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CH · Banking, Finance & FinTechPartner since 2024
Migros Bank Digital Banking Software Development
HQSwitzerland
IndustryBanking, Finance & FinTech
EngagementFull dedicated team, long-term

Migros Bank Digital Banking Software Development

Axon Active supports Migros Bank’s digital banking platform through a dedicated offshore engineering team in Vietnam. The team develops the Mortgage Application and Consultant Workplace platforms, improving productivity, scalability, security, and operational efficiency. The partnership combines Swiss governance with offshore expertise to deliver reliable, high-quality banking software development.

Dedicated engineers supporting banking software development for Migros Bank
About the client

Who Migros Bank is

Migros Bank is a well-established Swiss retail bank founded in 1958. The bank provides a broad range of financial services for private and business customers, including accounts and cards, mortgages, loans, investments, pension solutions, and e-banking services.

With more than 1.2 million customers, Migros Bank plays an important role in Switzerland’s financial services landscape. The bank combines digital banking services with personal advisory, focusing on accessible, reliable, and customer-oriented banking experiences.

To support its mortgage advisory and banking operations, Migros Bank relies on secure internal platforms such as the Mortgage Application platform and Consultant Workplace. These systems help streamline mortgage processes, support relationship managers, and enable efficient, high-quality advisory services for customers.

How we work together

Banking software development through a dedicated offshore team

Axon Active works as a dedicated development team and integrated offshore engineering partner within Migros Bank’s delivery organization, following a structured two-week Scrum cycle with planning, daily coordination, Sprint Review demos, and retrospectives.

A Vietnam-based Product Owner works directly with Swiss stakeholders to clarify requirements, understand business needs, and translate them into actionable work for the engineering team. This helps ensure clear communication and delivery alignment from requirement to final product.

A regular time zone overlap between Switzerland and Vietnam enables timely discussions and faster decision-making, while asynchronous communication keeps development progress continuous outside shared working hours. The dedicated team model supports strong ownership, banking domain knowledge, and reliable long-term banking software development through an offshore software development setup.

What We Do

Engineering scalable solutions for digital banking operations

The Axon Active team supports the continuous development of Migros Bank’s Mortgage Application and Consultant Workplace platforms, contributing to secure, scalable, and high-quality banking software development for its digital banking platform. The engagement covers digital mortgage application workflows and advisory processes for real estate financing. The Consultant Workplace product helps relationship managers manage customer journeys, financial data, property information, and advisory steps in a structured and efficient way.

Through core banking integration with internal systems such as Finnova, MB CRM, and Kompass, the team helps improve operational efficiency, consultant productivity, platform reliability, and compliance-aware delivery across mortgage and advisory processes.

Mortgage application & consultant workplace development

The team supports the continuous development of Migros Bank’s Mortgage Application and Consultant Workplace platforms. The work covers structured mortgage advisory workflows, application processing, transaction handling, regulatory requirements, data consistency, and integration with internal banking systems. This custom banking software development helps improve operational efficiency while supporting secure and reliable banking processes.

The team delivers banking software development for Migros Bank's mortgage platforms

Frontend & user experience

Leveraging Nuxt.js and TypeScript, the team delivers responsive and accessible user interfaces for complex mortgage and banking advisory workflows. The frontend supports dynamic forms, real-time data visualization, guided navigation, and smooth user interactions, helping financial advisors work efficiently across client-facing advisory processes.

Migros Bank — Engineering scalable solutions for digital banking operations

Data & infrastructure

Powered by an event-driven data architecture using PostgreSQL, Elasticsearch, Redis, and Kafka, the platform supports reliable data processing, search, caching, and integration across banking services. The architecture helps maintain performance, scalability, data consistency, and secure information flow across mission-critical mortgage and advisory workflows.

Migros Bank — Engineering scalable solutions for digital banking operations
Migros Bank — Human-centered AI engineering
AI-Augmented Development

Human-centered AI engineering

The team uses Claude Code as part of Axon Active’s AI-augmented software development to support daily engineering activities such as codebase analysis, code scaffolding, refactoring, testing, and documentation. AI-assisted outputs are reviewed by senior engineers to ensure quality, accuracy, security, and full engineering ownership within a regulated banking software environment.

Meet the team

Who sits on the engagement

Neptune
Tech stack

Core technologies

Tech stack
Nuxt.jsTypeScriptQuarkusREST-APIMicroservicesPostgreSQLOracleElasticsearchRedisDockerKubernetesJenkinsKafkaPlaywrightJUnitJWTOpenAPIKeycloak
By the numbers

Delivering measurable impact

1.2 Million

Serving a large and growing customer base

The platform supports approximately 1.2 million customers, requiring scalable architecture, reliable performance, and a seamless digital banking experience

2+ Years

Partnership and continuous delivery

Axon Active and Migros Bank have collaborated for more than two years, working closely to evolve digital mortgage solutions through iterative development and ongoing product enhancements

134

Epics delivered

The team has successfully completed 134 epics, delivering major business capabilities and supporting the continuous evolution of both core platforms

861

User stories & features delivered

A total of 861 user stories and features have been implemented across the Mortgage Application and Consultant Workplace, enabling ongoing improvements to user experience and operational efficiency

Common questions

How this engagement works

How do you support compliance-aware banking software development?

We follow structured development standards aligned with banking and financial service expectations. The team focuses on traceability, audit readiness, clear documentation, secure implementation, and consistent enforcement of business rules across system components. This helps support compliance-aware delivery while maintaining software quality, reliability, and transparency. 

Can you integrate with existing core banking systems?

Yes. The team integrates Mortgage Application and Consultant Workplace with internal banking systems such as Finnova, MB CRM, and Kompass using REST APIs and event-driven communication where appropriate. This enables consistent and reliable data exchange, reduces manual effort, supports near real-time processing, and helps align the platforms with Migros Bank’s existing banking environment.

How do you maintain quality in a mission-critical environment?

We maintain quality through continuous testing, code reviews, clear acceptance criteria, and regular validation with stakeholders. Each release is reviewed carefully to reduce delivery risk and maintain reliability, security, and business rule consistency. In a banking environment, the team pays special attention to traceability, regression impact, data accuracy, and stable system behavior.

How does your dedicated software development team and offshore software development model work for Swiss banking clients?

Our model combines Vietnam-based engineering delivery with Swiss-side account leadership and close stakeholder alignment. The team works within the client’s delivery rhythm, using regular communication, transparent reporting, and a clear escalation path to maintain alignment and delivery confidence. This approach provides offshore delivery efficiency while preserving communication quality, security awareness, and strong collaboration with Swiss banking stakeholders.

How do you ensure long-term knowledge retention?

We maintain stable, dedicated teams supported by documentation, code ownership, knowledge sharing, and mentoring. This helps domain knowledge grow over time and reduces dependency risks. Long-term team continuity also allows engineers to better understand mortgage workflows, banking business rules, integration points, and client-specific delivery expectations.

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