Software for the products that move regulated money
FinTech
FinTech software inherits every rule financial services carries, at the speed a product team expects to move. This practice builds payment integrations, compliance-gated onboarding, core banking connections and fraud detection, with lending and credit products routed to their own specialised practice below.
01Start from the regulatory pressure
Name where the exposure sits.
FinTech buyers usually know exactly where the risk lives. A lending product needing underwriting logic, onboarding that must pass KYC before launch, payment APIs carrying financial exposure, or a core banking connection too brittle to extend, each names a different pressure. Choose it and the fitting practice follows.
Credit decisions, underwriting or loan servicing sit at the center of what you're building.The lending practice carries the underwriting, servicing and collections patterns credit products need.
Onboarding and transaction monitoring must satisfy regulators before a feature ships.Compliance consulting maps the regulatory surface into the build before the architecture locks in.
Every integration point is a place money or data could leak.API security engineering hardens the integration points a payment or banking product depends on.
The system connecting to core banking rails is too fragile to extend.Legacy modernization changes the connection in reversible stages instead of a single risky rewrite.
Lending & Credit Products
Underwriting, servicing and collections for lending, built as its own practice.
KYC & AML Compliance
Onboarding and monitoring built to satisfy the regulator before launch.
Payment & API Security
Integration points hardened against the exposure a payment product carries.
Core Banking Integration
Core banking connections modernized in stages instead of a risky rewrite.
Fraud Detection & AI
Fraud models evaluated against real transaction data before they ship.
02Compliance and security as one discipline
Built to pass the regulator and the penetration test.
FinTech engagements run a delivery process where compliance mapping and security engineering happen together, because in this sector a KYC gap and an API vulnerability are the same category of risk. Each release carries its own evidence: control mappings, access logs and the audit trail a banking partner will ask for.
Frame the compliance and licensing surface
KYC, AML and regional payment rules are mapped against the feature list before architecture begins, so a licensing requirement never surfaces in week nine.
A regulatory map before the sprintDesign the control and audit layer
Segregation of duties, encryption and audit logging are architectural decisions here, recorded with reasoning your compliance officer can review directly.
Architecture built for scrutinyHarden every payment and data boundary
Payment APIs and banking connections are tested against real attack patterns before launch, not assumed safe because a vendor claimed so.
Security tested like an attacker wouldShip with the control record attached
Each release carries its compliance and security evidence, so the next regulatory review starts from a folder instead of a scramble.
Evidence ready for the examiner
03What a fintech product team commissions
Fintech services by the name a product team searches for.
A payments team searches for a specific integration, a compliance lead for a KYC build, a founder for a lending engine. Each row matches that search to the deliverable, the standard that constrains it and the practice that carries the work.
| What you need | What we build | Standards and integrations | Where it lives |
|---|---|---|---|
| Payment gateway integration | Card, wallet and bank-transfer acceptance with tokenised storage, webhooks and reconciliation | PCI DSS 4.0, Stripe and Adyen APIs, 3-D Secure 2, ISO 8583 | Custom Software Development |
| KYC and AML onboarding | Identity verification, sanctions screening and transaction monitoring flows with an evidence trail per decision | FATF recommendations, EU AMLD6, FinCEN CDD rule, eIDAS for digital identity | Compliance Consulting |
| Open banking and account aggregation | Consent-managed account access, payment initiation and data enrichment connectors | PSD2, Open Banking UK standard, Plaid and TrueLayer APIs, FDX API | Custom Software Development |
| Core banking integration | Ledger, account and settlement connections modernised in reversible stages behind parallel runs | ISO 20022, SWIFT MT and MX, Mambu and Thought Machine APIs, BaaS provider APIs | Legacy Modernization |
| Lending and credit decisioning | Origination, underwriting, servicing and collections with every decision factor logged | ECOA and Regulation B, FCRA, FCA CONC, Open Banking affordability data | Lending Software Development |
| Payment API security and fraud detection | Threat-modelled APIs, penetration-tested boundaries and fraud models monitored for drift | OWASP API Security Top 10, PCI DSS 4.0, PSD2 SCA, 3-D Secure 2 | API Security |
PCI DSS 4.0
Any system that stores, processes or transmits cardholder data falls in scope, so payment flows are designed to tokenise early and keep card data off application servers.
PSD2
Strong customer authentication applies to most electronic payments in the EU and UK, which shapes login, step-up and exemption logic in every payment or onboarding flow.
ISO 20022
Structured payment messages carry richer remittance and party data than legacy formats, so ledgers and reconciliation are modelled to store that data rather than truncate it.
Open Banking APIs
Aggregators such as Plaid and TrueLayer, and the UK Open Banking standard, define consent, token lifetimes and data scopes that onboarding and affordability flows are built to respect.
04Evidence and proof
FinTech systems that passed their launch and their audit.
FinTech evidence has to satisfy a product review and a compliance review at once. These previews show that standard while written client approvals are collected.
Explore case studies
A payments core replatformed without a customer noticing the switch.
Vela Ledger needed its settlement engine off an end-of-life runtime before a compliance deadline. Parallel-running the new system proved equivalence, and the cutover passed without an incident.
- Switch-day incidents
- None
- Deadline margin
- Nine weeks
A lending platform that passed its underwriting audit on the first pass.
A digital lender needed credit decisioning logic a regulator could trace end to end. The rebuilt underwriting pipeline logged every decision, and the audit found nothing to challenge.
- Audit findings
- Zero
- Decisions with full trail
- Every one
They treated our licensing timeline as a real deadline, not a note buried in a project plan.
Sample · pending client approval
05Four doors into fintech engineering
Enter through the door that matches your exposure.
A lending product, a compliance deadline, a payment integration and a fragile core connection each need a different starting point. The doors below route each situation to its practice, and every one carries the same audit-grade delivery discipline regardless of engagement size.
- Compliance Consulting
Get onboarding compliance-ready
KYC and AML flows mapped and built to satisfy the regulator before a feature ships.
- API Security
Harden payment and banking APIs
Integration points tested and hardened against the exposure a payment product carries.
- Legacy Modernization
Modernize a fragile core connection
Core banking integrations changed in reversible stages instead of a single risky rewrite.
- AI & Automation
Put fraud detection into production
Fraud and risk models evaluated against real transaction data before any claim ships.
06Straight answers
Asked before a fintech budget commits.
01Do you build lending and credit products specifically?
Yes, through a dedicated lending practice covering underwriting logic, servicing and collections. Credit decisioning is built to log every factor a regulator might question, and the lending page carries the deeper detail on that work.
02How do you handle KYC and AML requirements?
As engineering decisions, not a compliance checklist bolted on afterward. Identity verification, sanctions screening and transaction monitoring are designed into onboarding from day one, with the evidence trail built in rather than reconstructed later.
03Can you integrate with core banking systems?
Regularly, and usually in stages rather than one cutover. Core banking connections are proven equivalent through parallel running before the old integration is retired, so the institution never bets its operations on a single release.
04How do you secure payment integrations?
Every payment API is tested against real attack patterns before launch, with encryption, tokenisation and access controls treated as architecture, not add-ons. The API security practice carries the detailed method behind that testing.
05Do you build fraud detection models?
Where transaction data supports it. Models are evaluated against historical fraud patterns before deployment, monitored for drift afterward, and a human reviews any case where the model's confidence is genuinely uncertain.
06What does fintech engineering cost?
It follows the regulatory and integration surface a scoping engagement uncovers, since a KYC-only build and a full lending platform carry very different risk. The quote reflects your actual licensing and security obligations, not an industry average.
07Can you work inside our existing compliance framework?
Yes, including vendor-risk assessments, control attestations and audit rights common to regulated financial partners. Our delivery evidence is built to slot into an examiner's expectations rather than requiring a separate explanation.
08Can you take over an existing fintech product?
Yes, starting with a compliance and security assessment before any feature work. The handover includes a licensing review, a dependency audit and a stabilisation plan, because a fintech transition carries more risk than an ordinary rebuild.