Custom software development

G+D Netcetera delivers custom banking and financial software for European institutions by extending proven platforms or developing new systems from scratch for highly specific operational and regulatory requirements.
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Built on proven foundations. Tailored to your reality. 

Extend proven platforms

For most requirements, starting from a blank page is unnecessary. We build on production-proven banking, payment, and identity platforms, adapted to your operational and regulatory context.

Backed by live products

Everything we build draws on banking, payment, and identity platforms already running in production across Europe. Our teams know what works because they build it every day.

Compliance built in, not looked up

PCI-DSS, DORA, eIDAS 2.0, European data sovereignty: these are the constraints we work under in our own product portfolio, not standards we consult when a project begins.

Extend a platform or build from scratch

G+D Netcetera develops custom banking and financial software for European banks, payment service providers, insurers, and pension providers.

Institutions have two starting points for a custom engagement:

1. Platform extension

Institutions build on existing G+D Netcetera banking, payment, pension, wealth management, advisory or digital identity platforms and adapt them to specific operational and regulatory requirements. Benefits include faster delivery, lower implementation risk, and a proven security and compliance foundation.

2. Greenfield development

Custom systems are developed for requirements that cannot be covered by existing platforms. Clients retain full ownership of the resulting solution and intellectual property.

Key facts

  • Three decades of financial software development experience  
  • Clients include PostFinance, SIX, Cler/ZAK Bank, and AKB  
  • All custom software delivered under PCI-DSS, DORA, and Swiss data protection requirements  
  • AI-assisted engineering capabilities used to accelerate delivery and modernization projects 

Three ways to build custom financial software

Different challenges require different delivery models.
Co-creation

You bring the business expertise. We bring the engineering depth.

Co-creation works best when differentiated customer experiences, proprietary workflows, or strategic capabilities need to be translated into secure, scalable financial software.

Our teams work alongside your engineers as an integrated delivery organization, not as an isolated external vendor.

Typical use cases include Digital Banking differentiators, proprietary advisory tools, and customer-facing platforms where institutions want to retain ownership of the intellectual property and long-term product roadmap.

Typical scenario: A bank building a proprietary wealth management experience on top of G+D Netcetera’s advisory platform. 

Future-proofing existing systems

Modernization rarely requires replacing everything at once.

We extend, re-architect, and modernize systems incrementally, reducing operational risk while delivering measurable value throughout the program.

This approach is particularly effective for payment modernization, Digital Banking platform evolution, and phased migration of legacy core banking components where large-scale replacement programs create unacceptable operational exposure.

Typical scenario: A cantonal bank extending its mobile banking platform with open banking capabilities. 

Greenfield development

Some opportunities require entirely new platforms.

We support financial institutions from strategy and architecture through development and operations when new regulatory requirements, digital propositions, or ecosystem models cannot be addressed through existing systems.

Typical use cases include digital-first banking brands, compliance platforms for emerging regulatory frameworks, or financial planning wealth management tools with 360 client profile.  

Typical scenario: A bank launching a digital-first sub-brand with its own mobile banking application. 

Product extension: Start from what already works

Extend proven G+D Netcetera platforms with your institution's own workflows, integrations, and customer experience — instead of rebuilding from zero.
Mobile and web banking platforms

Custom features, integrations, onboarding journeys, and institution-specific branding.

3DS authentication platforms 

Issuer-specific risk logic, fraud controls, and authentication workflows.

Digital identity solutions 

Custom onboarding experiences, KYC processes, and identity verification flows.

Payment infrastructure components

Merchant-specific workflows, reporting environments, and integration layers.

Wealth & Advisory Platforms

Custom advisory workflows, proprietary investment models, and portfolio integrations tailored to your institution's data sources.

Pension administration platforms 

Institution-specific benefit rules, custom reporting, and member communication workflows built on P40.

How we deliver custom financial software in six steps

We build with AI, so you move faster

AI-assisted engineering supports analysis, testing, documentation, and development throughout the delivery process.  Financial institutions benefit from faster implementation timelines and lower delivery risk while maintaining financial-grade security and compliance requirements.

 

How we use AI in software delivery

Success stories

The digital bank on the smartphone
G+D Netcetera took over the technical responsibility for Zak in 2020 with the aim of comprehensively developing the app and meeting increasing requirements as well as growth in new customers.
Read more
White-label app based on G+D Netcetera's wallet, identity and 3DS products
SIX offers the new generation of debit cards to card-issuing banks in Switzerland. In addition to standard functionalities (cash withdrawal or contactless payment), further digital use cases, such as online shopping and hotel reservations, create a new user experience.
Read more
E-banking app, mobile contactless payment and 3-D Secure processes
E-banking app providing a simple and convenient overview of finances, secure payments, up-to-date stock market information and other functions. Honored with Best of Swiss Apps and Best of Swiss Web awards.
Read more
The digital bank on the smartphone
G+D Netcetera took over the technical responsibility for Zak in 2020 with the aim of comprehensively developing the app and meeting increasing requirements as well as growth in new customers.
Read more
White-label app based on G+D Netcetera's wallet, identity and 3DS products
SIX offers the new generation of debit cards to card-issuing banks in Switzerland. In addition to standard functionalities (cash withdrawal or contactless payment), further digital use cases, such as online shopping and hotel reservations, create a new user experience.
Read more
E-banking app, mobile contactless payment and 3-D Secure processes
E-banking app providing a simple and convenient overview of finances, secure payments, up-to-date stock market information and other functions. Honored with Best of Swiss Apps and Best of Swiss Web awards.
Read more
The digital bank on the smartphone
G+D Netcetera took over the technical responsibility for Zak in 2020 with the aim of comprehensively developing the app and meeting increasing requirements as well as growth in new customers.
Read more
White-label app based on G+D Netcetera's wallet, identity and 3DS products
SIX offers the new generation of debit cards to card-issuing banks in Switzerland. In addition to standard functionalities (cash withdrawal or contactless payment), further digital use cases, such as online shopping and hotel reservations, create a new user experience.
Read more
E-banking app, mobile contactless payment and 3-D Secure processes
E-banking app providing a simple and convenient overview of finances, secure payments, up-to-date stock market information and other functions. Honored with Best of Swiss Apps and Best of Swiss Web awards.
Read more
The digital bank on the smartphone
G+D Netcetera took over the technical responsibility for Zak in 2020 with the aim of comprehensively developing the app and meeting increasing requirements as well as growth in new customers.
Read more
White-label app based on G+D Netcetera's wallet, identity and 3DS products
SIX offers the new generation of debit cards to card-issuing banks in Switzerland. In addition to standard functionalities (cash withdrawal or contactless payment), further digital use cases, such as online shopping and hotel reservations, create a new user experience.
Read more
E-banking app, mobile contactless payment and 3-D Secure processes
E-banking app providing a simple and convenient overview of finances, secure payments, up-to-date stock market information and other functions. Honored with Best of Swiss Apps and Best of Swiss Web awards.
Read more
The digital bank on the smartphone
G+D Netcetera took over the technical responsibility for Zak in 2020 with the aim of comprehensively developing the app and meeting increasing requirements as well as growth in new customers.
Read more
White-label app based on G+D Netcetera's wallet, identity and 3DS products
SIX offers the new generation of debit cards to card-issuing banks in Switzerland. In addition to standard functionalities (cash withdrawal or contactless payment), further digital use cases, such as online shopping and hotel reservations, create a new user experience.
Read more
E-banking app, mobile contactless payment and 3-D Secure processes
E-banking app providing a simple and convenient overview of finances, secure payments, up-to-date stock market information and other functions. Honored with Best of Swiss Apps and Best of Swiss Web awards.
Read more
The digital bank on the smartphone
G+D Netcetera took over the technical responsibility for Zak in 2020 with the aim of comprehensively developing the app and meeting increasing requirements as well as growth in new customers.
Read more
White-label app based on G+D Netcetera's wallet, identity and 3DS products
SIX offers the new generation of debit cards to card-issuing banks in Switzerland. In addition to standard functionalities (cash withdrawal or contactless payment), further digital use cases, such as online shopping and hotel reservations, create a new user experience.
Read more
E-banking app, mobile contactless payment and 3-D Secure processes
E-banking app providing a simple and convenient overview of finances, secure payments, up-to-date stock market information and other functions. Honored with Best of Swiss Apps and Best of Swiss Web awards.
Read more
The digital bank on the smartphone
G+D Netcetera took over the technical responsibility for Zak in 2020 with the aim of comprehensively developing the app and meeting increasing requirements as well as growth in new customers.
Read more
White-label app based on G+D Netcetera's wallet, identity and 3DS products
SIX offers the new generation of debit cards to card-issuing banks in Switzerland. In addition to standard functionalities (cash withdrawal or contactless payment), further digital use cases, such as online shopping and hotel reservations, create a new user experience.
Read more
E-banking app, mobile contactless payment and 3-D Secure processes
E-banking app providing a simple and convenient overview of finances, secure payments, up-to-date stock market information and other functions. Honored with Best of Swiss Apps and Best of Swiss Web awards.
Read more
The digital bank on the smartphone
G+D Netcetera took over the technical responsibility for Zak in 2020 with the aim of comprehensively developing the app and meeting increasing requirements as well as growth in new customers.
Read more
White-label app based on G+D Netcetera's wallet, identity and 3DS products
SIX offers the new generation of debit cards to card-issuing banks in Switzerland. In addition to standard functionalities (cash withdrawal or contactless payment), further digital use cases, such as online shopping and hotel reservations, create a new user experience.
Read more
E-banking app, mobile contactless payment and 3-D Secure processes
E-banking app providing a simple and convenient overview of finances, secure payments, up-to-date stock market information and other functions. Honored with Best of Swiss Apps and Best of Swiss Web awards.
Read more

FAQs

What is the difference between G+D Netcetera's custom software and its standard products?

G+D Netcetera’s standard products, including 3DS authentication, Digital Banking platforms, wealth management, advisory, pension technology and digital identity solutions, are configurable platforms used across multiple financial institutions.

Custom software is developed or extended for the specific operational, regulatory, and integration requirements of an individual institution. This can involve extending an existing G+D Netcetera platform or commissioning a fully new system from scratch.

Can G+D Netcetera customize its existing banking or payment products?

Yes. Financial institutions can extend existing G+D Netcetera platforms with institution-specific functionality, integrations, workflows, and customer experiences.

This approach reduces delivery risk and implementation timelines compared to fully greenfield development while providing a proven security and compliance foundation aligned with European financial sector requirements. 

How long does custom banking software development take?

Timelines depend on scope, complexity, and delivery model.

Platform extension projects often deliver initial working functionality within 3-6 months. Larger greenfield financial platforms typically require longer multi-phase delivery programs.

G+D Netcetera uses an incremental delivery model, allowing institutions to see validated software throughout the project rather than only at final launch.

What security standards apply to custom software builds?

Security and compliance requirements are integrated into the architecture from the beginning of every engagement.

Depending on the system and deployment model, this can include PCI-DSS, DORA operational resilience requirements, GDPR, Swiss data protection requirements, and European data residency standards.

Who owns the intellectual property in a custom software build?

Intellectual property models are defined during the scoping phase and depend on the engagement structure.

Fully greenfield developments are typically structured with client ownership, while extensions of existing G+D Netcetera platforms may follow shared or licensed models.

Does G+D Netcetera work on custom software outside financial services?

The company’s primary focus is financial software for banks, payment service providers, insurers, and pension institutions.

G+D Netcetera has also delivered software projects in sectors including transportation, healthcare, and real estate analytics, including work with Swiss Federal Railways and Wüest Partner.

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