About Pametan

Built by people who’ve launched regulated software, for people doing it next.

We started Pametan because agencies at many fintechs were either generalists trying to learn on your dime, or specialists who couldn’t actually ship. We do both — a senior, fintech-and-regtech-only team that takes products from whiteboard to regulator.

→ Founded

Started as a one-person consultancy in 2022.

Helping a leading credit builder and lender productionise their entire stack — and we never stopped.

→ Three jurisdictions

FCA, CFPB and FCAC.

We’ve shipped under all three regulators. Whatever rulebook your audit will look at first, our team has read the chapter.

→ One specialism

Every engagement is fintech or regtech.

We turn down work that would dilute our expertise. That’s the whole point.

01 — How we work

Six principles we won’t break.

These are the rules our delivery teams operate under — printed on the wall in every studio, restated at every kickoff, and used as a tiebreaker when the schedule gets tight.

Senior by default

No juniors hidden in the day rate. Every Pametan engineer has shipped at least one regulated financial product end-to-end.

Audit-aware from week one

RBAC, immutable logs, segregation of duties and reproducible deploys are scaffolded before the first feature merges.

Smallest team that fits

We size to the problem, not the budget. A pod of three good engineers will outperform a vendor of nine every time.

Plain numbers

Estimates come with confidence ranges and a list of what we don’t yet know. No scope-creep change-orders disguised as discovery.

Embed, don’t fortress

Your engineers commit to our repos. Ours sit in your standups. Knowledge transfers as the project does — not at the end.

Leave it better

We hand over docs, runbooks and tests that your in-house team can build on without us. We measure success by what works after we’re gone.

02 — Leadership

The founder you’ll meet on day one.

No relationship managers between you and the team building your software. Adam sits on every kickoff and every weekly review for the lifetime of the engagement.

→ Founder & CEO

A. Murray

Adam Murray

15+ years C-Level Tech · Product · Ops

Fifteen years building and scaling cross-functional product, technology and operations teams — across fintech, AI, martech, sportstech and gametech.

I’ve taken products from whiteboard sketch to paying customers, and run the P&L, the infrastructure bill, and the distributed team that built them. Squads from three engineers to thirty-plus.

In the last three years the remit has widened past tech and product into full operational ownership — partnerships, regulatory work, business processes, organisational design.

The combination I bring to Pametan: technical fluency deep enough to sit in a code review, and the commercial discipline to keep a regulated business running while the product ships.

→ Sector experience

AI / MLFinTechMarTechSportsTechGameTech

03 — Regulatory experience

Three regulators. One delivery team.

We’ve built and shipped under FCA (UK), CFPB / state regulators (US) and FCAC / OSFI (Canada). The engineers writing your code have read the rulebook.

United Kingdom

FCA, including CONC for consumer credit, PSRs for payments, FSMA, GDPR, Consumer Duty and complaint handling under DISP.

United States

CFPB, Truth-in-Lending, ECOA, Reg E, BSA / AML, plus state-by-state lending and money transmission requirements.

Canada

FCAC, OSFI guidance, FINTRAC AML, Retail Payment Activities Act, Quebec privacy (Law 25) and provincial consumer credit rules.

Want to talk through a build?

Tell us a little about your product and the regulator you’ll answer to. We’ll come back with a credible plan inside a week.

Get in touch →See services