Why Sandstone?

Like many global IT success stories, Sandstone Technology was founded in a garage by two technology enthusiasts who love solving business problems with technology.

Over 20 years later Violet Yu and Bob Hall’s passion for developing great products for banking have resulted in Sandstone Technology becoming one of the pre-eminent providers of origination and digital banking software solutions. It is the reason why many of our customers have been with us for over 10 years. Unlike most large companies, Sandstone’s founding values and culture are as evident today as they were in 1996.

When employing new Sandstone team members, the top priority for our co-founders and executive team is to find staff who share the same passion.

We’re big enough to have established processes and yet small enough to be agile and responsive. Every single customer (no matter how big or small) is very important to us, we know we are only as good as our last project. With over 35 customers and 300 staff spanning 3 continents, Sandstone continues to be selected as the partner of choice for the reasons outlined below:

We provide measurable value to our customers

Our customers derive real and tangible benefits from our internet banking, mobile banking and origination solutions. Below are some recent improvements a selection of our clients have seen:

Personal loan applications were funded in as little as 22 minutes.

63,000 new customer accounts were added in less than 24 months.

An increase of 25% in application submissions following a UI / UX refresh with aggressive campaigning.

The time taken to process a home loan application decreased by 27%.

Home loan approvals increased by 31% following the  deployment of an origination solution.

Application touch time reduced from 14 minutes to just a few minutes.

Our innovation story


First customer in Asia (Vietin Bank) goes live with Sandstone’s online banking (responsive) solution.
First deployment of Sandstone’s end to end consumer digital home loan acquisition solution.


The Warehouse Financial Services in New Zealand goes live with an online banking solution specific to their cards business.


Deployed a Paym (the UK’s mobile payments service) enabled P2P mobile payments solution to Cumberland Building Society, a foundation Paym participant.


First Australian Tier 1 bank implements an integrated PFM solution.
Launch of our digital lending solution for credit cards and personal loans.


BOQ’s Sandstone developed solution wins Amber Award for Best Mobile Banking Solution.
Global launch of Sandstone’s mobile banking app at Finovate in Europe.


BOQ’s Sandstone developed mobile banking solution wins Amber Award for Best Mobile Commerce Solution.
Sandstone’s loan origination solution deployed into an Australian Tier 1 Bank.


First deployment of our online account opening solution.


Developed one of the first device-agnostic mobile banking solutions (using HTML 5) in Australia


First to implement Internet Banking transaction signing functionality.


Launched our Valuation Management Service solution.


First implementation of our loan origination solution for home loans in the UK.


First organisation to certify BPAY View for Internet Banking.


First implementation of our loan origination solution for home loans.


First implementation of our loan origination solution for personal loans.


First to market with 2 Factor Authentication integrated into internet banking.
Deployment of an integrated IVR solution.


Deployment of a BPAY certified online banking solution.


First to market with Internet Banking enabled across multiple devices.
Launch of first internet banking solution with scramble pad security.


Sandstone Technology founded.

The Sandstone DNA

Client first approach

Customer first approach

In everything we do, we put ourselves in the shoes of our customers and our customers’ customers.

Seamless processes

Seamless processes

We ensure that our technology is merely an enabler that will help you drive the way you engage with your customers.

Risk reward acuity

Risk reward balance

We have an innovation focus but also ensure that we don’t put our customers at risk from a regulatory perspective.

Growth mindset

Growth mindset

We hire and develop staff with a growth mindset. We then encourage new thinking, collaboration and learning.

Smart connections

Building smart connections

We create smart connections between Sandstone, our customers, consumers and FinTechs to build better banking.

Innovate to elevate

Innovate to elevate

We use creative thinking, new technologies and a deep business understanding to drive innovation.

Our people

Sandstone's priority is finding staff who have a passion for banking, programming and having fun. Profiles of a selection of employees possessing such qualities are provided below.


Violet Yu

Violet's main passion is technology. Violet co-founded Sandstone in 1996 by developing an internet banking system! She is a mother of two and is always planning her next overseas adventure.


Qinni Yang

Qinni works in our Digital Acquisitions team as a UX/UI designer and Scrum Master. She loves kayaking, the outdoors and long walks on the beach with her fur baby.

James Morrison

James Morrison

James started at Sandstone as a graduate programmer and now heads up one of our online banking teams. He loves golf, hockey and organising social get togethers for every occasion!


Victor Ikeda

Victor studies Commerce/Media Arts at UNSW and interns with the Sales and Marketing team. He enjoys hiking, any form of high intensity cardio and is an avid music festival enthusiast.


Farrah Solari

Farrah is a UX designer in the Digital Banking team where she aspires to make banking better through research and design. When not ux-ing she enjoys a good giggle, gaming and traveling.

James Morrison

Peter Kowalik

Peter joined Sandstone many, many years ago and is now working in our Lending Team for our largest customer. Peter enjoys sailing, long distance running and martial arts.

Peter Kowalik

Willvertson Tan

Will works as a graduate developer within our Digital Acquisitions team. He is an aspiring power-lifter and loves eating all kinds of street foods in his travels.


Rochana Murthy

Rochana joined sandstone as a junior java developer and is now a full stack developer working on major projects. She loves reading, travelling and watching movies.


Frank Connon

Frank joined Sandstone from IBM in 2004 to head up our VMS division. He's from Ireland but has embraced all things aussie including his beloved Sydney Swans and the Maroubra surf.

What are you waiting for?

Convert, engage, enhance.

Sandstone builds better banking experiences for its customers by creating smart connections.

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