SmartVista Digital Banking

BPC Banking Technologies is a banking and payments software company with its global head office in Baar, Switzerland and offices across Asia Pacific, including Ho Chi Minh City, Singapore and Makati. It serves over 500 institutions in 150 countries, from central banks and switches to commercial banks and neobanks.

SmartVista Digital Banking is a white-label, cloud-ready platform that combines everyday retail banking, SME tools, merchant services, digital wallets and agent banking on one microservices and open API infrastructure. Banks and fintechs can deploy it as banking-as-a-platform or banking-as-a-service. It includes biometric onboarding, tiered KYC wallets, virtual cards, QR payments, loyalty, personal finance tools, super app mini-services and a no-code environment for product journeys, alongside BPC modules for card management, API banking and digital lending.

• Unified banking app: Combines retail, SME, merchant and agent banking in one application.
• Biometric onboarding: Opens accounts remotely with tiered KYC and simplified wallets.
• Virtual cards and QR: Issues virtual cards and supports QR payments for customers and merchants.
• Super app services: Adds third-party mini-services without republishing the app.
• No-code journeys: Lets business teams configure products and customer journeys.
• BaaS deployment: Offers the platform as a white-label service or as banking-as-a-service.

A Vietnamese bank could launch a digital bank brand with biometric onboarding and virtual cards. A telecom or retail group could offer a co-branded wallet and banking app through a partner bank. A microfinance institution could run agent banking for cash-in and cash-out in rural areas.

Banks and fintechs launch a full digital bank or super app without building channels from scratch, and update journeys through no-code configuration. Celent named SmartVista a Luminary, its highest designation, among nine Asia Pacific vendors in 2025. BPC's platforms handle about 30 million transactions daily, and a sandbox lets teams test onboarding, virtual cards and e-commerce payments.

Digital channels now carry most banking interactions in Asia Pacific, and banks, telcos and super apps in Southeast Asia want white-label digital banking with QR payments and agent networks. Platforms that combine digital banking, cards and payments shorten launch timelines for new digital banks.

Global head office in Baar, Switzerland, with more than 20 offices including Ho Chi Minh City, Singapore, Makati, Phnom Penh, Mumbai and Dhaka. Serves over 500 institutions in 150 countries. Named a Luminary by Celent in 2025. Case studies include Cake Bank, Tonik, Tyme Bank, Landbank, Meezan Bank and Banca Transilvania. Founding year not stated on the fetched pages.