Shipping digital banking products for six of the UK's biggest financial brands — on one shared architecture

Multi-brand retail banking · Banking & finance · London, UK · 6 min read · 2026-01-22

Six high-street banks and financial institutions needed customer-facing digital products. Six separate build efforts would have been unsustainable. BraivIQ led frontend delivery across all six concurrently — on a shared, battle-tested architecture.

The challenge

Loans, credit cards, savings, payments — each brand needed unique design, compliance standards, and full device coverage. Running six separate teams was untenable. Engineering velocity had to compound, not divide.

The approach

We built a shared frontend foundation that every brand could skin with its own identity while benefiting from the same engineering core. Finance calculators, payment integrations, full multi-device coverage, and performance optimisation — all delivered under one coordinated programme.

The solution

Shared frontend architecture serving all six brands from one engineering foundation.
Brand-specific skin layer for design, compliance, and accessibility.
Finance calculators and payment integrations built once, deployed everywhere.
Performance and accessibility standards met across every brand and surface.

The results

Brands shipped: 6 — All from one shared engineering foundation.
Customers served: Millions — Across loans, savings, and payments products.
Per-feature build cost: ↓ ~6× — Each new feature built once, deployed across all six.
Compliance + accessibility: Full — Standards met across every brand and device.

"We needed a smarter architecture, not six teams. BraivIQ delivered it — and each new feature compounded across all six brands." — Head of Digital Delivery, multi-brand retail banking, London