Finance & Fintech
Fintech platforms, banking-as-a-service, PSD2 payments, core banking modernization, open banking, wealth management, digital lending. Regulatory compliance (AML/KYC, MiFID II, DORA), end-to-end encryption, continuous security audit.
What we typically cover
- PCI-DSS payment systems
- Open banking / PSD2 integration
- KYC / AML automation
- Core banking modernization
- Trading / wealth-management
- DORA + ISO 27001 audit
Typical use cases
Traditional bank launching a digital channel
An established bank needs to expose PSD2 APIs, integrate digital KYC, and ship a mobile app without disrupting live operations. They reach out when internal projects stall because legacy dependencies collide with new regulatory requirements.
Fintech scaling across European markets
A fintech with a proven domestic product needs to expand into new EU countries. They come to us when they must adapt AML/KYC workflows to different local regulations, handle multi-currency flows, and meet country-specific licensing or certification requirements.
Building a digital lending platform from the ground up
A credit company or holding group wants to originate loans fully online—with automated scoring, digital onboarding, and e-signatures. They engage us when the business model is defined but there is no internal engineering team capable of building the credit engine.
Wealth management firm modernising the client-facing layer
A broker or family office relies on disconnected internal tools and wants to give clients a real-time portfolio monitoring portal. They come to us when they need to integrate market data feeds, enforce MiFID II risk profiling, and maintain a complete, auditable transaction trail.
Frequently asked questions
Do you have experience with regulated environments, or is your background mainly in generic digital products?
Regulated environments are the only context we work in when it comes to finance. Our delivery record includes projects with PCI-DSS, DORA, and MiFID II requirements. We do not provide legal counsel, but architecture decisions, development processes, and code structure are all designed to hold up under security audits and regulatory inspections.
How do you handle integration with legacy core banking systems that have no modern APIs?
The standard approach is an adapter layer that exposes legacy functions through internal APIs without touching the core. We have worked with systems more than twenty years old. Every engagement starts with a technical mapping exercise before any estimate is put on the table.
Can you work to banking-grade SLAs? What does high availability mean in your delivery model?
High availability in financial services means multi-zone architecture, automatic failover, zero-downtime deployments, and continuous monitoring. SLAs are defined contractually per service. Typical targets we operate against are 99.9% to 99.95% monthly uptime, with documented RTO and RPO aligned to your business continuity requirements.
How long does a PSD2 or open banking integration take from scratch?
It depends on the starting point. If the core banking system already exposes any form of API, a basic AISP/PISP integration typically takes three to five months, including testing and sandbox certification. Starting from a fully closed system adds time, and we flag that upfront rather than discover it mid-project.
How do you handle security throughout the development cycle, not just before launch?
Security is embedded in the process: threat modelling at design stage, code reviews focused on fintech-specific OWASP vectors, and penetration testing on a rolling basis rather than only at go-live. We also maintain a structured vulnerability disclosure and patch management process across all environments we operate.
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