Move money and decisions faster, without cutting corners on security.
We build fintech products and back-office systems where correctness, auditability and uptime come first. From payment flows to AI-assisted document checks, everything is built with PCI DSS and data-protection requirements in mind.
Software for fintech, done properly.
Most of the work in a fintech company happens behind the app: onboarding checks, payment operations, reconciliation, disputes and reporting. Good software makes that work faster and more predictable. AI is useful where people currently read documents and make routine judgements, such as checking a bank statement or triaging a flagged transaction.
Building for financial services is different because mistakes are expensive and visible. A double-charged customer, a missing audit entry or a ledger that does not balance is a real problem, not a minor bug. Systems need idempotency, clear ownership of money movement and a full record of who did what and when.
Regulation shapes the architecture from the start. KYC and AML obligations, PCI DSS for card data, PSD2 strong customer authentication in Europe and data-protection law all affect how data flows and where it is stored. We design for these constraints early so compliance reviews do not force a rebuild later.
Challenges we solve
- Manual KYC, onboarding and document review slowing growth
- Reconciliation across banks, gateways and ledgers
- Strict security, audit and data-protection expectations
- Legacy systems that are risky to change
What we build for fintech.
KYC & onboarding flows
Identity verification, document capture and sanctions screening wired into one onboarding journey, with a review queue for cases that need a person.
Double-entry ledger service
An internal ledger that records every money movement as balanced entries, so balances are always explainable and auditable.
Automated reconciliation
Jobs that match bank, gateway and ledger records daily and surface only the exceptions for your finance team.
AI document review
Extraction and checks on payslips, bank statements and invoices for lending and underwriting, with confidence scores and human sign-off.
Transaction monitoring tooling
Rules plus AI-assisted triage that groups alerts, summarises context and helps analysts close cases faster.
Back-office operations portal
Role-based internal tools for support, risk and finance teams to handle refunds, disputes and account changes safely.
What we design around
Compliance, integrations and scale, from day one.
Compliance & regulation
We design with PCI DSS, KYC/AML, PSD2 and GDPR requirements in mind, and keep the evidence your compliance team needs, such as audit logs and access records, easy to produce.
Banking & payment integrations
We integrate with payment processors, open banking providers, card issuing platforms and identity vendors, handling webhooks, retries and idempotency so no event is lost or applied twice.
Security & privacy
Encryption in transit and at rest, secrets in managed key stores, least-privilege access and tokenisation so raw card data stays out of your systems where possible.
Correctness at scale
Queues, outbox patterns and reconciliation checks keep money movement consistent under load, and monitoring alerts on drift before customers notice.
Typical stack & integrations
- Stripe
- Adyen
- Plaid
- Open Banking APIs
- PostgreSQL
- Kafka
- Temporal
- AWS KMS
- Onfido
Our fintech toolkit.
Guides worth reading.
Fintech FAQ
Can't find what you're looking for? Send us a message and we'll get back to you within one business day.
Can you work within our existing compliance and security policies?
Yes. We follow your access controls, change management and data handling rules, and we document architecture decisions so your compliance team can review them.
Do you handle raw card data?
We avoid it wherever possible. Using tokenisation and hosted payment fields from your processor keeps card data out of your systems and reduces your PCI DSS scope.
How do you make sure AI decisions are safe in a regulated setting?
AI assists rather than decides on anything material. Outputs come with the source evidence, low-confidence cases go to a human, and every decision is logged for audit.
Can you modernise a legacy core system without a big-bang rewrite?
Yes. We usually wrap the existing system with APIs and move functionality piece by piece, running old and new side by side until each part is proven.
Other industries
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