Ten specialist practices for regulated fintech.
Three groups, ten practices, one team. Most engagements combine two or three — a lending product with a credit broking front end and a regtech-grade KYC layer underneath, say. Pick a practice to see how we build it.
Moving money across regulated rails, with the ledger and reconciliation that survives audit.
Payments
Day-one demos pass; month-end is where payments fail. We build acquiring, payouts and reconciliation for the FCA’s 2026 safeguarding regime. UK · US · Canada
02Open banking
Works in the demo, breaks under volume. We build AIS, PIS and VRP on TrueLayer and Plaid, with consent renewal and affordability that hold. UK · US · Canada
03Banking-as-a-Service
Your BaaS provider hands you a sandbox; production you build. We build programme management and customer-funds-location ledgers on Modulr and Moorwand. UK · US
Originate, decide, service and report — for consumer, SME and BNPL credit programmes.
Lending
The application form is easy; downstream is where lending fails. We build decisioning, affordability and collections that survive FCA review. UK · US · Canada
05Credit broking
Most broker platforms predate Consumer Duty — the next FCA review finds that. We build multi-lender journeys, vulnerability flagging and DISP-ready MI. UK
06Credit bureaus
Pulling bureau data is the easy 20%; normalising is the 80%. We integrate Experian, Equifax and TransUnion to one schema, with CAIS reporting. UK · US · Canada
07Decision engines
When decisioning is a 200-line script no one dares touch, we replace it — explainable engines with GDPR Art. 22 records, ready for the EU AI Act. UK · US
The platform layer that earns trust: regtech, compliance engineering, and the journeys that bring the customers in.
Regulatory technology
RegTech vendors get you 60%. We build the 40% you need — KYC orchestration, AML monitoring and audit evidence FinCEN and the FCA accept. UK · US · Canada
09Compliance & risk
Compliance costs 3x when retrofitted. We build RBAC, immutable logs and data residency from day one — SOC 2 and OSFI B-13 as a query, not a project. UK · US
10Lead generation
Apple ITP and Consent Mode v2 quietly broke your attribution. We rebuild lead-gen with server-side tracking, real-time lender APIs and pricing. UK · US · Canada
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