# CloudBankingPlatform -- Next-Generation Financial Software

> CloudBankingPlatform (a project of Dual Core Fintech Forge Sp. z o.o.) is a Polish company with 15 years of experience building software for the financial industry. We deliver loan platforms, core banking, debt collection, leasing and factoring systems. 50+ implementations, 89 completed projects, full KNF and GDPR compliance.

**Location:** Warsaw, Poland (Zebra Tower, 8th floor, Mokotowska 1)
**Contact:** biuro@dualcore.pl, +48 601-778-664
**Website:** https://cloudbankingplatform.com/en/ (EN), https://cloudbankingplatform.com (PL)

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## Who we serve

Financial institutions that want to automate processes, ensure regulatory compliance, and cut credit decision time from days to minutes:

- **Loan companies** (payday loans, installment loans, home service loans)
- **Banks and credit unions** (core banking, multi-currency, API-first)
- **Leasing companies** (calculators, full contract lifecycle, settlements)
- **Factoring companies** (invoice and contractor verification, receivables monitoring)
- **Debt collection agencies** (automated campaigns, scoring, multi-channel)

## Key metrics

- **15 years** of experience in financial IT (since 2010)
- **21+ regular B2B clients** in the fintech sector
- **40+ financial institutions** served
- **52 successful implementations**
- **89 completed projects**
- **24/7** system availability

## 5 products

### 1. Loan Platforms (bestseller)

Complete system for consumer and business loan servicing:

- Payday loans, installment loans, home service loans, call center
- Full automation of applications and credit decisions
- Automated SMS and email communication across the loan lifecycle
- Integration with **20+ external partners** (credit bureaus BIK, BIG, KRD, banks, payment gateways)
- Integrated CRM + debt collection module
- Open Banking / PSD2 (AIS, PIS)
- Affiliate partners, call center, ML scoring, antifraud

### 2. Banking Systems

Modern core banking for financial institutions:

- Multi-currency support
- KNF compliance (recommendations D, T, M)
- API-first architecture
- Real-time transaction processing

### 3. Debt Collection Systems

Advanced tools for debt collection and recovery:

- Automated collection campaigns
- Debtor scoring
- Multi-channel communication (SMS, email, calls)
- Court and enforcement case management

### 4. Leasing Systems

Comprehensive leasing management:

- Financial calculators
- Full leasing contract lifecycle
- Automated settlements
- Accounting integrations

### 5. Factoring Systems

Factoring management:

- Invoice verification
- Contractor verification
- Receivables monitoring
- Risk scoring

## Unique value

- **24/7 automation** -- the process from application to repayment with no manual data entry
- **Speed** -- we cut credit decision time from 3-5 days to minutes
- **Compliance** -- full alignment with KNF, GDPR, DORA, NIS2. AES-256 encryption. Tier-3 data center in Poland
- **Integrations** -- 20+ external systems out of the box
- **Intelligence** -- behavioral ML scoring, fraud detection
- **Infrastructure** -- Tier-3 data center, triple backups, biometric access control, redundant fiber links

## Supported integrations

**Credit bureaus and antifraud:** BIK, BIG InfoMonitor, KRD, ERIF, Authologic, EasyCheck

**Payment gateways:** PayU, Przelewy24, Dotpay, BlueMedia, Stripe (international)

**Open Banking / PSD2:** account information services (AIS) + payment initiation (PIS)

**Call center:** CCS (Cloud Contact Solution), Focus, Thulium, VCC

**Affiliate partners:** loan brokers, comparison sites, agent networks

## The problem we solve

Financial institutions lose PLN 50,000-200,000 monthly due to:

- **60+ hours per month** of manual application processing
- **5-10 scattered systems** (Excel, CRM, banking) with no integration
- **GDPR penalty risk** of up to EUR 20M for compliance gaps
- **Slow decisions** (3-5 days) = 30% of leads lost

## Implementation process

1. **Discovery** (1-2 weeks) -- process analysis, integration mapping, implementation plan
2. **Proof of Concept** (2-4 weeks) -- a working prototype on real data
3. **Implementation** (4-12 weeks depending on scale) -- delivery, training, migration
4. **Support and growth** (ongoing) -- SLA, monitoring, optimization, new features

## Security and compliance

- **GDPR** -- full compliance, data minimization, right to be forgotten
- **KNF** -- alignment with recommendations T, D, M, O
- **Encryption** -- AES-256 at rest, TLS 1.3 in transit
- **Data center** -- Tier-3 in Poland, N+1 redundancy
- **Backup** -- triple backups (3-2-1 rule)
- **Biometrics** -- physical access control to the server room
- **Audits** -- regular penetration tests and compliance audits

## FAQ

**What is CloudBankingPlatform?**
B2B software for financial institutions -- 5 product modules (loans, banking, debt collection, leasing, factoring) delivered as proprietary software by Dual Core Fintech Forge.

**What solutions do you offer?**
Loan platforms, banking, debt collection, leasing and factoring systems. Each with full automation, integrations, and regulatory compliance.

**Are your systems compliant with KNF and GDPR?**
Yes. All our systems are designed for compliance with KNF recommendations (T, D, M, O) and GDPR. We also support DORA and NIS2 alignment.

**How long does an implementation take?**
A typical implementation takes 4-12 weeks depending on scale and the number of integrations. First results (PoC) are visible after 2-4 weeks.

**What external systems do you integrate with?**
BIK, BIG, KRD, ERIF, Open Banking PSD2, payment gateways (PayU, Przelewy24, Dotpay, BlueMedia), call center systems (CCS, Focus, Thulium), affiliate partners. We have ready connectors for 20+ systems.

**How much does an implementation cost?**
The cost depends on the selected modules, scale of operations, and required integrations. Contact us via the website form -- we will present an offer after a short discovery call.

## Contact

- **Email:** biuro@dualcore.pl
- **Phone:** +48 601-778-664, +48 504-739-590
- **Address:** Zebra Tower, 8th floor, Mokotowska 1, 00-640 Warsaw, Poland
- **Website:** https://cloudbankingplatform.com/en/
- **LinkedIn:** https://pl.linkedin.com/company/dual-core-fintech-forge-sp-z-o-o
- **Company:** Dual Core Fintech Forge Sp. z o.o.
- **KRS:** 0000718533, NIP (tax ID): 7010801550, REGON: 369469892

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Last updated: 2026-06-10