FinTech Applications Engineered for Trust
We build secure, regulation-ready financial technology applications that handle payments, manage investments, and deliver real-time financial data with the reliability and compliance your users demand.
Problems you shouldn't have to live with
Regulatory Minefields
FCA regulations, PSD2 compliance, KYC and AML requirements create a maze of rules that one wrong step can trigger fines, licence revocation, or worse. Most dev teams lack the domain knowledge to navigate this.
Security Vulnerabilities
Financial applications are prime targets for cyberattacks. A single breach can expose customer funds and personal data, destroying trust and triggering regulatory investigations that can shut you down.
Legacy System Constraints
Your existing financial infrastructure is slow, rigid, and expensive to maintain. Bolting new features onto outdated systems creates technical debt that slows every future improvement.
Real-Time Data Challenges
Users expect instant balance updates, live transaction feeds, and real-time notifications. Building systems that process and display financial data with zero latency and complete accuracy is technically demanding.
How we solve it
- 1
Compliance-First Architecture
We build fintech products with FCA, PSD2, and Open Banking compliance baked into the architecture. KYC identity verification, AML screening, transaction monitoring, and regulatory reporting are built in from day one.
- 2
Bank-Grade Security
Multi-layer security including 256-bit encryption, hardware security modules, biometric authentication, fraud detection algorithms, and real-time threat monitoring to protect every transaction and account.
- 3
Payment Processing Engine
We integrate with payment rails including Stripe, Modulr, CurrencyCloud, and Open Banking APIs to enable instant payments, direct debits, foreign exchange, and multi-currency transactions.
- 4
Real-Time Data Pipeline
Event-driven architecture with WebSocket connections delivers live balance updates, transaction notifications, and market data streams with sub-second latency and guaranteed accuracy.
- 5
Financial Dashboard & Reporting
Interactive dashboards with charts, transaction history, spending analytics, and exportable reports that give users and administrators complete visibility into financial activity.
- 6
Open Banking Integration
We connect your application to major UK banks via Open Banking APIs, enabling account aggregation, payment initiation, and financial data enrichment that powers personalised user experiences.
Technologies we use
ReactNext.jsNode.jsPostgreSQLAWSStripePlaidRedisDockerKubernetes
Questions we get asked
Yes. We have built applications for FCA-regulated businesses including payment service providers, electronic money institutions, and investment platforms. We understand the technical requirements for compliance including transaction monitoring, KYC workflows, and regulatory reporting.
We implement bank-grade security measures including end-to-end encryption, multi-factor authentication, hardware security modules for key management, automated fraud detection, real-time threat monitoring, penetration testing, and compliance with PCI DSS standards for payment data.
Yes. We regularly integrate with Open Banking providers including TrueLayer, Yapily, and direct bank APIs to enable account information services, payment initiation, and financial data aggregation for UK and European bank accounts.
A payment application or financial dashboard typically takes 12 to 18 weeks. A full banking or investment platform with compliance features, multi-currency support, and third-party integrations usually takes 20 to 32 weeks depending on regulatory requirements.
Costs depend heavily on regulatory requirements and integrations. A straightforward payment app or dashboard starts around £30,000. A comprehensive fintech platform with compliance, multiple payment rails, and mobile apps typically ranges from £60,000 to £150,000.
Yes. We can integrate cryptocurrency payment processing, wallet functionality, and blockchain-based features into your application. We work with established providers and ensure compliance with UK crypto-asset regulations.
Yes. For applications that process card payments, we architect systems to minimise PCI scope by using tokenisation and certified payment processors like Stripe. For applications requiring full PCI compliance, we implement the necessary security controls and documentation.
We build systems that handle multiple currencies with real-time exchange rates, automatic currency conversion, and integration with international payment networks. We have experience with cross-border payment flows for UK businesses serving global customers.
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