Ark
Ark is the embodiment of our collective experience in building banking and digital platforms with local clients.
Ark is the banking technology foundation Australian mutuals build on. It works with the core you already run, so your team can ship onboarding, lending and everyday banking journeys without a full core replacement.
What is Ark
Ark provides the foundations to adapt your technology to match your business needs.
We build a solid foundation for your banking technologies
Security, data, integration, the audit trail a regulator asks for. The parts that take longest, carry the most risk, and never appear in a product brochure are done before you start.
Connected to the local banking ecosystem
Ark connects your core and product systems, giving you the choice on how you want to construct your business.
Prebuilt integrations and journeys
Onboarding, lending, accounts, cards and payments arrive as working journeys, ready for your policy and your process.
The end solution reflects your values, products and brand
Mobile and internet banking, CRM and design are the moments a member notices. With the foundations in place, Ark enables your team to focus on enhancing your Customer Experience.
Ark CX
Ark CX layers on top of Ark, so every place a customer meets you looks and works the same way.
Ark CX is the part your customers experience, from your app and website to onboarding, lending and content. Bring it together and they get one consistent experience, however many systems sit behind it.
Read more about Ark CXHow it compares
Speed, ownership and an experience you control.
| Ark | Replace the core | Your core vendor's channels | Build it in‑house | |
|---|---|---|---|---|
| Live in months, not years | Yes | No | No | No |
| An experience that is yours to design | Yes | Yes | No | Yes |
| Keeps the core you already run | Yes | No | Yes | Yes |
| Change a vendor without a rebuild | Yes | No | No | No |
| Your team owns it afterwards | Yes | No | No | Yes |
| One foundation across two cores in a merger | Yes | No | No | No |
Proof
Regional Australia Bank Made Core Complexity Invisible
Running in prod for 18 months and counting
Regional Australia Bank runs Ark over its core banking system, so new functionality can be built without worrying about core integration.
How we work
Digizoo works with you, in your teams.
We offer options to adapt to your combined teams. Our team has years of accumulated experience working side-by-side with our clients.
FAQ
Questions we get asked
Do we have to replace our core banking system?
No. Ark is built to extend the core you already run. Most of our clients keep theirs, and Ark carries the journeys and the channels around it.
How long before something is actually live?
We scope a first journey that goes live in months rather than years, and we agree what "live" means before we start. The point of starting small is that you get to judge the foundation on something real.
Can our team run it after you leave?
That is the intention. Your people build alongside ours from the start, and the handover is part of the work rather than a phase at the end.
Does Ark work with the vendors we already use?
Usually, yes. Ark connects to vendor systems through connectors that translate between their way of working and a common shape, so adding or changing a provider stays a contained piece of work.
We are going through a merger. Is this the wrong time?
It is often the right time. A merger is the moment two of everything becomes one bank's problem, and a shared foundation is how you give both sets of members the same experience without waiting for every system to be reconciled first.
Is Ark only for mutuals?
It was shaped by mutual banks and that is where most of our work is, but the foundation suits any lender who wants to move faster than a full replacement allows.
Get in touch
Want to see what Ark can do?
Tell us the journey you would start with.