Helping 86 400 build Australia’s first smart neobank

86 400 is Australia’s first smartbank, designed solely for mobile. 86 400 received their banking license in 2019 and rapidly launched their retail bank; transaction accounts; savings accounts; and home loans, the same year.

Our role

As their strategic technology partner, we enabled 86 400 to bring their digital bank and products to market in record time, while simultaneously scaling up their own technology team.

Our work with 86 400 was completed over a 2-year period, with the end result being a successful launch to customers. Initially, the team was drafted in to assist with the business case, run technology POC’s, and design an early prototype of the app.

Following approval by the board, we created the bank’s architecture and provided a highly skilled technology team to accelerate the build.


We delivered a digital banking app and innovative customer experiences to help Australians bank smarter:

  • A modular, decoupled and purpose driven, micro-services platform. Balancing scalability, resilience, and maintenance to support 86400’s future roadmap
  • A hybrid-cloud and highly available API enabled mobile bank, built to connect with other Fintech’s and partners
  • Best-in-class identity access management, to eliminate sensitive credentials being stored in a ‘honey-pot’
  • A continually executable set of digital services, that ensures data never becomes stale
  • A set of closed-loop insight technologies to shorten the time between discovery and knowledge
  • A DevSecOps (‘Development Security Operations’) culture with ongoing, flexible collaboration between release engineers and security teams
  • Integration and development frameworks to create a flexible and adaptable resource model, that meets the needs of today’s regulatory focus.

For new banks and startups

Are you building a bank from the ground up? Do you need the best solutions for a successful delivery?

person pointing at sticky notes on a board

You can trust us to bring your ideas to life. Our team has done it before, and we know what to do every step of the way. By leveraging our frameworks, capability, and experience you can feel secure that you’re making the right decisions. Whether you prefer a bespoke solution, or an out-of-the-box solution; we’ve done it.

Accelerate your delivery with our expertise in banking platform solutions. We give you the confidence to make the right decisions early; by meshing our experienced team together with your in-house team, we enable you with the capability to be self-sufficient during and after a successful delivery.

We can help you build your platform end-to-end with specialists in all areas including:

  • End-to-end banking platforms in the cloud
  • Responsive web and native app development
  • DevOps and security experts
  • UX and front-end banking experts
  • Regulatory expertise
  • Omni-channel digital banking
  • Integration with well-known banking solutions
  • Open banking experience for new, small, and larger banking solutions.


Digizoo forms partnership with Google Apigee

Digizoo has partnered with the industry leading platform for API Management, Google Apigee to deliver world recognised modern integration solutions on either Cloud or on-premise for our clients.

The API Management landscape has undergone significant consolidation and change in recent years, and after the dust has settled, Apigee has emerged as a clear leader as shown by its clear dominance in the Gartner Magic Quadrant for API Management Platforms.

Digizoo has trained its software engineers to take full advantage of the Apigee suite as a key tenet of our digital platform architecture.