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Digital banking delivered on the double

Ark empowers Australian organisations to rapidly deliver innovative and valuable digital banking customer experiences with lower cost and risk.

What is Ark?

Ark provides a set of pre-built modules to accelerate delivery of beautiful, usable & accessible cross-platform banking apps and websites. 

But, that’s just the tip of the iceberg.

Below the surface are all the hard-to-build capabilities that are essential to delivering a secure and compliant digital banking customer experience in a highly regulated industry.

Importantly, Ark is designed to be part of a larger ecosystem and will work with your chosen partners and vendors. Ark doesn’t try to be a complete platform or a Bank-as-a-Service offering which are expensive, can be more than you need and often leave you at the mercy of an overseas vendor who barely notices Australian companies.

Why Ark?

“Changing banks because of this app”
is a real customer review

As an Australian bank, mutual or credit union, you must provide a modern and engaging digital experience or customers will leave. The trick is to do this in a cost effective and low risk way.

Unfortunately, it can be hard to deliver innovative solutions if you are restricted by legacy systems or expensive software that no longer fits your needs.

Ark solves these challenges.

What are
the benefits?

Benefits to your banking customers

  • Best in field usability and accessibility
  • New features that your customers are asking for
  • Massively improved customer experience and increased retention
  • Customers are more likely to progress to bigger ticket products such as mortgages

Benefits to your organisation

  • Lower cost and risk profile
  • Easier regulatory compliance
  • A future proof tech stack and supporting frameworks for thing like DevSecOps
  • Faster deployment out of the gate as well as quicker updates and patches

What value
does Ark deliver

Ark helps you be faster to market with a better digital banking solution
for your customers, that costs less and doesn’t increase your risk.

Only invest in your unique features

Only invest in your unique features

Why re-invent the wheel?

Don’t spend money on the boring foundational stuff. Use pre-built modules that accelerate and de-risk your project. Save your money and development efforts on the important differentiating features will delight your customers.

Better experience
Decrease cost

How?

  • Pre-built modular foundation – Proven and tested modules for common banking customer journeys
  • Highly customisable code – Quickly build new services and features by leveraging code from existing modules
  • Modern tech and architecture – Popular, ‘commodity’ tech, a flexible backend and a cross platform hybrid app

Make the experience truly yours

Make the experience truly yours

Go beyond branding – customise modules even modify source code.

You have full control over brand down to the pixel level. Go directly from design to working hybrid app. Fully customisable so you can quickly create new and unique capabilities. Change the source code if needed.

Better experience
Speed to market

How?

  • Brilliant branding via the Ark Design System – Atomic level control over the Ark-UI. Go directly from design to working app
  • Flexible Ark-Core abstraction layer – Developer and customisation friendly wrapper around APIs, events and more.
  • Highly customisable code – Quickly build new services and features by leveraging code from existing modules
  • Source code access – Get ongoing access to the Ark source code, so your team can audit and change it as needed

Innovate quickly, cheaply & safely

Innovate quickly, cheaply & safely

Ark makes it easy to quickly trial ideas and tech.

Get to market before your competition. Be truly Agile. Quickly spin up a new greenfield offering or brand (a side bet if you will) to test ideas and tech. No need to bet the bank.

Decrease cost
Speed to market

How?

  • Pre-defined Ark Fast Start services package – Rapid agile services package to get you to internal MVP in 12 weeks
  • Easy integration with your systems – Reusable integration patterns which can be adapted to connect with your services
  • Sandbox included – Fully functional sandbox with app, dev portal, sample integrations and more

Rapid assured delivery by Digizoo

Assured delivery by Digizoo

Deliver super-fast with help from Digizoo’s experienced local team

Ark comes with onsite delivery services from Digizoo, the same company that built the product. Digizoo only focus on banking and financial services and have done it all before. Thanks to the pre-built modules and experience of the team we can get you to MVP in just 12 weeks.

Speed to market
Decrease cost
Reduce risk

How ?

  • Pre-defined Ark Fast Start services package – Rapid agile services package to get you to internal MVP in 12 weeks
  • Comes with supporting capabilities – Reusable frameworks, standards, and tools help deliver and extend the solution
  • Sandbox included – Fully functional sandbox with app, dev portal, sample integrations and more

Plays nicely with others

Plays nicely with others

Don’t replace what already works.

Ark is designed to be part of an ecosystem. It’s easy to connect to the systems you have so you can keep your preferred back-end components if desired. Leverage existing tech investment without compromising customer experience. Data sharing and open banking ready thanks to common data standards.

Decrease cost
Reduce risk
Better experience

How?

  • Easy integration with your systems – Reusable integration patterns which can be adapted to connect with your services
  • Flexible Ark-Core abstraction layer – Developer and customisation friendly wrapper around APIs, events and more.
  • Standards based data models – Common data standards like ISO and CDR mean easier integration and data use

Future proof with no lock in

Future proof with no lock in

Ark is API-led and event driven, built on containers and popular technologies

Ark uses modern, scalable, and popular ‘commodity’ tech that your developers want to use and is easy to resource. You can even get access to the source code. Host where you want or take Ark as a managed service.

Reduce risk
Decrease cost

How?

  • Modern tech and architecture – Popular, ‘commodity’ tech, a flexible backend and a cross platform hybrid app
  • Hosting flexibility – Take Ark as a managed service or host where you want
  • Source code access – Get ongoing access to the Ark source code, so your team can audit and change it as needed

Easier compliance & other reviews

Easier compliance, security, usability and accessibility reviews

Ark aligns with multiple standards – including CPS 230, 234 & 235 from APRA, PCI DSS & PII from the OAIC, ISO 27001 and SOC 2 – to provide risk control coverage in multiple areas. It is accessible and highly usable from the get-go. Bank grade security is baked in. Access and audit the source code if you need to.

Better experience
Reduce risk

How?

  • Accessible & highly usable from the get-go – Delightful, intuitive & accessible customer experience
  • Bank grade security – Built, from the ground up, with modern security practices
  • Compliance control coverage – Risk control coverage made easier through alignment to Australian and global standards

Cost effective and flexible pricing

Cost effective and flexible pricing

Lower cost, not quality

License all the Ark modules or just the essential set. Flexible and simple pricing model, based on the size of your business. Subscription based so costs are managed as OpEx. Managed service and access to source code are add-ons. Ark Fast Start services package is included.

Decrease cost

How?

  • Sensible subscription pricing – Easy to understand rates based on the size of your business.
  • Pre-defined Ark Fast Start services package – Rapid agile services package to get you to internal MVP in 12 weeks
  • Source code access – Get ongoing access to the Ark source code, so your team can audit and change it as needed

Take only the
modules you need

Ark made up of a set of modules designed around common banking customer journeys. You can choose to only use the modules that you need.

Authentication

Leverages banking standard authentication practices and patterns so that you can trust that each user is who they really are in every part of the experience.

Onboarding

A modern onboarding and account origination experience that complies to AML, CTF, and KYC regulation.

Profiles & personalisation

Users can self-manage their profile and personal details to make your banking experience their own.

Accounts

Enable your users to create and manage accounts. Ark offers savings and transactional accounts. Transactional accounts can be linked to a card.

Transactions

Each transaction can be observed and is easily accessible. Transaction events are emitted from Ark to power a responsive payments experience.

Cards

Simple and elegant experience to manage cards, which can be provisioned physically and digitally for instant use. With digital wallets coming soon.

Payments

Ark’s robust payments capabilities enable you to offer different payment experiences and solutions. Ark can make payments through DE and NPP.

Statements

Transaction and interest statements are generated automatically every month for every account and can be downloaded directly from within the app.

Help and Support

Integrate with your CRM and customer support systems to provide give users a seamless support experience.

Go directly from
design to working app

Deliver a consistent but fully branded UI incredibly quickly. Change the design and your app changes accordingly.

The Ark Design System lets you change nearly anything in the Ark-UI to make it look and feel like your brand. You can simply change design elements within the Figma design tool and then deploy your version of the Ark UI Kit, with full documentation, to the working app, with no coding required.

This makes it quick and easy to create a new look and feel, whether you are changing a button colour or an entire page flow.

Build something
unique for your customers

Ark provides unrivalled flexibility for customisations

Ark made up of a set of modules designed around the banking customer journey. Each module includes the Ark-UI and the Ark-Core, which provides a flexible abstraction layer around the Experience APIs, streaming events, workflows, data and integrations.

If you need to create a unique customer journey, we can pull apart the Ark-UI and Ark-Core capabilities in the pre-built modules and build custom capabilities as needed.

Ark is built and delivered
in Australia by Digizoo

Since 2015, Digizoo has delivered digital banking solutions for the big banks, as well as smaller mutuals & fintechs.

Our local, highly experienced teams have helped deliver end-to-end banking platforms and mobile apps for the likes of Westpac, Rabobank, Greater Bank, 86400 (now ubank) and Volt. We’ve also delivered embedded finance solutions for companies like Money by Afterpay, Pacific National and Ampol.

Learn more about Digizoo