One Mission. One Core.
Powering D360 Bank's Digital Banking Engine.
THE STORY OF D360 BANK & BOS
Discover how INCAT’s BOS System became the core engine behind D360 Bank – a Shariah-compliant, SAMA-regulated digital-first bank built for the next generation of customers in the Kingdom of Saudi Arabia.
ABOUT D360 BANK
A DIGITAL-FIRST BANK WITH A BOLD VISION
D360 Bank is a fully digital, Shariah-compliant bank licensed by the Saudi Central Bank (SAMA).
As part of the Kingdom’s Vision 2030 strategy, the bank aims to redefine everyday banking through innovative digital services that align with the cultural, financial, and regulatory landscape of Saudi Arabia.With a focus on simplicity, speed, and compliance, D360 set out to build a platform that could deliver seamless experiences across retail, SME, and future-ready segments—without relying on legacy infrastructure.
The launch of D360 Bank marks a new chapter in providing innovative and comprehensive digital banking services to all segments, aligned with global digital standards, supporting financial inclusion in Saudi Arabia and aligning with the objectives of the Financial Sector Development Program, contributing to the ambitious goals of Vision 2030 and reinforcing Saudi financial sector leadership in the region and globally.
Taha A. AlKuwaiz, Chairman of D360 Bank
THE MISSION: IMPLEMENT A CLOUD-NATIVE CORE BANKING PLATFORM
As a newly licensed institution, D360 Bank set out to launch a digital-first operation supported by a robust and compliant core banking system. The goal was to implement a cloud-native, Sharia-compliant, and regulator-ready platform that would serve as the operational backbone of the bank – all within a highly ambitious timeline.
“Delivering a core banking system for one of the first digital banks in Saudi Arabia was not just a project—it was a responsibility. Together with the D360 team, we built a robust and future-ready banking engine that drives innovation and growth.”
Piotr Hanusiak, CEO, INCAT
WHY D360 CHOSE BOS BY INCAT?
D360 Bank selected BOS after an intensive evaluation process, recognizing its ability to serve as a future-proof core banking engine. With its modular design, event-driven architecture, and API-first approach, BOS provided the flexibility and scalability D360 needed to operate in the Saudi market. BOS delivered:
Cloud-native core banking engine
Fully modular architecture
Cloud-agnostic deployment
API-first design for seamless integrations
24/7
Availability
Event-driven architecture enabling real-time processing
Full SAMA regulatory alignment from day one
High security of the operations
12 DAYS SINCE D360 BANK LAUNCHED
15 MLN
NUMBER OF TRANSACTIONS
200 000
CUSTOMERS
7,5 BLN
SAUDI RIYALS IN TRANSACTION
290
GRATEFUL HEARTS OF THE BANK’S EMPLOYEES
FROM CORE IMPLEMENTATION TO GO-LIVE IN MONTHS
Thanks to BOS, D360 Bank was able to deploy a fully functional core banking system within just a few months. This rapid implementation enabled the bank to launch digital services, onboard partners, and begin operations faster than traditional timelines would allow – all without compromising compliance or performance.
⚡
Fast Time-to-Market
Core system ready in months, not years
🔗
Integrated Ecosystem
Real-time connections with key providers
🌐
Future-Ready Architecture
Scalable across new products and regions
🤝
Trusted Partnership
Agile collaboration across teams ensured success
A TEAM EFFORT WORTH SHOWCASING
The D360 implementation brought together cross-functional teams from INCAT and D360 Bank — working in agile sprints across time zones to hit key milestones. It was a collaborative journey marked by trust, transparency, and shared ambition.
SCALING THE VISION
With a powerful BOS core in place, D360 Bank is now focused on expanding its product offerings and user base. The platform is built to scale—supporting innovation in SME banking, lending, savings, and digital onboarding in the years to come
WANT TO BUILD YOUR DIGITAL BANKING ENGINE WITH BOS? LET’S TALK HOW WE CAN POWER YOUR CORE.
Contact us, discover the BOS System, and join other leaders of the Arab digital revolution in banking.