Fintech Software Development Services for Regulated US and EU Operators

Card scope creep

PCI DSS audit scope quietly grows with every new microservice. We tokenize early and isolate cardholder data to keep the audit boundary small.

PSD2 SCA friction

Strong customer authentication kills conversion when applied bluntly. We tune risk-based exemptions and 3DS2 flows for measurable uplift.

Legacy core integration

Mainframe and aging core banking systems block product velocity. We wrap them with event-driven facades and progressive strangler patterns.

AML signal noise

Rule-only monitoring drowns analysts in false positives. We add ML scoring and feedback loops to lift true-positive rate without breaking auditability.

DORA readiness

ICT risk register, third-party concentration and resilience testing are now non-negotiable. We engineer them in, not bolt them on.

Cross-border data

Multi-jurisdiction deployments need careful data residency and SCC handling. EU data residency by default, US options on request, with clear lawful basis.

Card networks & acquiring

Visa, Mastercard, American Express and Discover flows with EMV 3DS2, network tokenization and acquirer/processor connectivity for both issuing and acquiring.

Bank & real-time payment rails

ACH under NACHA, FedNow and TCH RTP in the US; SEPA Credit Transfer, SEPA Instant and SEPA Direct Debit plus SWIFT and Fedwire for cross-border payments and wires.

Open banking & aggregation

PSD2 account-information and payment-initiation flows through licensed AISP/PISP providers and aggregators such as Plaid, MX and Mastercard Open Banking for account verification and pay-by-bank.

Identity, KYC & AML data

Document and biometric identity verification, sanctions and PEP screening against OFAC, EU consolidated and UN lists, and transaction-monitoring feeds wired into SAR/STR workflows.

Core banking, BaaS & ledger

Core-banking and card-issuing processors, Banking-as-a-Service partner rails and a double-entry ledger of record for accounts, balances and reconciliation.

Market data & post-trade

Market-data feeds, order-management and execution over FIX, plus custody, settlement and post-trade reconciliation for trading and brokerage desks under MiFID II.

Neo-bank & Digital Banking

We build cloud-native core banking platforms with microservice-based account management, transaction processing, and product configurability that lets you launch new financial products in weeks instead of months. Our PSD2/Open Banking integrations implement OAuth2 TPP authorization flows, consent management UIs, and AISP/PISP API adapters that comply with EBA Regulatory Technical Standards.

Core banking API layers use event-sourced ledger systems with double-entry accounting, CQRS pattern for read/write separation, and idempotency controls for payment processing. We use Apache Kafka for event streaming, PostgreSQL with financial-grade ACID transactions, and Redis for real-time balance caching at banking scale.

Payment & Transaction Processing

ISO 20022 migration is mandatory for SWIFT cross-border and SEPA payments, requiring end-to-end message transformation and enriched data handling. We implement message translation layers, co-existence period strategies, and SEPA Instant Credit Transfer (SCT Inst) processing pipelines capable of sub-10-second settlement with 24/7/365 availability.

Payment processing pipelines handle millions of events per second through Kafka's distributed log architecture, enabling real-time fraud detection, payment routing, and audit trail generation without performance degradation under peak load. We build ISO 8583 adapters for card network connectivity and 3DS2 authentication flows for SCA compliance.

Wealth Management & Investment

MiFID II requires suitability and appropriateness assessments for investment recommendations, transaction reporting (RTS 22/24), and best execution analysis. We build robo-advisory engines with risk profile questionnaires, goal-based portfolio optimization using Modern Portfolio Theory, and automated rebalancing workflows that satisfy MiFID II suitability documentation requirements.

Investment platforms need real-time market data ingestion, order management systems (OMS) with DMA capabilities, and portfolio performance attribution that satisfies GIPS standards. We integrate with market data providers (Bloomberg, Refinitiv, Quandl) and prime brokers via FIX protocol.

RegTech & Compliance Automation

Financial crime compliance teams need ML-based behavioral analytics engines that reduce false positives in AML transaction monitoring while meeting FATF and 6AMLD requirements. We build automated KYC/KYB document verification integrations (Onfido, Jumio, Sumsub) and sanctions screening APIs that process customer records against OFAC, UN, and EU lists in real time.

Regulatory reporting automation reduces manual reconciliation work by 80%+ through structured data pipelines that aggregate transactional data into FCA/EBA/BaFin-format regulatory reports. We build audit trail systems with immutable append-only logging satisfying 7-year retention requirements for transaction monitoring evidence.

InsurTech

Parametric insurance products pay out automatically when predefined triggers are met (weather station data, flight delay APIs), eliminating manual loss adjustment. We build IoT telematics data pipelines for usage-based insurance (UBI), AI-powered first notice of loss (FNOL) processing, and automated claims adjudication workflows that reduce claims cycle time by 60–80%.

Insurance platforms require actuarial data models integrated with pricing engines, reinsurance treaty management, and regulatory reporting for Solvency II. We build insurance product configurators that let underwriting teams define new coverage products without engineering involvement.

Embedded Finance & BNPL

Embedded finance allows non-bank businesses to offer financial services through APIs, creating new revenue streams and improving customer retention. We integrate Banking-as-a-Service platforms (Railsr, Solaris, Treasury Prime), implement BNPL lending decisioning models with credit bureau integrations, and build merchant-facing financial product widgets deployable in days.

BNPL decisioning models use alternative credit data sources (open banking transaction history, behavioral signals) to assess creditworthiness for thin-file customers, expanding addressable market while managing credit risk through ML-based approval thresholds and portfolio monitoring dashboards.