Karamjit Chana
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Banking · Modular software

Banking plug-ins.

Modern banking capability that slots into any institution — modular, secure, standards-aligned.

Banks and institutions don’t need to rip out their core to modernize. I build the capability as plug-ins — drop-in modules that add what’s missing and leave ownership with the institution.

The problem

Financial institutions are trapped between legacy cores they can’t replace and modern demands they can’t meet. Rebuilding is a multi-year, bet-the-bank project. Most simply defer — and fall further behind.

What I build

A library of banking software modules — payments, ledgers, onboarding, compliance and screening, and settlement — engineered to plug into an existing institution rather than replace it. Modular, secure by design, and aligned to regulatory standards, so a bank adds capability without betting the bank.

Inside it

Payments & ledgers

Modern rails and tamper-evident ledgers that integrate with the systems an institution already runs.

Compliance built in

KYC, AML, sanctions and PEP screening as modules — regulatory capability that ships with the product.

Plug-in architecture

Add one capability or many; each module stands alone and slots into the core without a rip-and-replace.

Secure by design

Post-quantum-ready cryptography and institutional-grade controls underneath every module.

The point is leverage: institutions get modern capability in months, not years, and keep ownership of their stack. Banking, modular — drop it in, own it.

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Serious about this? So am I.

Let’s meet.

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