Digital banking and payment systems built to a regulator standard — Open Banking and PSD2, core banking integration, payment rails, limits and balances, and multi-factor authentication.
Most software can be corrected after launch. Payment and banking software cannot: a limit applied twice, a balance read from the wrong source, or a consent flow that misses a step is a regulatory finding and a customer complaint at the same time. So the effort is front-loaded into specification and assurance — agreeing what each rule means, who owns it and how it will be evidenced before anything is coded. We build the services and interfaces behind retail and corporate banking, integrate the core banking system and payment rails beneath them, and deliberately keep one implementation of each business rule so that a change to a limit or a fee applies everywhere at once. Where a bank or an auditor will ask a question in two years, we write the answer down now.
The specifics, rather than the adjectives.
PSD2 standard APIs, Strong Customer Authentication, consent handling, and the JWT and middleware layer in front of them — implemented to the Berlin Group specification, where the consent and SCA flows are the difference between a compliant interface and a failed assessment.
Temenos, Oracle Flexcube and comparable cores, over the SOAP and REST interfaces they actually expose rather than an idealised version of them. Including what decides reliability in production: session and connection handling, idempotency, retry behaviour, and reconciling what your system believes against what the core recorded.
Domestic and international transfers, wallet top-ups, biller payments and remittance partners such as Western Union. Every rail carries its own failure modes, cut-off times and reversal rules, and those are designed for explicitly rather than discovered during a settlement window.
Image-based cheque clearing — capture and validation, the clearing file, and the reconciliation that proves what was presented against what was actually settled. The kind of flow where a silent mismatch is discovered by an auditor rather than an alert, so the checks are built in from the start.
System, user, product, service and daily or monthly limits, with the balance and available-balance logic underneath them. Deceptively hard: most defects in this area come from two components calculating the same limit differently, so each rule gets a single owner and tests that prove it.
OTP, hardware and soft tokens, and vendor-specific schemes, wired into the transaction path rather than only the login screen. Step-up authentication on the operations that genuinely need it — a transfer, a limit change, adding a payee — so friction lands where the risk is instead of on every page.
Balances, mini-statements, card block and unblock through WhatsApp and chat, built on the official Business Platform rather than an unofficial library that risks the number being blocked. With an explicit escalation path to a human and a written statement of what the channel will not do.
Retail and corporate internet banking, mobile apps and the internal administration console, sharing one set of services rather than three implementations of the same rule. That is what makes a change to a limit, a fee or an approval step take effect everywhere at once.
A concrete list of outputs. If something here is not relevant to your project, it comes out of the scope and the price — we would rather agree that in writing now.
Five steps. You always know which one you are in.
What the regulation actually requires, what the core banking system will and will not do, and who owns each business rule. The document that comes out of this is the one that survives the audit.
Interfaces, contracts, error and reversal behaviour, and the reconciliation strategy — agreed before code, because the cost of changing a payment flow after it is live is measured in customer impact.
One flow end to end through every layer — UI, service, core banking, back again — before the pattern is repeated. Proves the hard integration works before it is replicated across twenty screens.
Test evidence for the paths a regulator will ask about: limits, reversals, SCA, consent, duplicate submission and reconciliation. Written to be handed to an auditor, not just to a developer.
Staged release with production monitoring on the transaction paths, documentation of every integration contract, and knowledge transfer to the team who will operate it.
The platforms and frameworks we build, integrate and maintain on. We would rather work in a stack your team can hire for and hand over than pick whatever is interesting this year — and where an existing platform does the job better than custom code, we will say so.
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