Financial services,
engineered for trust.
Core banking, payments, lending, wealth, capital markets, risk and AI-native customer experience, engineered for the regulatory bar the sector demands, and the velocity real challenger businesses actually need.
The territory, in four numbers we hold ourselves to.
Financial services pays back what it can measure, in resilience, in cost-per-transaction and in customer trust. These are the numbers we design against.
- 99.99%
- Availability
- PCI + PSD2
- Native
- 6–10
- Weeks
- Zero
- Downtime cutovers
Target for payment and core-banking surfaces we engineer
And DORA, MiFID II and Open Banking-aligned architectures
To first regulated release on a scoped slice
On the core-banking and payment migrations we deliver
The financial-services formats we build for.
Financial services is a family of operating models, retail, wholesale, market infrastructure and adjacencies. We tailor architecture, resilience posture and regulatory alignment to the specific model.
Retail & digital banking
Consumer accounts, cards, savings and lending, with digital-first UX and core-banking spines that scale.
Payments & wallets
Card acquiring, real-time payments, e-money, wallets and merchant platforms, engineered for latency and disputes.
Lending & credit
Origination, underwriting, servicing and collections across consumer, SME and specialist credit portfolios.
Wealth & asset management
Adviser workbenches, robo-advisory, custody, portfolio and reporting platforms tuned to the fiduciary reality.
Capital markets & trading
Front-office platforms, order management, market data, risk and post-trade, engineered for microsecond fairness.
Insurance & insurtech
Policy admin, claims, underwriting, distribution and telematics, with actuarial rigour and modern customer experience.
Services we deliver into financial services.
Every financial-services engagement blends regulated systems, real-time platforms and modern engineering. These are the practices we most commonly deploy into banks, payments, lenders, wealth managers, insurers and fintechs, each linked to its dedicated practice page.
The financial-services estate we engineer end to end.
The financial-services organisations that pull ahead treat core, digital, risk, data and customer estates as one connected system, governed by the same standards and observed with the same rigour.
- 01Core banking & ledgers
- Core banking modernisation, ledger engineering and payments spines, designed for correctness, resilience and the day the volume triples.
- 02Payments & real-time rails
- Card acquiring, real-time payments, ISO 20022, SWIFT gpi, Open Banking APIs and fraud engineering as one connected surface.
- 03Risk, fraud & AML
- Real-time fraud detection, AML transaction monitoring, credit and market risk, engineered with model governance from day one.
- 04Digital customer experience
- Mobile, web, adviser and agent surfaces on a shared platform, with digital onboarding, KYC and consent engineered in.
- 05Data, analytics & regulatory reporting
- Semantic layer, real-time analytics, regulatory reporting and audit-ready evidence, one modelled truth, served everywhere.
- 06Resilience, security & DORA readiness
- Multi-region resilience, incident response, third-party risk and DORA-aligned operational resilience engineered as capability.
Trusted by banks, payments and challengers.
A representative sample of the banks, payment processors, lenders and fintechs we've engineered with.
Programmes delivered in this sector.
What clients ask us first
01Core-banking modernisation or greenfield?
Per bank, on evidence. Modernisation wins where the incumbent core is functional and the constraint is agility, API layers, event streams and a modern digital surface land value in months. Greenfield or replatform wins where the incumbent has drifted from reality, or a challenger needs a truly modern spine. In every case cutovers are rolling, reconciled and reversible, the sector cannot afford otherwise.
02Where does AI genuinely earn its place in financial services?
In fraud and AML where signal is real, in credit and risk models with proper governance, in customer-service copilots grounded in your systems, in KYC and dispute triage, and in analyst copilots for capital markets. In every case model governance, evaluation and human-in-the-loop are engineered, because regulated environments do not ship AI without evidence.
03How do you handle PCI-DSS, PSD2, MiFID II and DORA?
As engineering, not paperwork. Controls, identity, encryption, audit, incident response and operational resilience are designed into the platform. Evidence is generated by delivery. DORA in particular is a first-class engineering programme in every EU engagement, not a compliance appendix.
04How do you approach Open Banking and ISO 20022?
As product surfaces, not compliance chores. Open Banking APIs get portals, developer experience and analytics like any product API. ISO 20022 migrations are engineered against real payment flows with reconciliation, dry-run and rollback at every stage. The standards that reshape financial services deserve engineering, not project management.
05How do you handle resilience and business continuity?
Multi-region active-active where the business demands it, active-passive with tested failover where economics justify it, and rehearsed incident response for both. Chaos and load testing are engineering disciplines. Resilience is a numbers game, we run the numbers and design against them, not against a hope.
Let's discuss your financial services programme.
Share a brief overview of the estate and the outcomes you're chasing, we'll arrange an introductory conversation with the relevant practice leadership.