PSD2 fintech & BNPL
SCA flows, account aggregation via Tink and Plaid Europe, KYC and PEP via Onfido, ComplyAdvantage and SEON, AML rules engines, ledger-grade accounting, BNPL underwriting hooks. Finansinspektionen reporting cadence aware.
B2C scale on AWS eu-north-1
Multi-region read paths, event-driven backbones on Kafka or AWS MSK, Aurora or Citus for OLTP, Redis at the edge. Built for million-user weekly active loads with sub-200ms latency targets across the Nordic and Baltic geos.
AI-native consumer products
Production LLM features (RAG, agents, code-gen surfaces) on OpenAI Azure EU, Anthropic, Mistral and self-hosted Llama / Qwen on GPU AWS. EU AI Act documentation built in from day one. Lovable-style consumer code-gen UX patterns where they fit.
Mobile-first consumer apps
React Native and Flutter for shared codebases, native Swift / Kotlin for products where animation, offline, or sensor work demands it. App Store and Play Store releases that pass IMY notice review the first time.
GDPR + IMY compliance engineering
Consent flows that survive IMY scrutiny, data-export and erasure pipelines, processing register in DPO-presentable format, EU-only data planes, breach-response runbooks. We sit between the product team and the external DPO.
Fractional CTO & technical DD
Senior engineering leadership 2 to 8 days a month for Stockholm Series A–C founders, plus investor-side technical due diligence for Nordic VCs (EQT Ventures, Northzone, Creandum, Inventure) and corporate development teams.