Software development for fintech that scales and complies
We build robust, secure and compliance-ready financial platforms. From neobanks and payment gateways to open banking and AI credit scoring solutions. Your fintech technology partner.
The challenges of the financial sector are unique
Regulation changes every quarter, security allows no errors and users demand instant experiences. We know each of these challenges because we have been solving them for years.
Complex regulation
PSD2, MiFID II, DORA and Bank of Spain regulations evolve constantly. You need a team that understands the technical requirements of each directive and implements them from day one.
Extreme security
Financial data is the number one target for cyberattacks. End-to-end encryption, strong SCA authentication, sensitive data tokenization and continuous penetration testing are essential.
Zero latency
A payment gateway that takes 3 seconds loses 40% of transactions. Event-driven architectures, intelligent caching and real-time processing are the standard, not the extra.
Banking integration
Connecting with legacy banking cores, SWIFT APIs, SEPA and scoring providers requires experience in financial protocols and resilient error handling with retries and circuit breakers.
What we build for fintech
From microservices architecture to user interface, we deliver complete financial products ready to scale.
Payment gateways and checkout
Integration with Stripe, Adyen, Redsys and local processors. PCI-DSS Level 1 tokenization, recurring subscription management, split payments for marketplaces and automatic reconciliation. Checkout conversion rate optimization with continuous A/B testing.
Neobank and BaaS platforms
Digital banking core development on BaaS (Banking-as-a-Service) infrastructure. Digital KYC onboarding with biometric identity verification, account opening in minutes, virtual and physical card issuance, and personal financial management dashboards with intelligent categorization.
AI credit scoring
Machine learning models for real-time credit risk assessment. Alternative data analysis (transactions, digital behavior, open data) to expand credit access. Decision explainability compliant with EU AI regulation and algorithmic bias monitoring.
Open banking and aggregation
Connection with PSD2 APIs from over 30 Spanish and European banks. Multi-entity account aggregation, payment initiation, transaction enrichment with NLP categorization and personalized financial insights for end users and B2B analysis.
Need a fintech technology partner?
Talk to a fintech expert →NovaPay: Zahlungsgateway für einen Marketplace
Wie wir einem B2B-Marketplace geholfen haben, über 12 Mio. Euro pro Monat mit einem eigenen Zahlungsgateway zu verarbeiten — konform mit PSD2 und PCI-DSS vom ersten Tag an.
Die Herausforderung
NovaPay benötigte ein Zahlungsgateway, das Split Payments zwischen Verkäufern und Käufern seines B2B-Marketplace unterstützt — mit automatischen Auszahlungen, Streitfallmanagement und PSD2-SCA-Konformität. Die vorherige Lösung hatte eine Abbruchrate von 18% im Checkout und unterstützte keine wiederkehrenden Zahlungen.
Unsere Lösung
Wir entwarfen eine Microservices-Architektur mit Event Sourcing, um die vollständige Nachverfolgbarkeit jeder Transaktion zu garantieren. Wir implementierten eine Rules Engine für intelligentes Payment-Routing zwischen Stripe Connect und Adyen, die je nach Land und Zahlungsmethode automatisch den Prozessor mit der besten Akzeptanzrate auswählt. Der Checkout wurde mit reibungslosem 3D Secure 2.0 und Kartentokenisierung für wiederkehrende One-Click-Zahlungen optimiert.
Regulatory compliance from the architecture
We don't add compliance as a patch. We integrate it into every design decision, every data flow and every line of code. These are the regulations we master.
PSD2 and SCA
Implementation of Strong Customer Authentication (SCA) compliant with the Payment Services Directive. 3D Secure 2.0 flows, TRA exemptions and SCA delegation.
PCI-DSS
Architectures that meet the 12 requirements of the Payment Card Industry Data Security Standard. Network segmentation, card data encryption, key management and access logging.
KYC / AML
Digital identity verification processes (eIDAS), screening against sanctions lists and PEPs, suspicious transaction monitoring and automatic reporting.
Financial GDPR
Granular consent management, right to be forgotten compatible with financial data retention obligations, DPIAs and encryption of personal data at rest and in transit.
DORA
Preparation for the Digital Operational Resilience Act. Resilience testing, third-party ICT risk management, contingency plans and incident reporting.
AI Act (High Risk)
Credit scoring systems classified as high risk under the European AI Regulation. Model explainability, bias monitoring, technical documentation and human supervision.
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Let's build the future of financial services together
From neobanks to lending platforms to open banking solutions. We help you launch your fintech product in compliance with all regulation from the first sprint.