The Challenge
SBI LYHOUR Bank set out to modernize its digital banking capabilities with the launch of new Internet Banking and Mobile Banking platforms. To achieve this vision, the bank required a secure, scalable, and future-ready API layer to integrate core banking functions, national payment systems, and value-added services—all while ensuring a seamless customer experience.
The challenge was to bring together a wide range of banking features—including fund transfers, loan servicing, bill payments, payroll, and checkbook services—under a unified API-driven architecture that could support both retail and business customers.
Our Solution
As the API Management Platform provider, we collaborated with SBI LYHOUR Bank to design and build the entire suite of APIs that power their digital channels. Leveraging our pre-built connectors, orchestration module, and proxy engine, we were able to deliver APIs in record time while ensuring compliance with banking standards and interoperability with Cambodia’s national payment networks.
Key API Categories Delivered:
- General Banking Services: Customer onboarding, account inquiries, product inquiries (CASA, Term Deposit), fund transfers, transaction history, exchange rate checks, and account opening.
- Deposits & Term Products: CASA and Term Deposit account opening, Term Deposit Pre-Calculator.
- Fund Transfers & Payments:
- Within Bank Transfers
- Bakong Integration – account inquiries, fund transfers, bank directory
- NCS (National Clearing System) – interbank transfers & bank directory
- SWIFT & Ripple – international remittances and document uploads
- Notifications: Direct SMS and email APIs for customer engagement
- Loans: Loan account inquiry, repayment schedule, and reporting APIs
- Value-Added Services: Mobile top-up, bill payment APIs, multi-credit payroll, and checkbook management
Before vs After
| Aspect | Before (Traditional Development) | After (With Our API Platform) |
| Time-to-Market | 10–12 months estimated for full Internet & Mobile Banking rollout | 4 months total project delivery |
| Integration with National Systems (Bakong, NCS) | Would require custom, one-off integrations, taking months per system | Pre-built connectors enabled seamless integration in weeks |
| International Transfers (SWIFT, Ripple) | Complex, manual integration with long testing cycles | Delivered within overall 4-month window using orchestration modules |
| Customer Communication (SMS/Email) | Reliance on third-party aggregators and siloed services | Unified API-driven notifications, cost-effective and reliable |
| Operational Efficiency | Manual processes for payroll, checkbook, and reporting | Automated via API-first workflows |
| Scalability & Future-readiness | Additional development effort required for every new service | Scalable API backbone supports rapid future innovations |
The Results
By adopting our API-first approach, SBI LYHOUR Bank successfully launched feature-rich Internet and Mobile Banking applications in just 4 months, a fraction of the time compared to traditional methods.
- 60% faster time-to-market vs industry average
- Full interoperability with Cambodia’s national payment systems (Bakong & NCS)
- Seamless integration with global remittance networks (SWIFT & Ripple)
- Improved customer experience with unified, modern digital channels
- Reduced reliance on external providers, lowering operational costs
- Scalable foundation for future digital products and services
Conclusion
Through our API Management Platform, SBI LYHOUR Bank transformed its vision for Internet and Mobile Banking into reality within just 4 months. By leveraging pre-built connectors, orchestration, and proxy modules, the bank achieved rapid time-to-market, streamlined operations, and positioned itself as a digital-first leader in Cambodia’s financial services industry.
