Technology checklist
Financial technology checklist
A practical checklist of capabilities, controls and supplier questions — personalised to your business model. Tick items in your browser and download as PDF.
Technology checklist — Neobank / digital account
Customer account management
Account and balance management
Transaction processing and records (ledger)
Payment and transfer workflows
Banking-provider integrations
Card programme integration
KYC/KYB onboarding
AML monitoring and compliance workflows
Customer administration / back office
Regulatory and management reporting
APIs and integrations
Safeguarding reconciliation
Software supplier evaluation
Ask every shortlisted supplier the same questions and score answers 1–5.
| Question | Vendor A | Vendor B | Vendor C |
|---|---|---|---|
| Which capabilities are native vs. via partners? | |||
| Licensing model: subscription, annual, perpetual; source-code availability or escrow | |||
| Deployment: vendor-hosted, own cloud, on-premise | |||
| Data ownership, export formats and exit assistance | |||
| Security certifications and penetration test reports | |||
| Regulatory change handling and roadmap | |||
| Reference customers in your licence category | |||
| Implementation timeline, team and acceptance criteria | |||
| Support SLAs and incident management | |||
| Total five-year cost under your volume assumptions |
This checklist is educational and vendor-neutral. Regulators may require additional controls specific to your licence.