FinTech & Financial Services
Consumer Duty compliance infrastructure. Open Banking integrations built to survive production. Core banking modernisation that doesn't require a 12-month programme. Senior engineers who understand the regulatory context — not just the code.
£600/day · Fixed-price project scoping available · FCA-aware delivery
£600
Per day — vs £650-1,000/day London FinTech agencies
4
Consumer Duty outcomes we engineer evidence for
SOC2
Type II compliant delivery practices
10+
FinTech prototypes across payments, lending & Open Banking
Sound familiar?
⚖️
The FCA's Consumer Duty came into force in July 2023. Your products must demonstrably deliver good outcomes for retail customers — across four outcomes: products & services, price & value, consumer understanding, consumer support. Firms that aren't engineering evidence of those outcomes are walking toward enforcement.
🏦
Your monolithic core processes every transaction but can't expose a clean API, can't be deployed without a CAB meeting, and costs £400K/year to maintain. Every new product is a workaround bolted onto infrastructure your current team is afraid to touch.
🔗
TrueLayer, Yapily, Plaid — they all look clean in the docs. Then you hit rate limits, consent expiry edge cases, inconsistent bank API implementations, and webhook reliability issues at 3am. Building reliable Open Banking flows takes engineers who've been there before.
🛡️
Jumio, Onfido, ComplyAdvantage — the integrations are never as straightforward as the sales demo. PEP and sanctions screening, ongoing monitoring, SAR workflows, and the cascade of edge cases that hit production on day two. Compliance infrastructure needs engineering discipline, not duct tape.
How we help
01
We build the audit trails, MI reporting, and outcome monitoring infrastructure that Consumer Duty demands. Automated evidence generation, fair value assessments, and the API-level logging that makes an FCA audit survivable. Not box-ticking — engineering that actually demonstrates good outcomes.
02
TrueLayer, Yapily, Truelayer, Stripe Treasury, GoCardless — we've built production payment flows with all of them. VaultView (our Open Banking demo prototype) demonstrates balance aggregation, payment initiation, and consent management built to production standards in under 60 hours.
03
Strangler-fig migrations from legacy monoliths. We extract domain services incrementally — payments, ledger, customer data — without the big-bang rewrite that kills timelines. Built on event-sourced architectures that give you the audit history regulators expect.
04
KYCShield (our identity verification prototype) demonstrates end-to-end onboarding: document verification via Onfido, PEP/sanctions screening via ComplyAdvantage, ongoing monitoring, and SAR workflow tooling. We build the compliance plumbing so your product team can ship.
Proof of work
VaultView
55hOpen Banking dashboard — balance aggregation, payment initiation, consent management via TrueLayer
SpendPulse
58hAI expense categorisation with receipt OCR, multi-currency reconciliation, and Xero/QuickBooks sync
KYCShield
52hFull onboarding flow: document verification (Onfido), PEP/sanctions screening (ComplyAdvantage), SAR workflow
PayStream
60hMulti-PSP payment orchestration with intelligent routing, retry logic, and reconciliation dashboard
Pricing
Senior engineers with regulatory context. Fixed-price project scoping available so you know the cost before you sign anything.
Ready to start?
Tell us about your compliance requirement, your integration challenge, or the system you need to modernise. We'll respond with a concrete technical approach within 24 hours.
Typical response within 24 hours · No sales pressure