Cards and payments
Issuing, acquiring and payment infrastructure that is secure and reconcilable.
- Card issuing and acquiring platforms
- Cardless and cross-border payments
- Loyalty and rewards solutions
- Card network and bank provider integration
Fintech
Financial software, fast to ship and built to be audited.
Payments, lending, wealth and regtech platforms for fintechs and financial institutions, engineered so speed to market never costs you security, traceability or uptime.
The challenge
Financial products live under constant scrutiny.
Customers, regulators and fraudsters all test your platform every day. These are the problems we see most often, and the ones we design around first.
Regulation moves faster than releases
KYC, AML, data-protection and reporting rules keep changing. Controls hard-coded into the product become expensive to adapt and hard to evidence.
Legacy cores slow every launch
New products built on older core banking, card and ledger systems turn small changes into multi-team integration projects.
Fraud evolves with your product
Every new payment rail and onboarding flow is a new attack surface. Static rules either miss fraud or block good customers.
Volume arrives in peaks
Salary days, sale events and settlement windows push transaction volumes far above normal, and every transaction must still reconcile.
What we build
Platforms across the financial value chain.
From a new digital product to modernising a legacy core, we design, build and integrate the systems fintechs and financial institutions run on.
Discuss your platformLending and alternative financing
Origination-to-collection journeys with decisioning you can explain.
- SMB lending and point-of-sale financing
- Buy Now, Pay Later and auto-finance platforms
- AI-assisted loan approval
- Investor management and reporting
Credit bureau and open banking
Data-sharing platforms that are accurate, consented and dispute-ready.
- Credit score and dispute management
- Account aggregator and open-banking APIs
- Suit and non-suit collections management
- Micro-financing platforms
Regtech and compliance
Automation that turns compliance work into repeatable, auditable workflows.
- KYC, AML and counterparty identification
- Transaction and security monitoring
- Merchant onboarding and third-party risk
- Basel framework implementation
Wealth and investments
Digital experiences and data platforms for investors and buy-side firms.
- Digital wealth management platforms
- Mobile portfolio management apps
- Portfolio and data management for buy-side firms
Banking and insurance
Modernisation and analytics for established institutions.
- Legacy application modernisation
- Enterprise data management
- Risk management and analytics
- Business intelligence and reporting
Compliance-aware delivery
Controls designed in, not bolted on.
Regulatory and security requirements are captured at the start of every engagement and carried through architecture, code, testing and documentation.
Identity and onboarding
KYC, AML and consent flows mapped to the obligations that apply to you before a single screen is designed.
Audit trails end to end
Event logs and data lineage that let you explain every balance, decision and change to an auditor.
Security engineering
Threat modelling, secure coding, secrets management and encryption in transit and at rest, verified in testing.
Data residency and privacy
Architectures that respect card-data (PCI DSS), payment-data localisation and privacy rules such as India’s DPDP Act and GDPR.
We design and build to your compliance obligations. Formal certification and audit remain with you and your assessors, and we provide the evidence they need.
How we work
Regulation and integration, brought forward.
In financial services these two set the pace, so they come first in the plan rather than last.
- 01
Assess
We map your product, integrations and regulatory obligations to see where the risk and the opportunity sit.
- 02
Design for compliance
Architecture, data flows and controls are defined with KYC, AML and audit requirements built in.
- 03
Build and integrate
Incremental delivery with automated testing, secure coding practices and early integration with card, bank and data providers.
- 04
Operate and evolve
Monitoring, support and regular releases keep the platform compliant and competitive as rules and products change.
Related capabilities
Services that pair well with fintech work.
AI & ML services
Fraud detection, credit scoring and document processing models built for regulated data.
Learn moreTesting services
Functional, performance and security testing for payment and banking systems.
Learn moreProduct development
End-to-end delivery for new fintech products, from discovery to launch.
Learn moreIndustries
Explore other industries.
HealthcarePatient apps, clinical systems, analytics and insurance platforms built with privacy by design.
LogisticsSupply chain, transportation, warehouse and customs platforms with real-time visibility.
Retail & ManufacturingProduction, supply chain, analytics and commerce systems that connect the shop floor to the customer.
Hi-Tech & MediaStreaming, connected-TV and gaming experiences, and the platforms that keep them running under load.Building or modernising a financial product?
Tell us about the platform, the integrations and the regulatory context. We will come back with a considered approach.