AI in fintech that runs the checks your team still does by hand.

Proof

• 01

  KYC and customer onboarding
  Automated KYC and AML onboarding pipelines triggered from application submission. Identity document verification uses OCR extraction to read passport, driving license, and national ID data, followed by liveness check and document authenticity verification, built on identity tooling like Onfido and Jumio. Sanctions screening checks applicant data against OFAC SDN, UK HMT, EU Consolidated, and UN Security Council lists, with PEP and adverse media checks drawing on Dow Jones Risk and Compliance data. Straight-through approval clears low-risk profiles without human review. We set the threshold that separates an automatic approve from a manual-review handoff with your compliance team, so the share of applications that clear on their own is a calibration decision you own, not a number we promise up front.
• 02

  Transaction processing
  Automated transaction processing pipelines that handle the full payment lifecycle from initiation to settlement. ACH files generate in NACHA format with correct Standard Entry Class codes; SWIFT MT101/MT103 messages handle cross-border payment instructions, with ISO 20022 support for the migration. Return and exception handling routes failed, returned, or queried transactions to a resolution queue with the failure code and suggested remediation, instead of a manual investigation.
• 03

  Financial reconciliation
  Automated reconciliation matching transactions across your general ledger, bank statement feeds, and payment processor settlement records, using bank data connectivity through Plaid or Finicity and statement formats like BAI2. We can run it against a double-entry ledger where every movement posts as a balanced debit and credit, so the books never drift out of balance and each entry traces back to its source event. Three-way match reconciliation confirms the internal ledger entry, the bank statement transaction, and the processor settlement record agree on amount, value date, and reference. Breaks are classified by cause, timing difference, missing leg, amount mismatch, or duplicate, and routed to the exception queue with the suspected reason attached. The bulk that used to swallow finance-team days each month runs overnight, with human review focused only on the exception list.
• 04

  Regulatory reporting
  Automated assembly of regulatory submissions from your transaction, customer, and risk system data. FCA Gabriel/RegData submissions, MAS Form 5 returns, and CBI regulatory returns assemble automatically against the relevant reporting template. AML transaction monitoring reports pull flagged transactions, enrich them with customer risk profile data, and format them for SAR/STR submission to your jurisdiction's Financial Intelligence Unit.
• 05

  Fraud detection and scoring
  Fraud scoring integrated into your transaction processing and onboarding workflows, trained on your historical fraud patterns rather than a generic industry model. Real-time scoring runs on each transaction at authorization; batch scoring runs overnight on account-level behavioral patterns for account takeover detection. Risk scores route to your fraud team dashboard with the model's feature contribution surfaced alongside the transaction context.
• 06

  Lending and credit workflow automation
  Automated credit decisioning pipelines for consumer and SME lending, from application submission to approved disbursement without manual processing for standard cases, with bureau data from Experian, Equifax, and TransUnion. Affordability assessment applies your underwriting criteria against bureau tradelines and open banking income verification. Approved applications trigger automated disbursement; declined applications generate compliant adverse action notices with the required FCRA reason codes.

1. Week 1
   01

   Audit and scope

   We map your highest-cost manual processes, measure the volume and frequency, and identify the automation candidates with the clearest ROI. You leave week 1 with a written scope document and a fixed-price quote.

2. Weeks 2-3
   02

   Design and architecture

   We design the integration approach, data flow, compliance controls, and business rule logic before writing a line of code. The spec is locked before the build starts.

3. Weeks 4-12
   03

   Build, integrate, and QA

   Working automation at a staging environment by the end of sprint one. Bi-weekly demos. Integration with your core banking, payment, or CRM system is scoped and tested throughout.

4. Weeks 12+
   04

   Launch and post-launch support

   Production deployment with monitoring activated on launch day. 8 weeks of post-launch support included in every project. Exception queues and alerting are configured before handoff.

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