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Over 70% of US banks run on FIS, Fiserv or Jack Henry, on contracts that last the better part of a decade. We do not ask you to move. Our developers work inside the platform you have: extending it, connecting it and surfacing its data where your teams and customers need it.
Custom APIs, middleware and reporting layers built against FIS core and digital products.
Extensions, connectors and payment flows across Fiserv's core and processing platforms.
Built to Jack Henry integration standards, including jXchange and Banno channels.
Custom modules and data services for Temenos-based cores.
Wire your CRM, loan origination and compliance tools into the core, where the platform stops short.
Extraction, validation and reconciliation when you move platforms or stand up a new reporting layer.
Different institutions, different cores. We build for all of them.
Retail Banks
Commercial Banks
Credit Unions
Lending Institutions
Payment Providers
Chetu develops banking software with security, data protection, and financial messaging requirements built into the solution architecture. Our developers support PCI DSS requirements for payment card environments, GDPR-aligned data handling where applicable, and ISO 20022 integration for standardized financial messaging across banking and payment systems.
Extend your core, modernize the channels your customers actually touch, and put your platform's data to work. Built to your core's integration standards.
Secure transaction sync, monitoring and fraud controls across multi-vendor ATM fleets.
→Apps with biometric login, instant transfers and alerts, connected to the core you already run.
→Origination, servicing and settlement wired into the core and your third-party lending tools.
→Compliant electronic check and ACH processing integrated with your existing payment rails.
→EMV development, testing and certification support for your card programs.
→Built on your transaction history, in your environment, connected to the core. Not a standalone product you have to feed by hand.
Monitor core transaction data in real time and stop suspicious activity before it settles.
Reduce fraud risk
Credit risk models and automated decisioning built on your own lending and core data.
Shorten approval times
AI-assisted BSA and AML monitoring that flags patterns and produces the evidence trail.
Cut manual review
Segmentation, churn and next-product models from the data already sitting in your core.
Grow deposits and relationships
"I am happy with Chetu's services, their dedication, resilience, and excellence! This advances our goals while strengthening collaboration. Your support is truly valued."
“Our banking infrastructure was outdated! Experts at Chetu made it so that now it's secure, scalable, and customer-friendly!”
"A huge thanks to your team for the stunning design, staying on top of things, and keeping us moving strong to the finish line."
Six questions to ask before anyone touches your core.
| Comparison | Hiring in-house | General-purpose AI tools | Other outsourcing firms | Chetu |
|---|---|---|---|---|
| How fast can work start? | Months of recruiting | Instantly | Weeks of scoping and onboarding | ✓ Within 48 hours |
| What will you actually pay? | ~$50K+/month per team | Low subscription, plus staff to review and fix | Project quotes; changes billed extra | ✓ No overtime or hidden fees |
| Who manages and tests the work? | You build the process | You do; AI code needs expert review | Usually included | ✓ Free QA and free project management |
| Who owns the code? | Yours | Unclear if fully AI-generated | Often kept by the vendor | ✓ You (work-for-hire agreement) |
| Who is accountable for compliance? | You build and maintain the process | Nobody. AI output is not audit evidence | Varies; often stays your responsibility | ✓ Built to PCI-DSS, SOX, Dodd-Frank, Check 21 |
| Does the team know banking? | Only if you hire for it | General knowledge, not your regulations | Varies by firm | ✓ Core, ATM, EMV, ACH and lending teams |
We assess your current state, requirements, and constraints to build a strong foundation.
We define the scope, target architecture, integration plan, and security requirements with regulatory compliance built into the design.
We build in short, focused increments with continuous testing and feedback.
We validate end-to-end, ensure clinical and security readiness, and launch with confidence.
Chetu is an AI-first software development company. We combine AI-assisted development with 26+ years of engineering expertise to accelerate delivery without removing the human judgment, accountability, and technical experience behind every solution.
Build Faster With AI
Our engineers work alongside AI in a secure development environment to automate repetitive tasks, accelerate coding and testing, and streamline the software development lifecycle.
Expertise Behind Every Decision
AI accelerates the work our people remain responsible for it. Chetu experts review, validate, refine, and guide every solution to ensure it aligns with your business and technical requirements.
26+ Years of Custom Software Expertise
AI enhances a development model built over more than two decades. Our experience delivering 100% custom solutions helps us apply AI where it creates real value without compromising security, quality, or accountability.
Banking applications depend on connected systems. Digital banking, lending, ATM, payments, fraud monitoring, reporting, and customer service tools all need reliable access to core banking data and surrounding infrastructure.
Chetu develops, integrates, customizes, and supports these applications around the systems banks already use, including core platforms, payment processors, card networks, CRM systems, compliance tools, data platforms, and third-party financial services.
We develop and support retail banking applications used for account access, transfers, deposits, payments, card management, account servicing, and other day-to-day banking activities. Our developers can modernize existing applications, add new functionality, connect customer-facing applications with core banking systems, and integrate third-party banking services.
We support mobile and online consumer banking applications across authentication, account access, transaction history, transfers, alerts, digital onboarding, bill payment, card controls, and self-service functions. We can customize existing applications and develop integrations that allow digital channels to securely access customer and transaction data from core and supporting banking systems.
We develop and support loan origination, underwriting, servicing, repayment, and borrower-facing applications. We can integrate lending platforms with core banking systems, credit services, CRM platforms, document management systems, payment processors, and third-party data providers while preserving each institution’s approval, servicing, and compliance workflows.
We support ATM and self-service banking software across transaction processing, terminal applications, device connectivity, EMV functionality, monitoring, and reconciliation. Our developers can integrate ATM environments with core banking systems, processors, card platforms, transaction networks, and fraud monitoring tools so activity remains synchronized across channels.
Chetu develops and integrates fraud monitoring capabilities across account activity, cards, payments, digital banking, and transaction systems. Support can include transaction monitoring rules, risk scoring, alert workflows, case management integrations, and connections with existing fraud, AML, and compliance platforms.
We integrate digital wallet and card capabilities with existing banking applications, processors, card systems, and payment infrastructure. This can include tokenized payment workflows, card provisioning, transaction synchronization, stored payment methods, and wallet functionality across mobile and online banking channels.
We build alerting capabilities around banking events captured across core and connected systems. Banks can trigger notifications for transactions, balances, payments, account activity, fraud indicators, servicing events, and other defined conditions through mobile applications, SMS, email, or integrated communication platforms.
We integrate statement and document functionality with core banking data, document management platforms, and digital banking applications. This allows customers and employees to access account statements, transaction records, notices, and related documents through existing online and mobile banking channels.
We support banking applications that connect with foreign exchange data, cross-border payment systems, and international banking networks. Development can include exchange-rate feeds, multi-currency processing, payment routing, validation logic, and integration with the institution’s existing transaction and account systems.
We develop and support recurring and scheduled payment capabilities that connect digital banking applications with account systems, payment processors, billers, and transaction infrastructure. Support can include scheduling, processing, confirmations, transaction history, reconciliation, and payment status synchronization.
Yes. We develop integrations, middleware, APIs, reporting layers, digital banking applications, and supporting services around FIS, Fiserv, Jack Henry, and Temenos environments. Our work is designed around the integration methods, APIs, data structures, and technical requirements available within each platform.
No. Core replacement is not required for most integration and modernization projects. Our developers help extend the banking platform you already use by adding digital channels, third-party integrations, reporting capabilities, workflow automation, and other services around the existing core.
Yes. Our developers can connect CRM platforms, loan origination systems, servicing applications, document systems, payment platforms, compliance tools, and other third-party applications with your core banking environment. Depending on the available interfaces, integrations can use APIs, middleware, data services, messaging layers, or other supported connection methods.
We develop around the integration standards and access methods provided by your core banking vendor. This can include vendor APIs, SDKs, middleware, approved interfaces, sandbox environments, certification requirements, and partner programs. Our team works within those constraints while adapting the integration to your bank's workflows, security requirements, and surrounding systems.
That depends on the architecture, deployment model, and services involved. Our developers can design banking solutions to process and store data within your existing environment when required, including private cloud, on-premises, or controlled cloud infrastructure. Data flows, access controls, integrations, and third-party dependencies are defined during architecture planning so the deployment aligns with your security and regulatory requirements.
Cost depends on the scope of work, existing banking environment, number and complexity of integrations, application requirements, compliance considerations, deployment model, and level of customization required. A core integration, for example, has different requirements from a full digital banking application or multi-system modernization project. We evaluates the technical requirements first and then estimates the development effort based on the agreed scope.
We build on the core banking systems you already run, extending FIS, Fiserv, Jack Henry, and Temenos with custom integrations, modern digital banking channels, connected data workflows, and AI capabilities that work with your existing infrastructure.
A showcase of our diverse solutions, services and industry expertise.
Learn more about our custom software development for banking systems and drop us a line or give us a ring. We would love to hear from you and are happy to answer any questions.
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