FinTech & banking

Financial software, without the swagger

FinTech is a great sector to build in because the stakes are visible on the first day. Money moves, regulators watch, customers notice. It’s a bad sector to build in the usual agency way — move-fast-and-break-things breaks your client’s ASIC filing. We build for the slow-and-serious end of the stack.

What we typically deliver

• Banking workflow automation — underwriting triage, decisioning, document generation, call-centre assist. Auditable, reversible, traceable.
• KYC / AML with real audit trails — integrations with Frankie, GreenID, Sumsub; case-manager consoles that compliance officers actually enjoy using.
• Payments infrastructure — Stripe, Airwallex, Tyro, Zai; reconciliation, chargeback handling, multi-currency; PCI-DSS-aware architecture.
• Data analytics for financial ops — reconciliation dashboards, fraud signal engineering, regulatory reporting.

What’s new in 2026

Open Banking in Australia has matured from “technically possible” to “actually useful” — we build CDR-consumer and CDR-data-holder integrations. Generative AI in banking has moved past marketing (“our chatbot is now AI”) into real ops use: draft-generation for complex correspondence, policy-aware underwriting co-pilots, fraud narrative writing. We’re building all three for different clients right now.

The regulators we build for (and around)

APRA (particularly CPS 234 for information security), ASIC (for consumer-facing product disclosures), AUSTRAC (AML/CTF program support), the ACCC under the CDR regime, and the OAIC for privacy. If you sit in all five — and most serious Australian FinTech does — we’ve mapped the control surfaces before.

What we won’t do

We won’t build decisioning systems without explicit human review paths. We won’t ship unaudited models into credit or insurance decisioning. We won’t use real customer data in lower environments. Belt, braces, and a second belt.