Software for Financial Services
Financial software is judged on whether the numbers reconcile and whether you can prove what happened. That makes auditability and correctness architectural decisions rather than features added later.
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Constraints specific to finance
The problems that shape software here, and that generic engineering tends to discover late.
Money must never be approximately right
Floating-point arithmetic has no place in a ledger. Currency handling, rounding rules and precision have to be decided explicitly and enforced at the data layer, not left to whichever language the service is written in.
Every state change needs a provable history
Regulators and auditors ask what a balance was on a given date and why it changed. Systems that overwrite state cannot answer that, which is why append-only event models tend to win in this sector.
Reconciliation across systems that disagree
Payment processors, core banking, accounting and internal ledgers all hold a version of the truth, and they drift. Reconciliation logic and break reporting are core functionality, not a back-office afterthought.
Integration with infrastructure you don't control
Banking rails, card networks and market data feeds each have their own uptime, latency and failure behaviour. The architecture has to degrade sensibly when one of them is unavailable.
Software we build for finance
Ledger and transaction systems
Double-entry ledgers with exact decimal arithmetic, idempotent posting and a full audit trail of every movement.
Payment integration
Card, bank transfer and wallet integrations with proper handling of asynchronous settlement, retries, partial failures and chargeback flows.
Regulatory and management reporting
Reporting pipelines where every figure traces back to source records, so a challenged number can be evidenced rather than recalculated.
Client portals and onboarding
Account opening, identity verification workflows, document handling and self-service interfaces built around the checks the process actually requires.
Standards that apply to software in this sector
What the software has to be built to satisfy. Which of these apply to you depends on your jurisdiction, your data and your customers.
[ 01 ]
Payment data
- PCI DSS
[ 02 ]
Personal data
- GDPR
- CCPA
[ 03 ]
Financial reporting
- SOX
- IFRS / GAAP alignment
[ 04 ]
Customer due diligence
- KYC
- AML
[ 05 ]
Open banking (UK/EU)
- PSD2
- Strong Customer Authentication
[ 06 ]
Service assurance
- SOC 2
- ISO/IEC 27001
These are the standards we design and build to meet. Certification or attestation of your organisation is a separate exercise, carried out by a qualified assessor — we can support that process with documentation and evidence, but we do not certify it.
Tell us what has to reconcile
Discuss a finance projectHow we'd approach it
The service lines this sector most often needs.
Custom Software Development
Bespoke systems shaped around your operations, integrated with the tools and data you already run on.
Web Application Development
Scalable web applications on modern frameworks, engineered for first-load performance and sustained load.
Data Analytics & Engineering
Pipelines, warehousing and reporting built so the numbers reconcile and people act on them.
Cloud & DevOps
Migration, deployment automation and infrastructure on AWS, Azure and Google Cloud, built to be operated.
Projects in this space
Insurance & Financial Services
Everdays
A digital life insurance platform and iOS planning app, rated 4.6 across 991 App Store reviews.
- 4.6
- App Store rating across 991 reviews
- ~90%
- Of applicants qualify, often within minutes
- $200B
- In total assets backing policies across partner carriers
Fintech
SPARE
A fintech network turning retail points of sale into cash access points, built end to end.
Financial Services, Investment Research and Market Analysis
Global Macro Investor
A subscription research platform delivering macroeconomic analysis to investors and financial professionals.
- 4.8
- Average subscriber satisfaction rating
- 15,000+
- Reports accessed by subscribers monthly
- 65%
- Engagement rate in live webinars and discussions
Finance: common questions
Something specific to your operation?
Send it over — sector questions are the ones we most like getting.
Ask us01
How do you handle currency and rounding?
With exact decimal types rather than floating point, and with rounding rules defined once at the domain level rather than per-calculation. The specific rule depends on jurisdiction and instrument — it is a decision to make deliberately at design time, because retrofitting it means reprocessing history.
02
Can you build to PCI DSS requirements?
We build systems designed to meet PCI DSS requirements, and the most common architectural answer is to keep card data out of your environment entirely — using a tokenising provider so the sensitive data never lands in systems you would otherwise have to bring into scope. Certification of your organisation is a separate assessment carried out by a QSA.
03
How do you approach audit trails?
By treating history as immutable. Rather than updating a record and losing its previous state, the system appends events and derives the current view from them, which means any historical position can be reconstructed and explained rather than asserted.
04
Do you work with existing core banking or accounting systems?
Yes, and it is the usual situation. Integration happens through whatever the incumbent exposes — APIs, message queues, or scheduled file exchange where that is genuinely all there is — with an adapter layer so the rest of the architecture is not shaped by that system's limitations.
Adjacent sectors
Tell us what has to reconcile
Describe the flows, the systems they touch and the reporting they feed. We'll come back with an architecture opinion.
- Reply within one business day
- NDA on request