AI & Software Development for UK Fintech & Banking

You do, or the authorised partner you work with, such as a bank or e-money institution that provides accounts and cards under its own permissions. We are a software supplier, not the regulated firm: the regulated firm stays accountable for the service and oversees us as a supplier, and we build to its requirements and give it the evidence it needs.

Yes. Most firms connect through an authorised Open Banking provider rather than holding AISP or PISP permissions themselves. We integrate the provider’s APIs for account data and pay-by-bank payments, design the consent, reconnection and failed-payment journeys, and keep that layer separate so adding providers or Open Finance data later is a contained change.

By keeping card data away from your systems: payment fields hosted by your provider, such as Stripe, and tokens stored instead of card numbers. That keeps your PCI DSS scope as small as it can be. Your acquirer or QSA confirms which assessment applies — we give them the technical detail.

Yes. We integrate identity and screening providers for document, liveness, address and sanctions checks, and use the Companies House API to pull company, officer and PSC data for business customers. Your MLRO sets the risk rules; the software applies them consistently and stores the evidence against each customer.

It shapes design decisions: clear fees and terms, no unnecessary barriers to cancelling, complaining or switching, and support for customers in vulnerable circumstances. We also build the outcomes data and reporting you need to monitor and evidence all of that. Whether outcomes are good enough is judged by your board and compliance team.

Yes, for bounded tasks with human oversight: reading documents, triaging alerts, classifying complaints and drafting replies. We avoid fully automated decisions with significant effects on customers, such as declining credit, unless your firm has designed the safeguards UK data protection law requires — and we log inputs and outputs so every result can be explained.

Yes. Tell us at the start what your outsourcing and operational resilience policies require from a supplier, and we will say plainly what we can provide and what we cannot. Because you own the code, IP, documentation and cloud accounts, exit is simpler: the product stays with you if the relationship ends.

It depends on scope, integrations and the evidence your compliance team needs. A discovery sprint starts from £2,000; the first release is then quoted as a fixed-price project with milestone billing. Provider fees — identity checks, Open Banking, card issuing — are separate running costs, and we estimate them up front.