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?
- Both, depending on the engagement. We can deliver code into your existing PCI environment, or host the cardholder-data environment ourselves under an attestation. 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. We've shipped evidence directly to Big-4 audit firms; 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.