Financial technology
regulators approve
and traders trust
We build the infrastructure behind financial products that move real money — payment processing platforms, lending engines, algorithmic trading systems, and open banking integrations engineered for speed, compliance, and the kind of reliability that finance demands.
Financial technology
engineered for production
We build for the actual environment - real-time settlement, regulatory audit trails, fraud detection, and the operational resilience that financial services demand.
Payment Processing Infrastructure
End-to-end payment platforms for fintech companies processing everything from card payments to wire transfers and SEPA credits. We build the orchestration layer that sits between payment rails - handling routing, retry logic, reconciliation, and the fraud scoring that keeps false positive rates below 0.08%. PCI DSS Level 1 compliance is designed in from the first sprint.
Lending Platform Engineering
Credit decisioning engines, loan origination systems, and collections infrastructure for consumer and SMB lenders. We build the scoring models, underwriting workflow, and servicing portals - integrated with credit bureaux and built for FCA regulatory reporting from day one.
Algorithmic Trading Infrastructure
Low-latency trading systems, market data pipelines, and risk management platforms for proprietary trading desks and hedge funds. Sub-millisecond order execution, real-time P&L, and position management built on infrastructure that doesn't cost you basis points in unnecessary latency.
Open Banking & PSD2 Integration
Account information services, payment initiation, and the aggregation layer that makes open banking data usable. We've integrated with 40+ bank APIs in the UK, EU, and US - and built the normalisation layer that turns inconsistent bank data into something your product can actually rely on.
Fraud Detection & Risk Systems
Real-time transaction scoring, velocity rules, device fingerprinting, and behavioural analytics layered into a fraud detection system that balances false positive rates against genuine fraud. Rules-based and ML approaches combined where the task justifies the complexity.
Digital Banking & Neobank Platforms
Core banking APIs, account management, multi-currency wallets, and the customer-facing mobile banking experience. We've built platforms for e-money institutions and banking-as-a-service providers, handling everything from ledger design to the regulatory reporting your FCA or BaFin licence requires.
Built for the regulatory environment, not around it
Financial services compliance isn't a layer you add before go-live. It's an architectural constraint that shapes every data model, every API design, and every operational process. We treat it that way from the first sprint.
PCI DSS Level 1 - card data never stored by default
We design payment flows so raw card data never touches your infrastructure. Tokenisation through your PSP, network segmentation, and the access control architecture that QSAs approve. Compliance maintained through quarterly internal reviews, not annual panic.
FCA Consumer Duty - outcomes by design
Every customer-facing feature we build for FCA-regulated firms is reviewed against Consumer Duty outcomes - fair value, consumer understanding, consumer support, and protection from foreseeable harm. The evidence trail for supervision is documented as we go.
AML / KYC - real-time screening infrastructure
Sanctions screening, PEP checks, and transaction monitoring integrated into the payment flow rather than bolted on afterwards. Configurable risk thresholds, suspicious activity report generation, and the SAR submission workflow that compliance teams actually need.
Immutable audit trails - regulators get the evidence they need
Every financial event, every state change, every access to customer financial data logged immutably with timestamps, actor IDs, and the before/after state. Produced in the format regulators actually request, without a three-week extraction project.
What we've shipped and what changed
Real numbers from production financial systems - not projections.
Payment platform: monolith to real-time processing at $1.2B annual volume
A UK payments company processing $1.2B annually on a system that couldn't handle Black Friday. We rebuilt the payment orchestration layer as isolated microservices, implemented idempotent retry logic, added real-time reconciliation, and migrated to a multi-region active-active deployment - zero downtime during the 16-week cutover.
Credit decisioning engine: 4× faster decisions, FCA Consumer Duty compliant
A consumer lender with manual underwriting taking 3–5 days per application, losing customers to faster alternatives. We built an automated credit decisioning engine integrated with Experian, implemented real-time affordability checks, and documented the explainability framework the FCA requires for automated credit decisions.
Digital banking platform: 0 to 240,000 active customers in 14 months
An e-money institution launching a consumer banking app needed the full stack - core ledger, multi-currency wallet, payment rails integration, card issuing, and the FCA regulatory reporting infrastructure. We built it from scratch and stayed as the technical partner through the first 14 months of customer acquisition.
What runs in production
Financial-grade infrastructure - chosen for reliability, auditability, and regulatory fit.
Financial technology that passes regulatory scrutiny
Most software firms think compliance is a feature to add. We've seen what happens when a financial system goes through FCA supervision and the audit trail doesn't exist. That experience shapes how we build.
Start a FinTech projectPayment engineers, not generalists
Our payments team has built and operated systems processing hundreds of millions of transactions. They understand idempotency, distributed payment state, settlement windows, and the failure modes that only appear at scale - the things that don't come up in tutorials.
Compliance is an engineering discipline here
We have dedicated compliance engineers - people who understand both the regulatory requirements and how to implement them in code. Audit trails are immutable by design, not by convention. DSAR responses are automated, not manual.
We talk to regulators - your team doesn't have to
For FCA-supervised clients, we attend technical reviews alongside your compliance team, prepare responses to s166 information requests, and document the architecture in the format supervisors expect. Most engineering firms don't do this. We've done it enough times to be useful.
Latency and throughput aren't afterthoughts
Financial systems have hard latency requirements - payment decisioning, fraud scoring, market data processing. We design for the p99 case, not the average, and we instrument systems to catch latency regressions before they hit production SLAs or customer experience.
Questions about FinTech engineering
Direct answers about the technical and regulatory questions we hear most from financial services companies.
Have a specific project? Talk to us →Build financial technology that regulators approve and customers trust.
Book a free 60-minute technical session with a FinTech engineering specialist. We'll review your requirements, map the compliance and architecture questions worth solving early, and give you a realistic view of what good looks like for your specific product and regulatory context.