Financial Services & Credit Technology
Building financial technology requires a different level of rigor than typical software. Compliance isn't optional, data security is non-negotiable, and every decision needs an audit trail. We've built production fintech systems from the ground up — credit analysis platforms, automated underwriting pipelines, KYC workflows, and secure document portals — all designed to meet GLBA, FCRA, SOC 2, and GDPR requirements from day one.
Ready to Get Started?
Start transforming your business with our financial services & credit technology solutions today.
- Free initial consultation
- Custom solution design
- ROI-focused approach
Capabilities
Platforms We Build On
Perfect For
- Private lenders and hard money lenders
- Credit unions and community banks
- Mortgage brokers and originators
- Fintech startups building credit products
- Accounting firms offering financial analysis
- Business loan companies
- Property management companies (tenant screening)
- Any company that extends credit or manages financial risk
Key Benefits
Days to Minutes on Underwriting
Automated pipelines replace 3-7 day manual reviews. Applicants get decisions in minutes. Drop-off rates fall dramatically.
Compliance Built In, Not Bolted On
GLBA, FCRA, SOC 2, GDPR — we design systems with regulatory requirements from the architecture level, not as an afterthought.
Fraud Detection at Scale
Synthetic identity detection, document anomaly analysis, and behavioral signals catch fraud that manual review misses entirely.
Real Data, Real Decisions
Bank transaction history, payroll data, and alternative income sources give a complete picture of creditworthiness — not just a FICO score.
Enterprise-Grade Quality
Built on 20+ years of experience with global enterprises like Nestlé, Bradesco, and BTG Pactual. Every solution follows industry best practices for security, scalability, and maintainability.
Real Results with Financial Services & Credit Technology
The Challenge
Manual underwriting took 3-5 days per application. Analysts were manually reviewing bank statements and cross-referencing multiple systems. High error rate, compliance gaps, and no audit trail.
Our Solution
Built a full credit analysis platform: Plaid integration for real-time bank data, AI-powered statement analysis with AWS Bedrock, automated KYC with Onfido, fraud detection layer, and an underwriter dashboard with full audit trail. HIPAA, SOC 2, GLBA, and GDPR compliant from day one.
The Results
- Underwriting time reduced from 5 days to under 2 hours
- 100% audit trail for every application and decision
- Fraud detection flagged 12% of applications as high-risk (previously uncaught)
- Full regulatory compliance — SOC 2, GLBA, FCRA, GDPR
Common Questions About Financial Services & Credit Technology
We build with GLBA (data privacy for financial institutions), FCRA (credit reporting requirements), SOC 2 (security controls), and GDPR (if applicable). This includes encrypted storage, access controls, immutable audit logs, and automated adverse action notice generation.
Yes — we have deep experience with Plaid's full product suite: Plaid Link, Transactions, Income, Assets, Auth, Balance, Identity, Liabilities, Signal, and Monitor. We handle the integration, OAuth flows, and data pipeline.
Yes. We build ML-based scoring models using cash flow patterns, employment stability, income regularity, and alternative data sources — not just traditional bureau scores. Particularly useful for thin-file borrowers or non-traditional income.
All data is encrypted in transit and at rest (AES-256). We use AWS infrastructure with SOC 2 compliant services, strict role-based access controls, and immutable audit logs. We can sign BAAs and data processing agreements as required.
Yes. We integrate with Onfido, Persona, or Jumio for ID verification and liveness detection. AML screening runs against OFAC, UN, EU, and HMT sanction lists plus PEP databases via ComplyAdvantage — automatically and continuously.
MVP with core underwriting and Plaid integration: 8-12 weeks. Full platform with KYC, fraud detection, loan servicing, and compliance reporting: 16-24 weeks. We work in sprints with working software at every stage.
Ready to Start Your Project?
Let's discuss how we can transform your business with intelligent automation and custom software solutions.
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