Case studies / Bigbank
VISA Credit Card Development Project for Bigbank
Client overview
Bigbank is an Estonian-owned commercial bank that has evolved from a specialized consumer credit institution into a full-service digital bank.
Financial Highlights (Year-End 2025):
- Total Assets: €3.3 billion, representing a strong growth of 19% year-on-year.
- Net Profit: €37.9 million (up 17.5% compared to 2024).
- Loan Portfolio: €2.7 billion (+23% growth). The growth is increasingly driven by home loans and corporate lending, moving away from their historical focus solely on consumer credit.
- AI
- Backend
- Java
- Self-Service
Problem:
- Bigbank sought to develop and launch a multi-featured VISA credit card platform including financial integrations, real-time functionalities.
Solution:
- SRINI carried out software development, API integrations, and feature implementation, integrating AI models could assist in credit scoring, real-time fraud prevention, customer risk profiling.
Result:
- The resulting system allowed secure and efficient credit card operations. With AI augmentation, the platform could continuously learn from user behavior to enhance financial security and decision-making.
