Financial software built for real-time money and real scrutiny
Payments now settle in seconds, customer data moves across institutions on open banking rails, and a growing share of financial products is distributed inside somebody else's app. The systems most firms run were designed for none of that, and they cost more each year to keep still. We build the platforms, integrations and controls that close the gap — with security, auditability and model explainability treated as design constraints from the outset, because in this sector they are the product as much as the feature list is.
What finance teams are actually up against
Real-time payments change what the back office has to do
Instant settlement removes the window that batch reconciliation, fraud review and error correction quietly depended on. Sanctions screening, limit checks and fraud scoring have to complete in the payment path, in milliseconds, and a failed payment now becomes a customer complaint the same minute rather than the next morning.
The core system costs more every year and moves less
Legacy cores absorb a large share of the technology budget while setting the pace for every product launch. Full replacement is a multi-year programme with real failure risk, so the practical route is progressive: an API layer over the core, then migrating capabilities off it one at a time while it keeps running.
Regulators want explanations, not accuracy scores
Any model touching a credit decision, an AML alert or a pricing outcome has to be explainable to a supervisor and to the customer it affected. Model risk governance now means documented data lineage, versioned training sets, adverse action reasoning and a named owner — obligations a well-performing model with no paperwork does not satisfy.
Fraud and financial crime under a false positive tax
Authorised push payment fraud and synthetic identity have grown faster than the controls aimed at them, while transaction monitoring still generates alert volumes where the overwhelming majority close as nothing. Investigator time is the binding constraint, so precision matters more than raw detection rate.
Open banking data is available and largely unused
Account and transaction data can be retrieved with consent through standard APIs, and most firms use it for a one-off check at onboarding and nothing after. The harder and more valuable work is treating that stream as an ongoing signal for affordability, risk and servicing, with consent and revocation handled properly throughout.
Embedded finance moves the product into someone else's app
Lending, payments and insurance increasingly reach the customer through a platform or marketplace rather than your own front end. That demands partner-grade APIs, sandbox environments, per-partner limits and reporting, and a clear position on who owns the compliance obligation at each step — usually still you.
How we answer those problems
Digital banking and customer platforms
Account servicing, onboarding, payments and self-service across web and native mobile, with strong customer authentication, device binding and accessibility built in rather than added after a review. Built for high availability, with monitoring and rehearsed failover rather than an untested runbook.
Payments and real-time rails
Integration with card processors, ACH, SEPA, FedNow, RTP and ISO 20022 message flows, including idempotent processing, reconciliation and the exception handling that instant settlement makes unforgiving. Payment paths are load-tested against realistic peaks before they carry money.
Fraud, AML and transaction monitoring
Real-time scoring in the payment path, network analysis across accounts and beneficiaries, and case management that gives investigators the context in one place. Every model carries documentation, performance by segment and drift monitoring, so a model risk review has something to examine.
Open banking and data integration
Consent capture, account aggregation and transaction enrichment through open banking APIs and providers such as Plaid and Tink, with categorisation and affordability signals that hold up under challenge. Consent lifecycle and revocation are handled as first-class engineering, not a checkbox on a form.
Core modernisation and cloud migration
An API and event layer over the existing core, then progressive migration of capabilities into services you can change independently. Delivered with infrastructure as code, rehearsed cutovers and a rollback path agreed before anything moves — the strangler pattern, because big-bang core migrations are how banks end up in the press.
Analytics, reporting and wealth platforms
Regulatory and management reporting from a governed data layer, portfolio and advisory tooling for wealth teams, and dashboards that reconcile to the ledger rather than approximately agreeing with it. Lineage is traceable from the report back to the source transaction.
Regulatory context
These regimes shape what can be built and how data moves. We design to them from the first architecture conversation, rather than retrofitting controls once something is already live.
Services we bring to finance
Software built around how your business actually works — not bent to fit somebody else's product roadmap.
iOS and Android apps built to survive store review, OS upgrades and the second month — when most apps quietly lose their users.
Moving workloads to AWS, Azure or Google Cloud in waves you can stop — with the running cost worked out before you commit, not discovered on the third invoice.
Models that forecast, rank, score and flag — built on your data, monitored for drift, and cheap enough to run on every transaction.
A warehouse, tested transformations and one agreed definition of every metric — so the number in the meeting stops being an argument.
Finance questions, answered
Last updated: August 31, 2026
By building the evidence as the system is built. Change management runs through reviewed pull requests and approved pipelines that produce a SOX-usable audit trail; cardholder data is tokenised and kept out of scope wherever the design permits, with the remaining scope segmented for PCI DSS 4.0; Basel III shows up as reporting accuracy and data lineage obligations on the data layer. Your auditor still forms their own opinion — we make sure there is nothing in the architecture that stops them signing.
Start with the system that is holding the rest back
The core that every launch waits on, the monitoring nobody can tune, the reconciliation that runs overnight because it always has. An hour with our team gets you a view of what can move first and what it takes.
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