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A banking platform that fuels creative work.

Transform your bank without the need to replace your core systems and become a true digital innovator.

Trusted by banks all over the world

The rapid digital transformation platform.

Layer helps you quickly digitally transform your bank without the need to replace core systems.

Who is it for?

A banking solution for every business type.

retail banks

Breath-taking products and user experiences.

Deliver a wide range of traditional and neo-bank capabilities all from a single platform.


Entrepreneurs need innovative banking products.

Overcome the challenges of serving small and medium-sized enterprises with Layer’s business banking solution.


Reimagine how your customers experience your brand.

Deliver a wide range of financial products from an easy-to-use platform.

The only limit is your imagination.

Launch innovative new products and services from an easy to use platform in weeks, not months.

More than just banking.

Our platform enables you to offer a wide-range of innovative features and products turning your simple banking app into a Layer super app.


Money management with spending analytics and insights.


Gameify typical elements of banking to encourage customer engagement.


Reward your customers with deals and offers from local merchants.

Wealth Mgmt.

Empower your customers to reach their financial goals faster with our Wealth Management module.


More than just banking. Integrate any 3rd party service to allow your customers run their lives their Super App.


Easily support your customers on any channel with the Layer Chatbot.

Augmented Reality.

Bring your financial world to life with Layer’s Augmented Reality.


Banking on the go. Deliver all your banking services on any device.

Customer Reviews

Delivering success.

Providing a superior customer experience was at the top of our priority when selecting our digital banking platform. We believe we have selected a platform that gives us a massive advantage over our competitors.

Khalid Al-Hoqani

Khalid Al-Hoqani

Head of IT – Alizz Islamic Bank

Our partners

We work with the best partners across the globe.


We started over 10 years ago with the ambition to bring banks into the digital-first world through the use of modern innovative technology.

01. Who is Layer?

Layer (formerly Ubanquity Systems) is one of the global leaders in the Fintech industry, offering a broad range of products, solutions and services for retail banks, corporate banks, Islamic banks, credit unions, insurance companies and non-financial institutions. Our solutions are renowned for their innovation, security and flexibility to deliver simple, yet superior experiences for our clients and their customers.

Layer serves over 25million end-users in over 20 countries.

Founded in 2011, we are headquartered in Dublin, with a presence in Dubai and Lagos.

02. How does the Layer platform work?

Our platform sits on top of the bank’s core banking system(s) and unifies data and functionality to create new and better digital experiences for employees and customers. Over time we replace the ageing systems with our own platform modules or services from our partners allowing the bank to run operations easier and more efficiently than ever before, all from one unified platform.

03. Why choose Layer’s Digital Banking Platform?

Say goodbye to siloed data, disparate systems and frustrating limitations. Layer offers the perfect blend of traditional and neo-bank capabilities that dramatically decreases cost, revolutionises the customer journey and enables banks to become truly digital.

Our platform de-risks and accelerates a bank’s digital transformation journey.

04. Where does Layer operate?

Layer is a global platform provider. Financial Institutions of all sizes from all over the globe use Layer’s Digital Banking Platform to drive innovation and transform their business quickly and efficiently. No matter where in the world you are, we can provide you with the tools to deliver real change.

05. How long does implementation take?

On average, a full digital transformation project can take anywhere between 4 – 6 months. That’s half the time of our competitors. We have the clients to prove it and will be happy to share this with you.

06. How much does it cost?

Well, that depends. What we can say is our digital banking platform is 50% less expensive than any of our competitors. In our latest project, we saved the bank over €3m in Opex the first year alone. Get in touch and we can demonstrate all the benefits our platform provides.

Transform your bank without touching the core.

Schedule a 30 minute call and we’ll show you how.

The open banking engagement platform for innovative digital financial institutions and brands.