From Legacy Systems to AI Automation for a Leading Janitorial & Maintenance Service Provider
How We Helped Build a Digital Bank for
50,000+ Users with Zero Downtime
The Client
Marq Millions (Now eToro Money)
Founded in 2011, Marq Millions was a Manchester-based financial services provider. Regulated by the UK Financial Conduct Authority (FCA), it operated with the same licensing rigor as major institutions like American Express — allowing it to legally offer financial services across the UK and Europe.
The company had a bold, inclusive mission: to challenge outdated banking norms and offer a modern, accessible alternative to underserved audiences — including students, migrant workers, freelancers, and small businesses. Through a series of innovative products, it began to carve a niche in the fintech space. One of those flagship products was Arro Money, launched in 2017.
In July 2020, Marq Millions was acquired by global trading platform eToro, and rebranded as eToro Money, where its infrastructure and technology stack (including Arro Money) now serve as the foundation for their neobanking operations.
The Challenge
Marq Millions identified a critical gap in the banking sector: millions of users were either underserved or completely excluded by traditional banks. These included:
- Migrant workers needing to send and receive money securely
- Students lacking UK proof of address
- Freelancers and gig workers requiring flexible digital accounts
- Small businesses needing quick and scalable account solutions
These users faced unnecessary delays, inflexible verification processes, and high transaction fees. Marq Millions set out to create a financial platform that could replicate a full-service bank digitally — while keeping it accessible, compliant, and secure.
The Solution
AKYC (Advanced Know Your Customer)
At the heart of the Arro Money experience was AKYC — a complete onboarding engine developed by DPL from the ground up. Unlike traditional banks that require multiple branch visits and delays, Arro's AKYC system could open verified accounts in under 3 minutes.
Real-Time Identity Checks
Connected with UK government databases and third-party verification providers to validate IDs instantly.
Adaptive Security Logic
If a user’s credentials passed the initial check, onboarding continued seamlessly. If not, the system intelligently requested further verification — such as Passport scans, Driver’s license uploads, Real-time video proof for high-risk cases.
Full FCA Compliance
Every identity check and document request aligned with UK regulations to ensure zero compliance gaps.
Outcome
Instant onboarding for verified users
Robust fraud prevention workflows
3-minute digital onboarding experience
Virtual account created immediately
Physical card dispatched within 2 days
Banking Infrastructure: Full-Service, Fully Digital
Once onboarded, users could access a suite of banking features designed to mirror — and exceed — traditional bank offerings:
- Check account balances
- View detailed transaction statements
- Use direct debits for recurring payments
- Access ATM services nationwide
- Send and receive fast payments and transfers
Arro wasn’t just a digital wallet — it was a fully functional alternative to high-street banking.
Backend Engine: Designed for Performance
We built a scalable backend architecture to support user traffic growth from the beginning. This wasn’t just about functionality — it was about resilience.
Highlights
- Handled peak volumes of tens of thousands of concurrent users
- Optimized for quick response across APIs, UI dashboards, and banking partners
- Seamlessly integrated with industry-standard banking services and real-time money movement APIs
- Ensured full audit logging, user session tracking, and rollback protection
Security & Uptime: Non-Negotiables
Security was the foundation of every decision we made. In digital banking, nothing is more important than protecting a customer’s money and identity.
Arro Money was built with
- OWASP-compliant application security
- Bank-grade encryption protocols across all services.
- Multi-tiered architecture separating sensitive logic from user layers.
- Continuous threat modeling, code audits, and access control testing.
Result
In 3+ years of active operations, Arro Money never experienced a single second of unplanned downtime.
The Outcome
Recognition, Growth, and Acquisition
Everything we built together — from the AKYC engine to the secure backend — contributed to Arro Money becoming a standout success in the UK fintech landscape.
50,000+
Work Orders Automated per Day400+ Hours
Manual Labor Saved per Week$300,000+
Annual Software Fees Avoided18,000+
Locations Served in USA40 Years
Historical Records MigratedReady to Build the Next Big Thing in Fintech?
Building a fintech product that wins trust, meets regulatory demands, and performs at scale isn’t easy. But we’ve done it — and we can do it for you.
Let’s build something that grows with you.
Meet the Team