built frameworks covering core banking, credit & risk, and compliance & reporting. It also licenses its own solutions (DBS Core data warehouse, DBS Credibox, DBS Collections, DBS Argus AML, DBS IFRS9/Horus, DBS IFRS16, DBS RR, DBS UTR, DBS Invoice, DBS Payments Gateway) and provides consulting and software development services delivered by teams across Portugal, India, and Brazil.
Is Digital Banking Solutions a public or private company?
Digital Banking Solutions is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Digital Banking Solutions founded?
Digital Banking Solutions was founded in 2019. It employs 101 to 250 people.
Where is Digital Banking Solutions based?
Digital Banking Solutions is headquartered in Lisbon, Portugal, in the Europe region.
How does Digital Banking Solutions make money?
Three revenue lines are on record. Consulting Services are the primary driver. The others are software Development & Customization and proprietary Solutions Licensing.
Who are Digital Banking Solutions's main competitors?
Emerging players on record are Thought Machine and Mambu. Broad incumbents are Accenture, Wipro, Capgemini, HCL Technologies, Tata Consultancy Services (TCS), Oracle Financial Services Software, Cognizant and Infosys.
Does Digital Banking Solutions have an API?
No public API is recorded for Digital Banking Solutions.
What industry is Digital Banking Solutions in?
Digital Banking Solutions's product category is Core Banking Software. Its primary akta.pro industry code is FSAGAAAC, Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts), with a secondary code of HDAEABAD, Data Platform (Unified Data & Analytics) Suites. Its NAICS code is 54151 and its SIC code is 7370.