01 · The challenge
A nightly reconciliation batch that surfaces breaks twelve hours after they happen.
How we answer it
Continuous reconciliation against the ledger, alerting within minutes of a mismatch, with the position always queryable.
Financial Services
Move money at speed, prove it afterwards.
We build payment, lending and wealth systems where correctness is not negotiable and the audit trail is a first-class feature.
- PCI DSS experience
- Idempotent by design
- Reconciled to the cent
The sector
Correctness is the product
In most software, an inconsistent state is a bug. In financial software it is a reconciliation break, a regulatory report and a phone call from a customer whose rent did not clear.
We build for that reality: idempotent operations, event-sourced ledgers where the history matters, and reconciliation running continuously rather than in a nightly batch that someone checks on Monday.
- Ledger-first architecture
- Idempotency across every money path
- Continuous reconciliation
- Evidence generated, not assembled
Sub-sectors we serve
- Payments
- Lending
- Wealth management
- Insurance
- Embedded finance
Regulation we build to
- PCI DSS
- SOC 2 Type II
- PSD2 / SCA
- GDPR
- ISO 27001
Payment path availability
Sustained across peak retail periods
Unreconciled breaks
On platforms we have taken to production
Where we help
What we build in financial services
Payment platforms
Authorisation, capture, settlement and refunds with idempotency and reconciliation designed in from the first commit.
- Card + account-to-account
- Ledger design
- Settlement reconciliation
Lending systems
Origination and servicing workflows where decisions are explainable and every state change is recorded.
- Decision audit trails
- Servicing workflows
- Collections
Risk and fraud
Real-time scoring that meets latency budgets without becoming a black box the dispute team cannot explain.
- Real-time scoring
- Case management
- Explainable decisions
Regulatory reporting
Reports generated from the same modelled data the business runs on, so figures reconcile by construction.
- Reporting pipelines
- Data lineage
- Submission workflows
Core modernisation
Incremental migration off systems that cannot be switched off, with dual-running and reconciliation throughout.
- Strangler migration
- Dual-run reconciliation
- Phased decommissioning
What the sector is dealing with
02 · The challenge
Regulatory reports assembled by hand each quarter from three sources that disagree.
How we answer it
Reports generated from the modelled warehouse with column-level lineage, so a challenged figure is traceable to source in one click.
03 · The challenge
A core system that no vendor will extend and no team wants to touch.
How we answer it
A strangler facade lets new capability ship immediately while the legacy footprint shrinks release by release.
04 · The challenge
Fraud models that block good customers and cannot explain why.
How we answer it
Explainability and segment-level performance testing built into the model pipeline, with a review path for contested decisions.
Stack
Technologies we use here
Also relevant
Services we bring to this sector
FAQ
Questions we are asked
Yes. Our delivery model adapts to change advisory boards and release windows — the trunk-based approach still works, the flags simply gate on approval rather than on our judgement.
Talk to someone who has shipped a ledger
Bring the problem your last vendor called impossible.