Financial Services
What financial services operators are wrestling with
Legacy core systems constrain product velocity
Decades-old core banking and policy administration platforms cannot keep pace with digital channels, embedded finance partners or real-time settlement expectations.
Fragmented customer data across lines of business
Retail, wealth, and commercial books each hold their own customer truth — eroding KYC quality, cross-sell economics and regulatory reporting integrity.
Resilience and operational risk under board scrutiny
PRA, FCA and equivalent regulators expect demonstrable operational resilience — including impact tolerances, mapped third-party dependencies and tested recovery.
Talent gravity around legacy stacks
COBOL, mainframe and bespoke Java estates depend on a shrinking pool of engineers, increasing key-person risk and slowing modernisation.
Frameworks shaping the engineering bar
Named standards we treat as first-class constraints — not after-the-fact compliance theatre.
- PRA SS1/21 — Operational ResilienceUnited Kingdom
Important business services mapped, impact tolerances set, vulnerabilities remediated, and scenarios tested annually.
- DORA — Digital Operational Resilience ActEuropean Union
ICT risk management, incident reporting, resilience testing and third-party oversight for financial entities operating in the EU.
- FCA Consumer DutyUnited Kingdom
Outcomes-based standards for retail products, communications, customer service and price-value across the product lifecycle.
- MiFID II / MiFIREuropean Union
Transaction reporting, best execution, market data and investor protection obligations for investment firms and trading venues.
- Basel III / Basel IVGlobal
Capital, liquidity and leverage requirements with extensive data quality and risk-modelling obligations.
How we modernise financial services estates
- 01
Core decoupling and event-driven banking
Strangle legacy cores by exposing capabilities as APIs, layering event streams for real-time integration with channels, payments and analytics.
- 02
Cloud-resident risk and finance platforms
Migrate risk, treasury and finance computation to elastic cloud platforms with governed data and explainable model outputs.
- 03
Data mesh for regulated reporting
Domain-owned data products with contract-tested interfaces — engineered for traceable regulatory reporting and BCBS 239 alignment.
- 04
Customer platforms with embedded compliance
Onboarding, KYC, AML and consent woven into the product experience rather than bolted on as downstream gates.
Risks we surface upfront
Transformation carries real exposure. We name it before kickoff so it can be engineered around.
Cutover impact on payment rails
criticalMigration windows must protect ISO 20022 message flows, end-of-day reconciliation and clearing settlement timelines.
Model drift in cloud-resident risk engines
highWithout disciplined MLOps, risk and pricing models can drift, eroding regulatory model governance attestations.
Data residency and cross-border processing
mediumCloud architectures must respect Schrems II, local data sovereignty rules and intra-group transfer constraints.
How we deliver in Financial Services
Engineering, consulting and managed-operations practices we deploy inside this vertical.
Financial Services outcomes
Selected engagements where we shipped measurable change inside financial services.
Have a financial services program in motion?
Walk us through your constraints. We will scope a team, an architecture, and a timeline within one working week.