FinTech Software Solutions

• High transaction processing costs (interchange, network fees)
• Slow or inefficient settlement and reconciliation processes
•  Complexity in managing chargebacks and claims processing
• Limited flexibility in integrating new payment methods or partners

Optimized Payment Gateways & Processing Suites

Custom payment solutions optimize transaction routing, manage processing fees, automate settlement and reconciliation workflows, provide tools for efficient chargeback management, and offer flexible APIs for integrating diverse payment options.

• Reduced transaction processing costs
• Faster and more accurate settlement cycles
• Streamlined chargeback and claims resolution
• Increased flexibility to support new payment types (crypto, digital wallets)

• Decrease average transaction cost by 15-20%
• Accelerate funds availability through faster settlements
• Reduce chargeback ratios and associated costs
• Improve payment acceptance rates and reliability

• Handling exponential growth in user base and transaction volume
• Maintaining low transaction latency under peak load
• Scaling infrastructure efficiently and cost-effectively
• Ensuring high availability and resilience against system failures

High-Performance Scalable Transaction Processing Engine

Our custom solutions leverage cloud-native architecture (serverless, SaaS, PaaS, IaaS) and microservices to build highly scalable, performant transaction processing systems capable of handling massive volumes with minimal latency.

• Handle massive transaction volumes
• Maintain consistent low latency even under peak demand
• Elastic scalability that adjusts with usage, optimizing costs
• Achieve high levels of system availability and reliability

• Increase peak transaction throughput by 15-20%
• Reduce infrastructure costs per transaction by 25% at scale
• Achieve 99.99 %+ system uptime and availability
• Support user base growth without performance degradation

• Siloed customer and transaction data across different systems
• Difficulty gaining a unified view of the customer and their behavior
• Inability to personalize product offerings and interactions effectively
• A fragmented user experience and an insufficient identification of user needs

AI-Powered Customer Data Platform (CDP) for CX & Engagement

A custom CDP unifies customer data from all touchpoints. AI model analyzes behavior, segments users, predicts needs, and enables personalized product recommendations. Such a platform integrates communication channels, provides customized dashboards and notifications, incorporates self-service options, and empowers the support agents with a 360-degree customer view.

• Single, unified view of each customer
• Deeper insights into user behavior and preferences
• Highly personalized product recommendations and communications
• Improved customer segmentation and targeting

• Increase customer lifetime value (LTV) by 10-15%
• Optimize marketing spend with more effective targeting
• Reduce customer churn rate by 25% through personalized engagement
• Improve customer retention rates by 15-20%

• Sophisticated and evolving fraud techniques (account takeover, transaction fraud)
• Balancing stringent security with a smooth user experience
• Fraud detection and suspicious transactions identification in real-time amidst high volumes of operations
• Streamlining the investigations, managing watchlists, and sanctions screening processes

Real-Time Fraud Detection and Crime Prevention Engine

Custom fraud detection systems analyze transaction patterns and user behavior in real-time using AI. They identify and flag suspicious activity, integrate with security protocols, and adapt to new fraud vectors.

• Proactive prevention of financial losses due to fraud
• Reduced false positives, minimizing impact on legitimate users
• Enhanced trust and security for customers
• Compliance with industry security and global anti-financial crime standards

• Decrease financial losses attributable to fraud by 20-30%
• Improve fraud detection accuracy while reducing review time by 15%
• Increase overall transaction approval rates
• Minimize costs and reputational damage associated with security breaches

• Constantly changing global and local financial regulations (AML, KYC, PSD2, GDPR)
• Manual and labor-intensive compliance checks and reporting
• Difficulty aggregating required data from disparate internal systems
• Risk of significant financial penalties for non-compliance

Automated Compliance & Regulatory Reporting Platform

These custom platforms automate data collection from various systems, perform continuous monitoring against regulatory rules (AML screening, transaction monitoring), manage compliance workflows, and automate the generation of required regulatory reports.

• Streamlined and efficient compliance processes
• Reduced risk of non-compliance and associated fines
• Automated and accurate data collection and reporting
• Improved readiness for regulatory audits

• Reduce compliance operational costs by 20-35%
• Minimize exposure to multi-million dollar non-compliance penalties
• Shorten regulatory reporting cycles by 15-20%
• Focusing compliance officers on higher-level risk assessment instead of routine checks and reporting

• Technical debt and rigidity in outdated core banking/payment systems
• Slow pace of innovation and new product launches
• Difficulty integrating with modern FinTech solutions and APIs
• High maintenance costs and risk of system failure

Core Banking Modernization Layer (APIs & Microservices)

We build custom abstraction layers and microservices architecture around or alongside legacy systems. This enables secure API exposure, modular development, phased migration, and integration with modern services without a full rip-and-replace.

• Compliance with modern financial sector standards
• Expanding functionalities of existing products instead of expensive development from scratch
• Improved systems performance and reliability
• Lower operational and maintenance costs

• Reduce system maintenance costs for legacy components by 25%
• Improve transaction processing speed and throughput up to 25-30%
• Decrease churn rate up to 30-40%
• Shorten the number and duration of downtimes for running software systems

• High operational costs that are associated with managing legacy infrastructure
• Inefficient resource utilization in cloud environments
• Difficulty forecasting and managing infrastructure needs accurately
• Lack of visibility into IT spending across different projects/services

Cloud Cost Management & Optimization Platform

Custom solutions provide granular visibility into infrastructure spending (cloud and potentially on-prem), identify optimization opportunities (resource rightsizing, reserved instances), automate cost monitoring, and facilitate resource allocation to specific services or business units.

• Significant reduction in infrastructure operating expenses
• Improved efficiency of cloud and on-premise resource utilization
• Clearer visibility into technology costs per service and system
• More accurate IT budgeting and forecasting

• Decrease overall infrastructure costs by 10-20% annually
• Improve cloud resource utilization rates by 30%
• Better align IT spending with business value
• Extend the useful life of existing infrastructure through better management

• Complying with Open Banking regulations (e.g., PSD2 in Europe)
• Building secure, reliable, and developer-friendly APIs
• Managing API access, usage, and security effectively
• Identifying and capitalizing on opportunities for API-driven partnerships

API Management Gateway & Developer Portal

Custom API solutions provide the infrastructure to securely expose financial services and data via APIs, manage developer access, monitor API usage, ensure compliance with standards, and provide a portal for documentation and support.

• Enable compliance with Open Banking mandates
• Foster innovation through ecosystem partnerships
• Secure and controlled access to data and services
• Accelerated integration time with third-party providers

• Enable new API-driven partnerships, open new markets, and involve new customers
• Generate new revenue streams from API usage fees
• Reduce the cost and complexity of third-party integrations by 15-20%
• Improve developer adoption and satisfaction with your platform

• Siloed processes for credit, market, and operational risk assessment
• Difficulty monitoring risk exposure in real-time across the portfolio
• Inconsistent application of risk policies and controls
• Slow operation of comprehensive risk management systems

Integrated Risk Management Platform 

Custom-built platforms provide a holistic view of risk across the organization. They automate data collection, enable real-time risk scoring and monitoring, support scenario analysis, and deliver dashboards for risk reporting and compliance.

• Comprehensive, real-time view of risk exposure
• Automated risk assessment and scoring
• Consistent application of risk policies and controls
• Improved compliance with risk-related regulations

• Reduce credit losses by 20% through more accurate scoring
• Improve visibility into operational risk, reducing incidents by 25%
• Streamline and accelerate risk reporting processes
• Enable data-driven strategic risk decisions