Fintech and financial services

Fintech is our lead industry. We build digital banking and wallet apps, payment and settlement services, lending platforms, wealth reporting and insurance journeys, and we connect them to banks, card processors, KYC providers and ERP systems. We do not publish client names without their consent, so we show our experience through the systems and standards we work with, and in technical conversations with your architects.

Yes. We work inside your policies: your access rules, your environments, your change process and your audit requirements. Before work starts we agree how data is handled, which environments engineers may reach, and what evidence your risk and compliance teams need. We describe the controls we apply plainly, so your assessors can review them.

Usually not. Most banks gain more by wrapping the core in well-defined APIs and building new products and channels as services around it. That keeps the system of record stable while the customer-facing parts change faster. Where a core really has to be replaced, we plan the migration in stages, with both systems reconciled until the old one is switched off.

We design so that as few systems as possible ever see a full card number. Hosted payment fields, tokenisation and network tokens keep card data with the processor, which reduces your PCI DSS scope. Where a system must handle card data, we build it to the PCI DSS controls that apply and document them for your assessor.

Yes. We build services that create, validate and read ISO 20022 messages, both for corporate payments and reporting, such as pain.001 and camt.053, and for the interbank messages used by instant and high-value payment systems. Each scheme and bank has its own rules, so we work from their implementation guides and test in their test environments.

Yes. We combine rules your analysts can read and change with machine-learning models trained on your own data, and we explain why each alert was raised. Alerts go to a case queue where analysts decide, and their decisions feed back into the rules and the models. Where you already use specialist screening providers, we connect them.

The number of systems and partners involved, the regulatory controls that apply, the volume and speed the system must handle, and how much testing partners require before go-live. Partner onboarding, such as a bank or processor certification, often sets the pace more than the code. We estimate after discovery and break the work into stages you can fund and approve one at a time.

Access is granted per person, limited to what each role needs, and removed when that person leaves the project. We work in your repositories and environments if you prefer, use multi-factor authentication, and keep secrets in a vault, never in code. Code is reviewed before it is merged, dependencies are scanned, and production data is not copied into test environments without masking. We agree these controls with your security team at the start.

Where you decide. We agree the location of data before work starts and design for it, whether it must stay in one country, in your own cloud account or on your premises. Where data-protection laws such as the GDPR apply, we work under a data processing agreement and limit personal data to what the work needs.