Business Growth Solutions

About Bankware

Bankware Global is the only global core-banking software company Korea has produced
— delivering core-banking and cloud-platform solutions for 17 years, listed on KOSDAQ (199480) since August 2024.

Company Overview

Company	Bankware Global Co., Ltd.
Co-CEOs	Kyungjo Lee · Eunjoong Lee
Founded	June 3, 2010
Business	Core-banking software & cloud platform; total system integration (SI) and IT services
Headquarters	Jung-gu, Seoul, Korea
Website	www.bankwareglobal.com

Co-CEO

Kyungjo Lee

Director · Global Business

44 years in core banking
Former Vice President, IBM Korea
IT consultant

Co-CEO

Eunjoong Lee

President · Domestic Business

36 years in core banking
Former Partner, IBM Korea

1^ST

Korea's first
global core-banking vendor

Countries

100⁺

Clients

450⁺

Employees

250M⁺

Daily transactions

38^%

CAGR since founding

Global Network

3 subsidiaries, business presence across 7 countries, headquartered in Seoul.

Bankware Global Group HQ

Seoul, Korea · founded 2010

Core-banking R&D & engineering

Shangyun

China · est. 2016

Alibaba Group JV
Core banking & auto-finance SaaS
AMS — China & Myanmar

Bankware Japan

Japan · est. 2017

Credit card & core banking
Partner to Japan's largest payment gateway

Bankware ASIA

Singapore · est. 2023

Asia regional headquarters
Banking SaaS business

Global Development Center

Philippines · planned 2026

Global delivery & engineering hub

Selected technology & delivery partners

Partners: Ant Financial, Naver Cloud Platform, eXa, GMO, AWS, Buerger, IBM, Oracle, SAP, Kyndryl, Hyundai Card, Alibaba Cloud

Product Portfolio

Eighteen products, two ways to read them — by strategic position, or by product line and deployments.

BUSINESS

INFRASTRUCTURE

PROTECT

GROW

OPERATEBusiness · Protect

What banks run daily

End-to-end banking operations on one platform

BX-CBSCore Banking Solution (formerly BX-CBP)
BX-LOSSavings Bank Solution
BX-AFSInstallment Finance Solution
H-ALISCredit Card Solution
BX-ERPReal-Estate Trust ERP

ACCELERATEBusiness · Grow

What launches next

From idea to live banking in months, not years

BADACore Banking SaaS · 6–9 months to go-live
BX-IBSDigital Bank Solution · GA 2025
BX-CoCoreCloud-native MSA core — proven CBP, re-architected · GA 2025
ShangyunAuto Lease & Capital Finance SaaS · Alibaba JV

ANCHORInfrastructure · Protect

How deep the foundation

Battle-tested frameworks with full transaction visibility

enPharosApplication Performance Manager
BX-MJava Application Framework
BX-IIntegrated Internal/External Interface
EZ-GatorFile Transfer Management
BX-CPCloud Infrastructure Management

AMPLIFYInfrastructure · Grow

How fast we build

Build, modernize, and extend the core — faster

BX-PFProduct Factory, Fee & Interest Calculator
BX-CAEnterprise AI Development Environment
BXCCCOBOL-to-Java Converter
BX-BBlockchain Middleware

Vertical — Business ↕ Infrastructure (what it serves) Horizontal — Protect ↔ Grow (strategic intent)

N deployments to date

Banking SaaS

벽킹 SaaS

2 products

BADA

Core Banking SaaS

Shangyun

Auto Lease & Capital Finance SaaS

Financial Application SW

금육어플리케이션 SW

7 products

BX-CBS

Core Banking Solution

BX-IBS

Digital Bank Solution

BX-CoCore 2025

Cloud-native MSA core, containerized

BX-LOS

Savings Bank Solution

BX-AFS

Installment Finance Solution

H-ALIS

Credit Card Solution

BX-ERP

Real-Estate Trust ERP

Financial Infrastructure SW

금육인프라 SW

9 products

BX-PF

Product Factory

BX-M

Java Application Framework

BX-CA 2025

Enterprise AI Development Environment

128

EZ-Gator

File Transfer Management

BX-I

Integrated Internal/External Interface

BX-B 2025

Blockchain Middleware

BX-CP

Cloud Infrastructure Management

enPharos

Application Performance Manager

BXCC 2025

COBOL-to-Java Converter

Explore Banking Solutions Architecture & Technology

Our Solutions

Agile and intelligent banking solutions for innovation, seamless customer experiences, and operational excellence.

BX Suite

Simplify complexity, amplify efficiency. The smarter core for modern banking challenges

Customer Management

Unified 360° client view with data insights and adaptable KYC/AML.

Customer Management

Accounting

General ledger, real-time reconciliation, and inter-bank settlement.

Accounting

CASA

Core deposit-taking, transactions, and interest/fee calculation.

CASA

Deposit

Time deposits — onboarding, interest accrual, and maturity.

Deposit

Loan

End-to-end loan lifecycle, application to disbursement.

Loan

Payment

Seamless domestic and international payments.

Payment

Mobile Banking

Full banking on mobile, anytime and anywhere.

Mobile Banking

Branch Teller

Tools for efficient in-person teller servicing.

Branch Teller

Agency Banking

Banking through agents, reaching remote areas.

Agency Banking

FX

Trade finance, remittance, and FX with full SWIFT MT/MX.

Treasury

FX dealing, money market, funds transfer, and securities.

Treasury

Feature List

Product-native banking features, out of the box, by domain. Click to view.

Customer Management & CIF

Party onboarding — individual, sole proprietor, corporation, corporate entity, association, correspondent bank
Single customer view (deposit / loan / FX balances; transactions, contacts, benefits)
Customer lifecycle — create / change / terminate; query / verify / modify
Customer classification & rating
KYC / real-name verification with AML risk rating
Multi-channel contact management (service-routed, change history)
Consent / authorization & data governance
Multiple roles per party (Customer / Business Partner / Employee)
Blacklist / contact-block management
Role-based differentiated views

Deposits & CASA

Open / close / early termination
Deposit / withdrawal / cash handling / interest payment
Account maintenance, inter-branch transfer, dormant accounts, restrictions
Time / demand / installment product maintenance
Interest accrual with simulation; rate composition (base + preferential)
Multi-dimensional balances (available / actual / frozen)
Certificates & statements (deposit, balance, withholding-tax)
Maturity processing / auto-rollover

Payments, Settlement & Transfers

Four transfer types — one-off, intrabank auto, cross-bank bulk (Giro / CMS / payroll)
Easy-send (contact-initiated, 1/N split, unclaimed handling, expiry)
Auto transfer / Center-Cut day-end batch
Purpose-issued virtual accounts
Self-service transfer limits (by channel and type)
Notification & security services (alerts, delayed transfer, device binding)
Real-time posting to accounting
Catch-up collection (async, parallel)

Cards

Debit — issuance, bank-led real-time authorization, demand-account debit, daily reconciliation
Credit — partner-issuer authorization, purchase / cancellation / billing
Dual settlement base (authorization / settlement); QR activation

Accounting & General Ledger

Real-time / deferred posting
General ledger & chart of accounts (multi-entity, multi-level, parent-child aggregation)
Journal-entry rules (product + amount type + account)
Manual journal entries; financial statements
Balance reconciliation (business ledger / off-balance / GL)
Settlement process control (step validation, status tracking, re-execution)
Off-balance transactions; inter-branch clearing
Suspense-account management
Business open / day-end close with pre-close validation
Seven sub-systems (cash, GL, journal, manual entry, balance verify, internal & inter-branch)

Product Management

No-code product launch & maintenance by business staff (Configurator)
Rate / fee / condition configuration + pre-launch, account-agnostic simulation
Multi-channel deployment (selective, change-tracked, pre-release validation)
Multi-view classification (risk / compliance / seller / buyer / finance)
Unified product catalog (incl. competitors) + AI-assisted entry
Unified fee management with what-if simulation

Customer Benefits & Marketing

Benefit determination & granting (rate discount, points, coupons, cashback, gifts)
Four ledgers — granted / excluded / candidate (predicted) / campaign-specific
Candidate-benefit self-selection (add / remove / edit / query)
Coupon marketing (partner & supplier integration; apply / redeem / track)
Performance-driven preferential pricing (by balance tier, MAX of tiers)

Operations & Common Services

Maker-Checker approval (single / multi-level, amount thresholds, timeout escalation)
Task monitoring (async), rejection-reason tracking, resubmission
Document generation & issuance (statements, contracts, certificates) + inbound docs
Numbering / sequence generation (13+ patterns)
Business-day / holiday calendar (30-year)
Transaction restrictions (Actor / Customer / Contract; by channel)
Notification (unified API), multi-language (25+ content types), common codes
Org / employee / permission management (7-dimension access control)

Product Catalog

Product lines supported out of the box, by category. Click to view.

Not a fixed SKU list — products are assembled from conditions & templates via the Product Factory. Below are the product lines the platform supports out of the box, without new development.

Deposits

Demand / current (DDA) Time deposit Installment savings Personal & corporate savings

Loans

Mortgage / home loan Collateral & certificate-pledge loan Guarantee-backed loan Auto finance Lease

Cards

Debit / check card Credit card

Payments & Settlement

Transfer (one-off / intrabank / cross-bank bulk) Giro / CMS / payroll Virtual accounts Easy-send (1/N split) QR payment

Service Products

Transfer service Exchange service Notification service

Generic-model Types

Membership Points Merchant Assessment / credit Settlement Investment Banking Derivative templates (Set-off, Swing)

Scale: 600+ / 1,000+ pre-built condition templates across 17 bank sites · IBK ran 5,000+ products on an unchanged model for 10+ years · KB Kookmin 20,000+ products on one system · launch in ~1 day (deposit) / 2 days (loan).

Architecture & Technology

One component-driven core: independently scalable microservices, a Product Factory, and no-code configuration — on-prem or any cloud.

BX-CBS Platform Architecture

The full component-driven core map — channels to platform. Click to explore.

Platform Architecture

Microservices

Component-driven core decomposed into independently scalable banking services.

Microservices

Product Factory

Template-based product factory — launch products in weeks, no coding.

Product Factory

Parameterization

Configuration Center externalizes rules — behavior changes without code releases.

Parameterization

Cloud Native

One core platform: on-prem, any cloud, or SaaS.

Cloud Native

Open Banking

Core banking exposed as secure Open APIs for BaaS and embedded finance.

Open Banking

BX-I Integration

One configurable integration backbone — field-proven in production.

BX-I Integration

BX-M Framework

The Java framework behind every BX product — battle-tested at K Bank, Shinhan, and BC Card.

BX-M Framework

Technology Stack

The full platform stack — framework to security, across three deployment models. Click to view.

Bankware Platform Proprietary IP — consistent across every deployment

BX-M / BXM framework BX Studio IDE Hot Deploy CBS / CBB BX-PF Product Factory Configuration Center BX-I (BXI 3.0) BX Cloud Framework 3.1 BX-CoCore BX-CP BADA

Technology Foundation Open & replaceable — DB- and platform-independent

Language & Frameworks

Java 21 (OpenJDK / Oracle JDK) Spring (MVC / Security / JPA / Hibernate) Spring Batch Apache Camel Netty4 MicroProfile LRA

Web / WAS

WebSphere WebLogic JBoss Resin Springboot 3 (internal WAS)

Messaging

Apache Kafka ActiveMQ

Database

Oracle 12c / 19c MySQL Enterprise 8.x RDS for MySQL DB2 Oracle RAC Data Guard CDC

Cloud & DevOps

Kubernetes Docker VM Amazon EKS Alibaba AKS Jenkins Terraform ELK

Registry

GitLab Nexus Amazon ECR

Encryption

AES-256 SEED-256 ARIA-256 3DES TLS / SSL

Multilingual

Korean English Japanese Chinese Traditional Chinese Indonesian Filipino + any language on request

Information-System & Analytics Systems-integration capability — third-party / open-source tools BWG builds and integrates per client for the information-system (data-warehouse & analytics) layer; not a Bankware product module

Hadoop / HDFS Apache NiFi Sqoop Zookeeper Oozie MicroStrategy

Technology direction: containerized on Kubernetes, one codebase across on-prem / cloud (AWS·AliCloud) / SaaS, evolving toward BIAN v12 + DDD microservices.

Professional Delivery Process

Our proven approach ensures seamless project execution and measurable results.

Insight & Blueprint Planning

Deep Industry Understanding & Business Consulting
Predefined Best Practice Templates

Agile Build & Rapid Validation

Modular Core & Visual Configuration
Automated Testing & Continuous Integration

Smooth Migration & Seamless Go-live

Mature Data Migration Tools & Methodology
End-to-End Go-live Rehearsal & Risk Contingency

Empowerment & Continuous Evolution

Comprehensive Knowledge Transfer & Client Enablement
Flexible Operations & Growth-Aligned Business Model

Flexible Delivery Models

Choose the model that best aligns with your strategic goals, resources, and desired level of control.

On-Premises

Your Data Center, Your Control

Fully deploy and operate the Bankware platform within your own data center infrastructure.

Full control over data & infra.
Highest level of customization available.
CAPEX intensive investment profile.

Best for

Large banks needing maximum control.

Most Adopted

Dedicated Cloud

Cloud Benefits with Isolation

Exclusive, isolated Bankware environment on a public cloud, balancing elasticity and independence.

Shared responsibility / Managed service option.
Medium to high customization capability.
OPEX focused investment profile.

Best for

Banks needing cloud benefits & data isolation.

Cloud Banking Service (BADA SaaS)

Fast, Flexible, Fully Managed

Consume Bankware as a fully managed cloud service, enabling rapid launch and pay-as-you-go.

Bankware manages platform & infrastructure.
Limited customization (configuration-based).
Pure OPEX (usage-based) investment.

Best for

Banks needing speed & low initial cost.

The Core Banking Platform Built for Business Growth

About Bankware

Product Portfolio

Our Solutions

BX Suite

Customer Management

Accounting

CASA

Deposit

Loan

Payment

Mobile Banking

Branch Teller

Agency Banking

FX

Treasury

Feature List

Product Catalog

Architecture & Technology

BX-CBS Platform Architecture

Microservices

Product Factory

Parameterization

Cloud Native

Open Banking

BX-I Integration

BX-M Framework

Technology Stack

Professional Delivery Process

Insight & Blueprint Planning

Agile Build & Rapid Validation

Smooth Migration & Seamless Go-live

Empowerment & Continuous Evolution

Flexible Delivery Models

On-Premises

Dedicated Cloud

Cloud Banking Service (BADA SaaS)

The Core Banking Platform
Built for Business Growth