Mutual Vision — White-label banking app for 11 UK institutions | Digital Product Development by Yolk Studio

Mutual Vision runs the core banking engine behind a group of UK building societies and mutual banks. They needed a modern consumer product on top of it: not one bank’s app, but a multi-tenant platform each institution could launch as its own.

We’ve built Engage end to end since 2024. The iOS and Android apps are written in React Native with Expo and Tamagui, and the same logic powers a Next.js web app, so one codebase serves all three platforms. Behind them sits a .NET backend on Azure and GCP, connected directly to Mutual Vision’s core banking engine.

Digital onboarding runs automated AML and KYC checks with ID document scanning through ID Pal and Napier. Login is biometric, transaction alerts arrive in real time via Twilio, and authentication runs on Auth0. Theming is set per institution, so every bank gets its own branded product from the same platform. Eleven institutions are now in acceptance testing, with production expected by the end of 2026.