We engineer secure, compliant fintech platforms from neobanking infrastructure and real-time payment systems to algorithmic trading platforms and embedded finance APIs built for the regulatory requirements of modern financial services.
Financial platforms carry the highest stakes in software engineering they must be secure against sophisticated attack vectors, reliable at the millisecond level, and compliant with overlapping regulatory frameworks. We build fintech products that hold up under that pressure.
Our fintech engineering practice covers neobanking, lending, payments, wealth management, and embedded finance. We understand PCI DSS, SOC 2, Open Banking standards, and the FCA/SEC regulatory environment well enough to make architecture decisions that serve compliance rather than fight it.
We work with both established financial institutions modernizing legacy systems and fintech startups building from scratch with the same rigour applied to both.
PCI DSS, SOC 2 Type II, KYC/AML, and Open Banking compliance built into the architecture not retrofitted after an audit finding.
Sub-100ms transaction processing, real-time fraud scoring, and instant payment rails that meet user expectations and regulatory requirements.
Wrapping or replacing aging core banking systems with modern APIs preserving stability while enabling the speed of innovation.
ML-powered fraud detection, velocity checks, device fingerprinting, and real-time risk scoring integrated into transaction flows.
Secure, compliant financial platforms for every segment of the industry.
Full-stack neobank infrastructure account management, card issuance, payments, KYC onboarding, and compliance reporting built on modern cloud architecture.
Real-time payment rails, multi-currency wallets, FX conversion, recurring billing, and payment orchestration layers across Stripe, Adyen, and direct bank integrations.
Smart contract platforms, tokenized asset systems, DeFi protocols, and crypto custody solutions audited, secure, and regulatory-aware.
ML-powered fraud detection engines, KYC/AML workflow automation, sanctions screening, and transaction monitoring integrated into your payment flows.
Digital lending origination, underwriting automation, credit scoring models, loan servicing portals, and collections management systems.
BaaS integration layers, financial data aggregation via Open Banking APIs, and white-label financial product infrastructure for non-financial platforms.
From pre-Series A neobanks to established payment processors, our platforms have powered significant growth while maintaining the compliance standards that regulators and enterprise clients require.
We needed a team that understood both the technical complexity of real-time payment systems and the regulatory constraints of a licensed e-money institution. Tech Laurel delivered both. Our PCI DSS audit was the smoothest we've had in six years.
Battle-tested financial infrastructure tools and compliance frameworks.
We design systems to minimise PCI DSS scope from day one using tokenisation to avoid storing cardholder data, integrating with certified payment processors, and implementing network segmentation that keeps payment data isolated. We also document the compliance controls required for each SAQ level and coordinate with your QSA during audit preparation.
Yes. We build modern API layers over legacy core banking systems (Temenos, Finastra, FIS) using strangler fig patterns that let you modernise incrementally without a big-bang migration. We connect via existing SOAP/XML interfaces where necessary and create clean REST/GraphQL facades for your new products to consume.
We integrate with leading KYC/AML providers (Sumsub, Onfido, Jumio) for identity verification and build automated monitoring workflows for ongoing AML screening. The specific requirements depend on your jurisdiction and licence type we work through those requirements with your compliance team and build systems that satisfy both the spirit and letter of the regulations.
Tell us about your financial product. We'll come back with an architecture recommendation and compliance approach within 48 hours.