Powering D360 Bank's Digital Operations
How D360 Bank partnered with Shamil to transform fragmented banking operations into a unified, scalable platform.
About D360
D360 Bank is the first Saudi digital bank, designed to deliver modern, seamless banking experiences through a fully digital platform. Backed by leading investors including the Public Investment Fund (PIF) and Derayah Financial Company, D360 Bank offers digital accounts, fast international transfers, competitive foreign exchange rates, and personalised banking services accessible via its mobile app.
The Challenge And Pain Points
As a fast-growing digital bank, D360 Bank faced operational challenges that limited scalability and efficiency, driven by fragmented systems, multiple logins, and the lack of a unified customer view and flexible development capabilities.
Pain Points:
No centralised back-office portal to manage operations.
Multiple logins and scattered systems.
Lack of a unified view of customer data across accounts, cards, balances, and profiles.
Limited ability to build and evolve custom modules and requirements.
Solution
D360 Bank implemented and launched with Shamil — a single central bank office foundation. It used a flexible, deployment-ready platform and a strong team to accelerate module delivery. Empowered internal teams with tools to develop and deploy new capabilities across modules. Introduced a Customer 360 module to centralise customer context by providing a single view of profiles, accounts, transactions, and cards.
Replaced fragmented and scattered systems with Shamil which is single unified back-office foundation.
Enabled a flexible, development-ready platform, allowing teams to build and evolve custom modules.
Empowered internal teams with tools to develop and deploy new capabilities independently.
Introduced a Customer 360 module to centralize customer information, providing a single view of profiles, accounts, balances, and cards.
Solution Deliverables
Shamil Core Modules
Customer 360 Module
Result
& Impact
10 custom modules
successfully built within one year using the platform.
Significant time and cost savings.
Improved operational efficiency and team productivity.
+6 million
operations processed within one year.
