Aspire has rolled out AspireOS, an AI-powered platform designed to help banks upgrade digital business banking without replacing their core systems.

The launch builds on Aspire’s technology, which serves more than 50,000 businesses globally.

Aspire estimates the annual global market for modern business banking software at about US$9 billion, driven by more than 6,000 commercial banks seeking to strengthen their digital business banking offerings.

Many SMEs still face gaps in onboarding, payments, reconciliation and integrated financial tools, leading them to explore digital-first challengers.

AspireOS is built around two modules. The core banking module provides tools for onboarding, compliance, payment flows, smart cards, and credit and yield products.

The Financial OS is powered by AI and layers automation, intelligence and control across invoicing, receivables, payables, expense management, accounting and payroll.

“This demand marks a major white space in digital business banking: businesses want the trust and stability of a bank, but with the user experience and automation they’ve come to expect from fintechs.

AspireOS bridges that gap by helping banks deliver the same seamless experience within their own branded ecosystem, backed by enterprise-grade compliance and security,”

said Andrea Baronchelli, CEO and co-founder of Aspire.

Baronchelli added that the platform extends the company’s focus on building infrastructure that compounds value for SMEs.

How Banks Can Integrate and Deploy AspireOS

AspireOS is designed to work alongside a bank’s existing systems rather than replace them, offering a modular setup that lets institutions deploy only the components that align with their priorities.

Banks typically begin with a sandbox environment to test data flows, APIs and product configurations, with Aspire handling most of the provisioning and compliance validation.

Implementation timelines vary, though most clients reach a working proof of concept in two to four months.

The platform connects via APIs and is compatible with major core systems such as Temenos, Mambu, Thought Machine and nCino.

AspireOS also incorporates built-in risk and compliance controls, supported by ISO 27001 certification, PCI-DSS v4.0 compliance and SOC 2 audits.

Aspire is headquartered in Singapore, operates across more than 30 markets, and has over 600 employees in nine countries.

Its platform spans international payments, treasury, and end-to-end expense, payable and receivable management.

Featured image: Edited by Fintech News Singapore, based on image by Zohaib Shakeel via Freepik