Revolutionise Banking with the Market Leading Cloud Native Platform

The most comprehensive ready to use solution for Retail & SME Banking
enabled by advanced API technology


Vodeno is transforming the financial services industry

We are offering instant access to the most comprehensive banking as a service platform available on the market. Our solution addresses the challenges of increased regulation and allows you to exploit the digital revolution through innovation.

The Vodeno Cloud Platform provides a fast track solution for newcomers wishing to enter the financial services market, financial institutions looking to migrate from legacy technology and processes or financial and e-commerce firms wishing to broaden their portfolio of products.

As a technical Service Provider we offer instant access to the most comprehensive banking as a service platform available on the market. Our solution addresses the challenges of increased regulation and allows you to take advantage of the digital revolution through innovation.


Vodeno next
generation banking platform

The Vodeno Cloud Platform (VCP) is the world’s first and most comprehensive banking platform to
operate entirely in the cloud, complying with strict regulations and allowing innovation at speed.

The Vodeno Cloud Platform provides a fast track solution for financial institutions looking to migrate from legacy technology, newcomers wishing to enter the financial services market, or for financial and e-commerce firms wishing to broaden their portfolio of products.

300+ APIs

Covering all aspects of Retail & SME universal bank activities.

Secure by Design

Data security using unique customer keys with blockchain integrity control algorithms.


For forecasted exponential growth in customer digital interaction.

Data Lake Services

Batch processing, Speed processing, Analytics and Reporting.

Fully Cloud-Based
and API-Enabled

Vodeno Cloud Platform, built by our engineers on top of Google’s public cloud infrastructure, is a unique composition of micro-services operating within a scalable lambda architecture and with native support of big data processing.

Being fully cloud-based and API-enabled, our platform simplifies migration from any legacy core banking systems or other in-house solutions.

Our disruptive solutions, all from one source, are perfectly suited for banks digitising their activities, fintechs who wish to extend their services or any company interested in entering the financial services market.


Everything you need for your
retail and SME clients

Vodeno empowers you to rapidly create innovative, state of the art financial solutions. Products and services are easy to tailor to your needs due to our intelligent system of smart contracts.

You can go live with complete peace of mind, knowing that Vodeno’s products and services are compliant with European Banking Association’s outsourcing guidelines.

Vodeno cooperates with a reputable banking licensed entity in providing services requiring a banking license.

We offer the following services:

Customer facing services

Daily banking services

Other services


Enhance your services with
the Vodeno Cloud Platform (VCP)

We offer fully integrated and operational ready products and services,
either as a complete or modular solution.

Smart contracts

VCP includes a full suite of retail banking products, including current accounts, loans, savings, mortgages and credit cards. All products are implemented through our intelligent system of smart contracts, holding the legal contract and product servicing information. Digitally signed smart contracts offer a single source for the customer’s current and historical positions. New smart contract templates can easily be created using our Product Wizard.

Customer Data

VCP provides a single view on the customer through its Customer Data Management system. The customer ledger is accessible from different cloud regions to fulfill the most rigorous regulatory requirements. Our customer ledger stores every transaction, activity and the customer’s signed contract in one location.


VCP applies a data streaming architecture to perform analytics on the primary database information. Data pipelines are written for each type of report, thus releaving primary databases from stress and ensuring results in real-time. The system is used to calculate all financial and regulatory reports and can populate a data warehouse if large scale data science queries are needed.

Customer API,
Web and Mobile App

All digital customer interactions are performed through a single customer API, ensuring a consistent customer experience across all channels – browser and mobile applications. VCP apps provide full funcionality of banking, not only transactions, payments and account management but also KYC, change of address, bank communications and spending insights.

Banking Operations Website

Our customer’s employees can access all their banking operations online. The website handles all banking activity including customer service, product management, financial management and compliance. Each employee has an assigned role and has access only to data relevant to them. This allows us to serve all employees of our customers and is customised to each organisational structure.


VCP can be connected to any bank’s existing infrastructure or use a range of third party solutions for KYC, cards, payments, fraud and credit risk.

Latest news

Vodeno awarded with Digital Excellence of the year 2020

The Digital Excellence Awards is a competition, organised by CIONET, that honours the ‘best of the best’ leaders in digital transformation every year. Its purpose is to recognise companies that have driven business model change through digital transformation, in the process making their organizations more effective and innovative. The competition also aims to highlight the evolving role of digital transformation leaders within their enterprises.

This year we are immensely proud to announce Vodeno has won a Digital Excellence award in the ‘Digital Strategic Perspective’ category for the creation of Aion Bank in Belgium, an exemplar of the future retail/SME banking model.


The “Digital Strategic Perspective” category is granted to a company whose digital transformation project is directly reflected in the key areas of business development strategy. The project goals have to be ambitious, adequate and confirmed by measurable indicators with a noticeable impact of the company’s position against its competitors.


Vodeno revolution

Vodeno revolutionises banking with the market leading cloud native platform. Diversity is not just a slogan for us.

We represent various cultures and share common respect for our backgrounds, beliefs and traditions.

We believe that in order to bring real value to our customers and to our employees, we need to have a strong and consistent organizational culture. A culture based on three pillars: VALUES, ONE TEAM and TECHNOLOGY where employee journey is of utmost importance to us.

Who are we?

Why working with us?

Join our team!

Vodeno Sp. z o.o.
ul. Dobra 40
00-344 Warsaw

Vodeno limited liability company, Dobra 40, 00-344 Warsaw, Poland, entered in the Entrepreneurs Register of the National Court Register maintained by the District Court for the capital city of Warsaw, XII Economic Department of the National Court, Register under number KRS 0000728418, with share capital PLN 96,669,800.00 entirely paid, NIP (Tax Identification Number) 5223122470.