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Primary Focus

Financial Services & FinTech

Where Milliseconds Matter and Downtime Isn't an Option

In financial services, software failures aren't measured in user complaints — they're measured in money lost, trust destroyed, and regulators knocking. Our team has built systems where every transaction must be accurate, every audit trail complete, every failover instant.

PCI-DSS Compliant
Real-time Processing
Audit-Ready Code
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20+
Systems Built
99.9%
Uptime
5+
Years Experience
14
Specialists

What We've Built:

Payment PlatformsFraud DetectionOpen Banking APIsTrading SystemsLending PlatformsCompliance Automation
The Challenge

Building FinTech Software Is
Uniquely Hard

Compliance Is Non-Negotiable

PCI-DSS, SOX, KYC/AML — one violation can mean millions in fines, lost banking partnerships, and regulatory scrutiny that never ends. Generic agencies discover these requirements mid-project.

Every Millisecond Costs Money

When a payment takes 3 seconds instead of 300ms, customers abandon. When your system is down during market hours, traders lose real money. Performance isn't a nice-to-have.

Security Failures Are Career-Ending

One breach and you're on the front page. Customer trust evaporates. Your banking partnerships disappear. Security must be architected in, not bolted on.

"In finance, 'good enough' isn't good enough. Every transaction must be accurate, every audit trail complete, every failover instant. We understand that because we've built systems where the stakes were exactly this high."
— Gautam Thapa, CEO
FinTech Capabilities

Financial Systems Our Team Has Built

Deep experience across the FinTech spectrum — from payment rails to investment platforms.

Payment Processing & Infrastructure

Systems that handle money need to be bulletproof

Payment platforms where every transaction must succeed, every failure must be recoverable, and every audit trail must be complete. Our team has built systems processing significant transaction volumes with sub-second response times.

What We Deliver

  • Real-time payment processing with sub-200ms latency
  • Multi-currency support with accurate FX handling
  • Payment gateway integrations (Stripe, Adyen, etc.)
  • Reconciliation and settlement automation
  • PCI-DSS compliant architecture from day one

Technical Approach

Queue-based architecture for reliability, idempotent operations, automatic retry with exponential backoff, comprehensive audit logging.

Fraud Detection & Risk Systems

Stop fraud before it happens

Fraud detection is a race against adversaries who adapt. We build systems that combine rules-based detection with ML-powered anomaly detection — catching known patterns while discovering new ones.

What We Deliver

  • Real-time transaction scoring
  • ML-based anomaly detection
  • Rules engine for known fraud patterns
  • Case management workflows
  • Continuous model improvement pipelines

Technical Approach

Event-driven architecture for real-time scoring, feature stores for ML, A/B testing framework for model deployment.

Open Banking & API Platforms

APIs that banks actually trust

Open banking requires APIs that are secure, compliant, and actually usable. We've implemented PSD2-compliant APIs, integrated with major banks, and built developer experiences that drive adoption.

What We Deliver

  • PSD2/Open Banking UK compliant APIs
  • Strong Customer Authentication (SCA)
  • Consent management systems
  • Bank integration connectors
  • Developer portals and documentation

Technical Approach

OAuth 2.0 / OpenID Connect, API gateway with rate limiting, comprehensive monitoring and alerting.

Lending & Investment Platforms

Platforms that power financial decisions

Lending platforms need instant decisions, accurate risk scoring, and regulatory compliance. Investment platforms need real-time data, complex calculations, and bulletproof reliability.

What We Deliver

  • Loan origination systems
  • Credit decisioning engines
  • Portfolio management platforms
  • Regulatory reporting automation
  • Customer portals and dashboards

Technical Approach

Microservices for scalability, event sourcing for audit trails, real-time data pipelines.

PCI-DSS Compliance

Compliance Is Architecture, Not Checkbox

We design for PCI-DSS from day one — minimizing scope, maximizing security, satisfying auditors.

Network Segmentation

Architecture that minimizes compliance scope through proper network design

Tokenization

Strategies that reduce PCI exposure by never storing actual card data

Audit Logging

Comprehensive logging that satisfies assessors and enables forensics

Key Management

HSM integration, key rotation, and encryption that actually works

Access Control

Role-based access with complete audit trails

Data Residency

Regional data storage (EU, US) to meet local regulations and data sovereignty requirements

Documentation

Policies, procedures, and evidence that speeds certification

Note: We build PCI-DSS Level 1 compliant systems and support you through the certification process. Certification is obtained through your QSA (Qualified Security Assessor), but we provide the architecture, documentation, and evidence that makes it achievable.

Technology Stack

FinTech-Proven Technology Stack

We choose technologies based on reliability, compliance support, and enterprise maturity — not hype.

Languages

Java/Spring BootNode.jsPython

Why: Mature ecosystems, strong typing, enterprise support

Databases

PostgreSQLRedisTimescaleDB

Why: ACID compliance, time-series, caching

Message Queues

KafkaRabbitMQ

Why: Guaranteed delivery, audit trails

Cloud

AWS (preferred)GCP

Why: Financial services compliance, HSM support

Security

VaultAWS KMSHSM

Why: Key management, secrets, encryption

Monitoring

DatadogPrometheusELK

Why: Real-time alerting, compliance logging

Tech stack flexibility: We adapt to your existing infrastructure and team expertise. These are our recommendations based on FinTech experience, but we work with what makes sense for your business.

Compliance Standards

We Speak Your Compliance Language

Our team has built systems that passed these audits and certifications.

PCI-DSS Level 1

Payment card industry data security — the gold standard for handling cardholder data

SOX Compliance

Sarbanes-Oxley financial controls and audit trails for public companies

SOC 1

Financial reporting controls for service organizations that impact client financial statements

SOC 2 Type II

Security, availability, and confidentiality controls for service organizations

GDPR

Data privacy and protection for EU customers

CCPA

California Consumer Privacy Act — data privacy rights for California residents

Open Banking

PSD2, Open Banking UK, and regional open banking standards

We don't just know the acronyms — we've built systems that passed audits, satisfied regulators, and earned certifications. We understand what auditors look for because we've been through the process.

Why Choose Us

Why ByteForever for Financial Services?

Compliance Built In

We design for PCI-DSS from architecture, not as an afterthought. Compliance is built in, not bolted on.

Performance Obsession

Sub-200ms transaction processing. 99.99% uptime architecture. Systems designed for Black Friday spikes.

Complete Audit Trails

Every transaction logged. Every access recorded. Every change tracked. Auditors love our systems.

Senior FinTech Engineers

5+ years experience each. Engineers who've built payment platforms, not just read about them.

Money-Back Guarantee

If our first sprint doesn't meet your expectations, you don't pay for it. For FinTech projects, we define success criteria upfront — compliance requirements met, performance benchmarks hit, code quality standards. If we miss them, it's on us.

Related Services

FinTech Services We Offer

AI Agents & Automation

Fraud detection automation, customer service agents, document processing

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Custom Software Development

Payment platforms, lending systems, investment portals

Learn More

Strategic Services

Technical due diligence for FinTech acquisitions, architecture review

Learn More

Frequently Asked Questions

Common questions about building financial services software.

We build PCI-DSS compliant systems, but certification is project-specific. We architect for Level 1 compliance and support you through the certification process with your QSA.
Get Started

Ready to Build FinTech Software That Scales?

Let's discuss your payment platform, fraud detection system, or lending platform. Free 30-minute strategy call — we'll review your compliance requirements, technical challenges, and whether we're the right fit.

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Or email directly: hello@byteforever.com