Digital Banking
Built for Compliance & Growth.

Yes. We work with FCA and PRA-regulated institutions — retail banks, building societies, investment firms, and insurance companies — and have delivered technology programmes that have passed regulatory review and FCA supervisory examination. We understand the change management requirements — Senior Manager Accountability, operational resilience testing, critical outsourcing notifications — and structure our engagements with the governance documentation your compliance and risk functions require. We can work as a technology supplier under your TPRM framework or help you design the TPRM controls for our engagement.

We distinguish between compliance-minimum open banking and strategic open banking. Compliance-minimum means building the AISP/PISP APIs required by the regulation, with a basic TPP registration journey. Strategic open banking means building a genuine developer platform — sandbox environment, comprehensive documentation, onboarding workflow, API analytics, and commercial use case support — that makes your institution a preferred API provider for fintechs and third parties. Both start with the same technical foundation but the strategic approach delivers commercial return on the compliance investment. We have delivered both approaches and can advise on which is appropriate for your institution.

Yes. DORA (Digital Operational Resilience Act) became effective January 2025 and applies to EU financial institutions and their ICT third-party service providers. We help institutions build the five DORA pillars: ICT risk management framework, ICT incident classification and reporting, digital operational resilience testing (including TLPT for significant institutions), ICT third-party risk management register and oversight programme, and information sharing arrangements. We work with your CRO, CISO, and technology risk function to build practical compliance rather than paper-based programmes.

Yes. We build ML-based fraud detection systems for card fraud, payment fraud (push payment / APP fraud), account takeover, and first-party fraud. Our approach starts with your existing transaction data — profiling the fraud patterns your institution faces — before selecting and training models. We integrate fraud scoring into real-time payment authorisation flows (Kafka, streaming) with configurable thresholds and manual review workflows for high-risk alerts. We also help reduce false positive rates on existing rule-based fraud systems through statistical threshold analysis and ML-assisted alert scoring.

Yes. We have integration experience with Temenos (T24/Transact), Finastra (Fusion), Thought Machine (Vault), Oracle FLEXCUBE, and Mambu. Our work typically involves building the integration layer between core banking and surrounding systems — CRM, open banking APIs, digital channels, data warehouses, and regulatory reporting — rather than direct core banking configuration, which requires vendor-accredited specialists. For core banking modernisation programmes, we design the integration architecture and data migration strategy that makes the new core accessible to the surrounding application ecosystem.