FinTech
Custom FinTech Software Development - Mobile Banking, Wallets & Payment Platforms
We build the parts of financial products that regulators audit and customers depend on - onboarding flows, transaction engines, ledgers, and mobile banking that doesn't fall over on payroll Friday.
What we hear from FinTech teams
- Onboarding drop-off above 40% because KYC adds friction your competitors don't have
- A monolith ledger that everyone is afraid to touch - every payment change is a 4-week change-management exercise
- PCI-DSS scope creep - every new feature accidentally drags a new service into card-data scope
- Fraud rules duct-taped together in three places (web, mobile, ops console) that don't agree
- Reconciliation breaks at month-end and ops resorts to spreadsheets
- Mobile app crashes that only show up at 250K+ concurrent users
Regulation & compliance we work with
PCI-DSS Level 1–4
SOC 2 Type II
PSD2 / Strong Customer Authentication
KYC / AML (FinCEN, FATF)
GDPR (EU) & CCPA
Open Banking (UK, EU)
Card-network rules (Visa, Mastercard)
What we deliver
Mobile banking apps (iOS + Android) with biometric auth and offline-tolerant transaction queues
Transaction ledgers with double-entry accounting, idempotency, and audit trails
KYC/AML onboarding flows with vendor pluggability (Onfido, Sumsub, Persona, Veriff)
Payment integrations: card acquirers, ACH, SEPA, real-time payment rails, Open Banking
PCI scope-reduction architecture (tokenization, network segmentation)
Fraud-decisioning services with rule engines + ML feature pipelines
Compliance evidence packs for SOC 2 / PCI auditors
FAQ
- Do you take PCI-DSS scope on your servers, or just write code that touches it?
- We build into your PCI environment (or your payment provider's) rather than hosting cardholder data on our own servers. For most clients we recommend tokenization architectures that keep PCI scope contained to a thin slice of the stack - typically 70–90% of the codebase moves out of scope.
- How do you handle audit evidence for SOC 2 / PCI?
- Every engagement produces an evidence pack: documented controls, infrastructure-as-code with policy linting, signed commits, deployment audit logs, and access-review reports - organised so QSAs and SOC 2 assessors get a single Notion/Confluence index instead of email chains.
- Can you take over a FinTech codebase someone else built?
- Yes, and roughly 40% of our FinTech engagements start as inherited-codebase work. Week one is a regulatory & technical audit (PCI scope, ledger correctness, secret hygiene, IaC drift). You get a written report before we commit to anything beyond the audit.
- Do you work with chartered banks, or only neobanks / wallets?
- We've shipped for both. Chartered banks add core-banking integration constraints (Fiserv, FIS, Temenos, Mambu) and longer change-management windows - we plan engagements around that, not against it.
- What's a realistic timeline for a mobile-banking MVP?
- 16–24 weeks for an MVP carrying real money, assuming you already have a banking-as-a-service partner (Synapse, Solid, Treezor, Bond, Currencycloud) or sponsor bank lined up. Without that, the regulatory side dominates the timeline.
Who builds it
Our own team, working from our office in East Sarajevo, Bosnia and Herzegovina. The engineers on your scoping call are the ones who build it.
Meet the team