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.
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Talk to a fintech expert →NovaPay: pasarela de pagos para marketplace
Cómo ayudamos a un marketplace B2B a procesar mas de 12M euros mensuales con una pasarela de pagos propia, cumpliendo PSD2 y PCI-DSS desde el día uno.
El reto
NovaPay necesitaba una pasarela de pagos qué soportara split payments entre vendedores y compradores de su marketplace B2B, con liquidaciones automáticas, gestión de disputas y cumplimiento PSD2 SCA. Su solución anterior tenía una tasa de abandono del 18% en checkout y no soportaba pagos recurrentes.
Nuestra solución
Diseñamos una arquitectura de microservicios con event sourcing para garantizar trazabilidad total de cada transaccion. Implementamos un motor de reglas para routing inteligente de pagos entre Stripe Connect y Adyen, seleccionando automaticamente el procesador con mejor tasa de aceptacion según pais y metodo de pago. El checkout fue optimizado con 3D Secure 2.0 frictionless y tokenización de tarjetas para pagos recurrentes one-click.
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.