Case Study: ORO Bank achieves Asia’s first full‑reserve digital bank and rapid global launch with Finastra’s Essence core platform

ORO Bank reimagines banking with Finastra’s Essence cloud-based core banking solution

ORO Bank, the first full-reserve online bank in Asia and the official bank of the Gelephu Mindfulness City SAR, set out to offer businesses a safer, fully backed deposit model and seamless digital services to attract global innovators and support Bhutan’s new economic zone. To meet strict regulatory, liquidity and scalability requirements, ORO Bank chose Finastra and its Essence cloud-based core banking platform as the foundation for its digital bank.

Finastra implemented Essence as a turnkey, cloud-native core with hands-on support, helping ORO Bank go live in under six months and launch 24/7 commercial services. With Finastra’s platform and integration capabilities, ORO Bank now offers digital services in USD, SGD, EUR and GBP, has rapidly attracted start-ups and tech firms, and delivered measurable gains in speed-to-market, scalability, liquidity and financial inclusion.

ORO Bank

Mike Kayamori

Co-founder & CEO