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FinTech

Financial products where correctness is the feature

Payments, lending, treasury and financial data platforms engineered for auditability, reconciliation and regulatory scrutiny.

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Platforms we build

  • Payment orchestration and processing services
  • Double-entry ledger and reconciliation systems
  • Lending origination and servicing platforms
  • Embedded finance and payout products
  • Treasury dashboards and finance operations tooling
  • Open banking data aggregation services

Sector challenges

What makes FinTech engineering different

  • Money movement is unforgiving

    A retry that duplicates a transfer is not a bug report, it is a financial incident. Idempotency and reconciliation have to be designed in, not added after.

  • Reconciliation across multiple providers

    Ledgers, processors and banks disagree routinely. Without automated reconciliation, breaks are found by customers rather than by systems.

  • Onboarding friction versus fraud risk

    Every additional verification step costs conversion, and every removed one costs risk. The balance needs measurement, not instinct.

  • Audit and reporting obligations

    Regulators and auditors ask for evidence spanning years. Systems that overwrite state cannot answer those questions.

  • Vendor concentration

    A single processor or data provider becomes a single point of failure for revenue.

Digital solutions

What we build for this sector

  • Payment platforms

    Multi-provider payment orchestration with idempotent processing, routing, retries, refunds and dispute handling.

  • Double-entry ledgers

    Immutable, append-only accounting with balance derivation, reconciliation jobs and break reporting.

  • Lending and credit platforms

    Application intake, decisioning workflows, servicing, repayment schedules and collections, with a full decision audit trail.

  • Treasury and finance operations

    Cash position visibility, automated reconciliation, approval workflows and export into accounting systems.

  • Financial data aggregation

    Open banking and account aggregation integrations with normalisation, categorisation and refresh handling.

  • Compliance operations tooling

    Case management for KYC, sanctions and transaction monitoring alerts, with reviewer workflows and evidence retention.

Products and platforms

Systems we can build for you

Delivered as new products, as modules inside an existing platform, or as a modernization of something you already run.

  • Payment orchestration and processing services
  • Double-entry ledger and reconciliation systems
  • Lending origination and servicing platforms
  • Embedded finance and payout products
  • Treasury dashboards and finance operations tooling
  • Open banking data aggregation services
  • Investor, merchant and customer portals
  • Internal compliance case management systems

AI and automation

Where AI genuinely helps in FinTech

Applied where judgement is required and measurable. Everywhere else, deterministic software remains cheaper and easier to debug.

  • Document processing for onboarding

    Extraction from identity documents, bank statements and financial filings, with confidence thresholds routing uncertain cases to human review.

  • Transaction categorisation

    Classification and enrichment of transaction data with merchant identification, improving both customer experience and internal analytics.

  • Alert triage support

    Summarising monitoring alerts with relevant context so analysts spend review time on judgement rather than on assembling evidence.

  • Reconciliation break investigation

    Suggesting likely matches and explanations for breaks, with the decision and its reasoning recorded for audit.

  • Customer support with grounded answers

    Assistants answering account questions strictly from permitted data, with hard boundaries around anything constituting financial advice.

Integrations

Systems we connect to

Integration work is usually where the estimate lives. We assess API quality and access early rather than assuming it.

  • Payment processors (Stripe, Adyen, Checkout.com)
  • Banking and payment rails (ACH, SEPA, Faster Payments, card networks)
  • Open banking providers (Plaid, TrueLayer, Tink)
  • KYC and identity verification (Onfido, Persona, Sumsub)
  • Sanctions and transaction monitoring vendors
  • Accounting systems (NetSuite, Xero, QuickBooks)
  • Market and reference data providers
  • E-signature and document custody services

Security and compliance

What we design for, and what we do not claim

We build and document controls that support your obligations. Certification and legal sign-off come from your auditors and counsel.

  • Designed for auditability

    Append-only event and ledger design means historical state can always be reconstructed and evidenced, which is what audit requests actually require.

  • Card data scope reduction

    Architectures that keep cardholder data out of your systems entirely — tokenisation and hosted payment elements — to reduce PCI DSS scope. Validation is performed by a qualified assessor.

  • Data protection and residency

    Encryption, key management, access control and regional storage designed to support GDPR and local financial data requirements.

  • Segregation of duties

    Approval workflows, change management and access separation designed to satisfy common control frameworks.

  • Regulatory responsibility

    We build systems that support your obligations. Licensing, regulatory permissions and compliance sign-off remain yours, with your counsel and auditors.

Technologies

Typical stack for this sector

  • TypeScript
  • Node.js
  • Go
  • Java
  • PostgreSQL
  • Kafka
  • Temporal
  • Redis
  • AWS
  • Terraform
  • Stripe
  • ClickHouse
Full technology capabilities

Related

Where to go next

Other industries

FinTech

Talk about a FinTech project

Bring the constraints — regulatory, operational, commercial. Those are the interesting part of the conversation.

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