Financial software built
for compliance, scale, and trust.
Financial services software operates under the most demanding combination of regulatory requirements, performance expectations, and security scrutiny of any sector. We build payment platforms, lending systems, investment tools, and open banking applications with FCA, PSD2, and AML compliance engineered in from the start.
Fintech software development where compliance is architecture, not a legal problem
Financial software has a compliance problem that most development teams treat as a legal problem. The FCA authorisation requirements, PSD2 obligations, PCI DSS card data rules, and AML screening requirements are treated as policies to be addressed by legal and compliance after the product is built.
Our fintech software development approach treats compliance requirements as architectural constraints that shape the data model, API design, encryption strategy, and audit trail implementation from the first sprint. The result is software that passes regulatory review rather than requiring expensive rework to achieve it.
PCI DSS scope reduction as an architecture decision
PCI DSS compliance is significantly easier and cheaper to maintain when the architecture is designed to minimise card data scope. Using a payment tokenisation provider means your systems never handle raw card numbers, dramatically reducing PCI DSS obligations. We design payment flows with this scope reduction as a primary architectural goal.
Strong Customer Authentication and PSD2 compliance
PSD2 SCA requirements mandate two-factor authentication for payment initiation above defined thresholds. The SCA implementation has UX implications and technical requirements around which authentication methods qualify and how exemptions are managed. We design SCA flows that meet FCA requirements while minimising unnecessary friction through intelligent exemption management.
Specialisations & capabilities
Payment processing platforms, digital wallets, and payment orchestration layers with PCI DSS-scoped card data handling, multi-currency support, and the reconciliation infrastructure that finance teams require.
Account information and payment initiation services built to PSD2 requirements, integrating with Plaid, TrueLayer, and Yapily for account aggregation, identity verification, and payment initiation workflows.
Loan origination systems, credit decisioning platforms, and loan management systems with bureau integrations, credit scoring models, FCA consumer credit compliance, and regulated payment handling.
Portfolio management platforms, robo-advisory tools, and investment analytics with FCA COBS compliance, MiFID II reporting, and the data architecture required to manage positions and valuations at scale.
Transaction monitoring, AML screening platforms, regulatory reporting automation, and compliance workflow tools reducing manual regulatory burden while producing documentation regulators inspect.
Platforms aggregating, reconciling, and analysing financial data across systems from operational transaction databases to management reporting dashboards and regulatory return preparation tools.
How every engagement runs
We define the regulatory framework that applies to your product including FCA authorisation requirements, PSD2 obligations, and PCI DSS scope before any architecture decisions are made.
Financial-grade security architecture designed with IAM policies, encryption strategy, HSM configuration, and network segmentation defined before development begins.
Full-stack development with compliance controls implemented in the first sprint. Payment gateway integration, KYC provider connections, and AML screening configured as core components.
Internal security review, penetration testing, and compliance documentation review before go-live. Staged rollout with monitoring configured from the first transaction.
Numbers that reflect real outcomes
Tools we use in production
Building a financial product that needs to be compliant from day one?
Book a free discovery call with our fintech team. We will review your regulatory context, security requirements, and product goals and give you an honest picture of what compliant, production-ready financial software costs to build.
What does compliance-first fintech development actually mean in practice?
Fintech software development that treats regulatory compliance and good engineering as complementary rather than conflicting produces better outcomes. The immutable audit trail that FCA requires is the same audit trail that makes fraud investigation efficient. The data minimisation that PCI DSS recommends reduces breach exposure and simplifies GDPR obligations.
Our payment software development practice implements compliance requirements simultaneously with core engineering work rather than sequentially. Audit trails and access controls are implemented in the first sprint. Formal security review happens before each production deployment.
For digital banking software development, the practical implication is that the same engineering discipline that produces secure, compliant software also produces more maintainable software with lower long-term operational cost.
The specific technical challenges of regulated financial product development
Payment platform development combines transactional reliability and regulatory compliance. The transactional reliability challenge is solved through idempotent payment APIs, distributed transactions with saga patterns, and reconciliation processes. The compliance challenge requires architecture decisions about card data flows, AML screening integration, and regulatory reporting structure.
Open banking integration with PSD2-compliant APIs requires managing bank API inconsistencies, rate limiting, consent management, and webhook handling for real-time payment status. We have integrated with TrueLayer, Yapily, Plaid, and UK major bank APIs directly.
Lending platform development for FCA-regulated consumer credit requires the affordability assessment data collection, APR calculation, credit agreement generation, and arrears management workflow controls that FCA consumer credit rules specify. We design these requirements into the platform from the URS stage.
Financial software benefits from event sourcing: storing every financial event as an immutable record and deriving current state by replaying events. This provides the complete audit trail regulators require, enables point-in-time account state reconstruction for dispute resolution, and provides a reliable foundation for reconciliation.
KYC integration connects identity verification providers (Onfido, Jumio) and sanctions screening services (Comply Advantage, LexisNexis) into the customer onboarding flow. Integration handles asynchronous verification decisions, document resubmission flows, and enhanced due diligence workflows for higher-risk customers.
Financial security architecture addresses every layer: application (input validation, parameterised queries), transport (TLS 1.3, HSTS), data (AES-256 field encryption, HSM key management), infrastructure (network segmentation, WAF, DDoS protection), and access (MFA, just-in-time privileged access, separation of duties).