ASTERANOVA
Prepared for  Philibanki
Program Estimate · Digital Bank Build

From Idea to a Live Digital Bank

A four-phase delivery program — Phase 0 discovery, Pilot, Launch, and Expansion — engineered end-to-end by Astera Nova: architecture, integrations, product, compliance, and operations, built for an online-only bank from day one.

10,788
Total Hours
$985,040
Total Program Cost
4
Delivery Phases
16
Months, M1–M16
Program Overview

Four Phases, One Continuous Build

Each phase compounds on the last — Phase 0 de-risks the architecture, Pilot proves the model end-to-end with real users, Launch hardens and scales it across all nine product components, and Expansion grows the catalog.

0

Phase 0 — Discovery & Foundation

Months 1–3

De-risks the build: reference architecture, integration & data model design, compliance/regulatory scoping, environments and DevOps setup.

1,952 h
Hours
$195,100
Cost
1

Pilot

Months 4–8

One deposit + one unsecured-loan product built end-to-end — origination, servicing, scoring, integrations, RBAC — live with real users.

3,632 h
Hours
$327,140
Cost
2

Launch

Months 9–13

Hardening and full coverage across all 9 product components — production-grade infrastructure, security testing, regulatory reporting, go-live.

3,660 h
Hours
$324,600
Cost
3

Expansion

Months 14–16

First scale-out increment — additional deposit/loan products, promo mechanics, payment rails, and an optional ML scoring uplift.

1,544 h
Hours
$138,200
Cost
Effort Breakdown

Team & Effort by Phase and Role

Every phase costed at each role's own hourly rate — rates are role-specific, never a flat figure. Roles are ordered by hours within each phase.

0

Phase 0 — Discovery & Foundation

Months 1–3
$195,100
1,952 hours

Architecture, integration and data-model design, compliance/regulatory scoping, and environment/DevOps foundations — the groundwork the rest of the program builds on.

RoleHoursRateCost
Solution Architect724 h$130/h$94,120
Business Analyst500 h$75/h$37,500
Compliance280 h$80/h$22,400
DevOps Engineer112 h$95/h$10,640
Data Engineer96 h$90/h$8,640
Program Manager88 h$90/h$7,920
Security Engineer64 h$110/h$7,040
QA Engineer56 h$65/h$3,640
ML Engineer32 h$100/h$3,200
Phase 0 Subtotal1,952 h$195,100
1

Pilot

Months 4–8
$327,140
3,632 hours

One deposit and one unsecured-loan product taken end-to-end — origination, servicing, scoring, core/GL/wallet/bureau integrations, RBAC, and a live pilot with real users.

RoleHoursRateCost
Backend Engineer1,568 h$90/h$141,120
DevOps Engineer352 h$95/h$33,440
Frontend Engineer340 h$85/h$28,900
QA Engineer320 h$65/h$20,800
Program Manager200 h$90/h$18,000
Data Engineer180 h$90/h$16,200
Solution Architect176 h$130/h$22,880
Business Analyst168 h$75/h$12,600
ML Engineer144 h$100/h$14,400
Security Engineer136 h$110/h$14,960
Compliance48 h$80/h$3,840
Pilot Subtotal3,632 h$327,140
2

Launch

Months 9–13
$324,600
3,660 hours

Hardening and extending the pilot to full coverage across all nine product components — production infrastructure, penetration testing, regulatory reporting, and go-live.

RoleHoursRateCost
Backend Engineer888 h$90/h$79,920
QA Engineer536 h$65/h$34,840
DevOps Engineer416 h$95/h$39,520
Business Analyst328 h$75/h$24,600
Security Engineer304 h$110/h$33,440
Program Manager288 h$90/h$25,920
Data Engineer244 h$90/h$21,960
Frontend Engineer224 h$85/h$19,040
Solution Architect168 h$130/h$21,840
Compliance144 h$80/h$11,520
ML Engineer120 h$100/h$12,000
Launch Subtotal3,660 h$324,600
3

Expansion

Months 14–16
$138,200
1,544 hours

First scale-out increment — additional deposit/loan products, promo mechanics, extra bureau/payment integrations, and an optional ML-assisted scoring uplift layered on the rules engine.

RoleHoursRateCost
Backend Engineer612 h$90/h$55,080
Business Analyst168 h$75/h$12,600
Data Engineer144 h$90/h$12,960
ML Engineer144 h$100/h$14,400
Frontend Engineer96 h$85/h$8,160
QA Engineer88 h$65/h$5,720
DevOps Engineer80 h$95/h$7,600
Solution Architect64 h$130/h$8,320
Compliance60 h$80/h$4,800
Program Manager56 h$90/h$5,040
Security Engineer32 h$110/h$3,520
Expansion Subtotal1,544 h$138,200
Program Total

Grand Total & Role Roll-Up

The full 16-month program, all four phases combined, and every delivery role's total contribution across the build.

Total Program Hours
10,788 h
Total Program Cost
$985,040
Blended Rate
$91.3/h
RoleTotal HoursRateTotal Cost
Backend Engineer
3,068 h$90/h$276,120
Business Analyst
1,164 h$75/h$87,300
Solution Architect
1,132 h$130/h$147,160
QA Engineer
1,000 h$65/h$65,000
DevOps Engineer
960 h$95/h$91,200
Data Engineer
664 h$90/h$59,760
Frontend Engineer
660 h$85/h$56,100
Program Manager
632 h$90/h$56,880
Security Engineer
536 h$110/h$58,960
Compliance
532 h$80/h$42,560
ML Engineer
440 h$100/h$44,000
Program Total10,788 h$985,040
At a Glance

Phase Comparison

PhaseHoursCost% of Hours% of Cost
Phase 0 — Discovery & Foundation 1,952 h $195,100
19.8%
Pilot 3,632 h $327,140
33.2%
Launch 3,660 h $324,600
33.0%
Expansion 1,544 h $138,200
14.0%
Program Total10,788 h$985,040100%
Program Output

What Gets Delivered

Concrete artifacts and a working bank, phase by phase.

Phase 0: Reference architecture, integration & data model design, compliance scope, environment/DevOps setup
Pilot: One live deposit + one live unsecured-loan product, end-to-end, with real users and real integrations
Launch: All 9 product components hardened to production scale, security-tested, regulator-ready reporting
Expansion: First wave of additional products, promo mechanics, and payment/bureau integrations
Full technical documentation, operational runbooks, and bank-team training
Production-grade infrastructure with DR, observability, and release automation
Context

Assumptions & Scope Notes