FinTech

Financial software built to be audited.

We build wallets, lending tools, KYC flows and finance dashboards for fintechs, lenders and financial institutions. Security, access control and audit trails are part of the first design, not added later.

Industry challenges

The problems we hear most often.

We understand the obstacles you face and have practical ways to remove them.

  1. 01

    Payments across many rails

    Customers expect to pay by JazzCash, Easypaisa, Raast, cards and bank transfer. Each rail has its own integration, settlement timing and failure cases.

  2. 02

    Onboarding that loses customers

    Long forms, manual document checks and slow identity verification push applicants to give up before their account is open.

  3. 03

    Regulatory expectations

    SBP regulations shape how onboarding, data handling and outsourcing must work. Adding compliance late is slow and expensive.

  4. 04

    Reconciliation and reporting

    Finance teams spend days matching transactions across gateways, banks and internal ledgers, and still find gaps at month end.

Our solutions

What we build for FinTech.

Tailored software designed around your workflows, your customers and the results you need.

Payments and wallets

Payment flows, wallets and collection tools that handle retries, refunds and settlement cleanly.

  • JazzCash and Easypaisa integrations
  • Raast and 1LINK integration support
  • Card payment gateway integration
  • Double-entry transaction ledgers
  • Automated reconciliation and settlement
  • Refunds, reversals and dispute handling

Digital onboarding and KYC

Onboarding journeys that verify identity quickly and keep a clear record of every check.

  • NADRA verification integration
  • CNIC capture and OCR
  • Liveness and selfie matching
  • Risk-based customer tiers
  • AML and sanctions screening
  • Maker-checker approval flows

Lending and finance operations

Loan origination, collection and reporting tools that give credit and finance teams one accurate view.

  • Loan origination and decisioning
  • Repayment schedules and reminders
  • Collection and recovery workflows
  • Credit scoring with alternative data
  • Finance dashboards and MIS reports
  • Regulatory report exports

Technology stack

Proven tools, chosen for the job.

We pick technology for your needs and your team, not for the trend. These are the tools we reach for most often here.

Frontend & mobile

  • React
  • Next.js
  • React Native
  • Flutter
  • TypeScript
  • Kotlin

Backend & data

  • Node.js
  • Spring Boot
  • Python
  • PostgreSQL
  • Redis
  • Apache Kafka

Security

  • HashiCorp Vault
  • Keycloak
  • AWS KMS
  • Cloudflare WAF
  • OWASP ZAP
  • Snyk

Cloud & DevOps

  • AWS
  • Docker
  • Kubernetes
  • Terraform
  • GitHub Actions
  • Grafana

Security & compliance

Built in from the first sprint.

We build to the standards banks, regulators and auditors expect, and design every system so it can be reviewed.

PCI DSS

Card data flows are designed to PCI DSS requirements, with tokenization keeping raw card numbers out of your systems.

SBP regulations

We design onboarding, data handling and access controls around applicable State Bank of Pakistan regulations and your compliance team's guidance.

OWASP ASVS

Applications are built and tested against the OWASP Application Security Verification Standard.

ISO 27001 practices

We follow ISO 27001 aligned practices for access management, change control and incident handling.

Encryption

Data is encrypted in transit with TLS and at rest with managed keys.

Audit trails

Every transaction, approval and permission change is recorded in tamper-evident logs.

FAQs

FinTech: common questions

Something else on your mind? Ask us directly.

Can you integrate JazzCash, Easypaisa and Raast?

Yes. We integrate with their merchant and payment APIs, and with Raast through your partner bank or payment provider. Access requires your own merchant or partner agreements.

Can you handle NADRA verification?

We integrate NADRA verification through your bank or an authorised verification provider, and build the onboarding flow around it.

Can you work with our compliance and security teams?

Yes. We share architecture and data flow documents early, support penetration tests and security reviews, and fix findings before launch.

Ready to build for FinTech?

Tell us about your challenges. We'll come back with a clear plan, timeline and quote.