Financial Services
Core banking modernization, real-time payments and risk AI.
Overview
We help banks, insurers and payment providers modernize legacy cores, launch real-time payment rails and deploy AI for fraud and risk — all without disrupting mission-critical operations.
What makes it hard
- Legacy core systems
- Decades-old cores slow every new product launch.
- Real-time expectations
- Customers demand instant payments and instant decisions.
- Fraud sophistication
- Fraud rings evolve faster than static rule engines can adapt.
- Regulatory reporting load
- New reporting mandates demand auditable, traceable data pipelines.
How we'd build for it
- Core modernization
- Strangler-fig migration of monolithic cores into composable services.
- Real-time payment rails
- Event-driven payment infrastructure built for sub-second settlement.
- Fraud & risk AI
- Streaming ML models that adapt to emerging fraud patterns.
- Automated regulatory reporting
- Governed data pipelines that generate audit-ready reports on demand.
Reference architecture
A layered view of how a platform in this sector typically fits together.
- Core banking layer
Modular ledger and account services decoupled from legacy monoliths.
- Payments & messaging layer
Event-driven rails supporting real-time and batch settlement.
- Risk & intelligence layer
Streaming models scoring transactions and behavior in real time.
- Compliance & audit layer
Immutable logs and governed reporting pipelines for regulators.
Standards and regulations we design around
- PCI-DSS
- Basel III / IV
- SOX
- Local central bank regulations
Questions
Common questions
Can you modernize our core without downtime?
Yes — we use strangler-fig patterns and phased cutovers to keep transactions flowing throughout.
Do you have experience with real-time payment schemes?
Yes, including regional instant-payment rail integrations and ISO 20022 messaging.
How do you keep fraud models compliant?
Every model ships with explainability dashboards and audit trails for regulator review.
Have a system that needs building — or rebuilding?
Send a short brief. A senior engineer will reply with questions or a time to talk.