Fintech services breaking new ground

We design and develop complete digital products, from concept development to launch and ongoing maintenance. As your technology partner we work closely with your stakeholders, with a strong focus on delivering business value. We often work with fintech companies that need to take the next step with their technical platform to scale their operations.

In 2025, we launched a new app for Kameo, a platform where private and institutional investors can invest in loans for real estate projects across Scandinavia. Our team was responsible for both design and development, working closely with Kameo’s product owner, CTO and Head of Marketing. In addition, we developed new cross-platform features across Kameo’s service and infrastructure.

Today, signing up with many fintech companies can take several days – an unnecessarily slow and costly process. KYC is complex, but it is possible to create automated flows that make the experience fast, secure and reduce drop-off.

The risk assessments required from fintech companies involve data from multiple sources, such as address registries, credit bureaus, PEP lists and sanctions lists. The complexity increases further when expanding into new markets, where each country has its own systems and requirements.

We help fintech companies design and implement automated KYC/KYB processes that align with internal risk policies and integrate with relevant systems, such as Trapets, Creditsafe and local eID solutions.

The goal is to make as much as possible digital and automated. When manual review is required, we ensure all relevant information is gathered in one place, making the process faster and more efficient.

Identification and authentication are core components of any fintech product, where users need to verify themselves at multiple stages: when creating an account, logging in, signing transactions and so on.

We help fintech companies design and implement verification flows that balance user experience with security. In many cases, a combination of methods is optimal: national eID schemes and other digital identity solutions for identification, and passkeys or biometrics for authentication in subsequent interactions.

Across Europe, the landscape is evolving with initiatives such as eIDAS and the upcoming European Digital Identity Wallet, which will introduce new standards and opportunities for cross-border identification. Now is a good time to prepare your verification flows to support multiple identification methods.

Transaction flows are often at the core of fintech products, with high demands on stability, performance and clear user journeys. At the same time, complexity increases rapidly when multiple systems, partners and payment methods must interact in real time.

We help fintech companies design and build solutions to manage these flows, from user interfaces to integrations and orchestration across systems. Our experience includes checkout, account-to-account transfers, payouts, card flows and emerging payment methods.

We work across the entire ecosystem, collaborating both with providers and with companies using their services. This means we help develop new concepts together with established players while also supporting clients in integrating and optimizing their payment flows. Through our partnerships, we have deep practical knowledge of leading platforms such as Adyen and Nuvei.

In fintech, compliance is an ongoing puzzle of regulations, with new requirements constantly emerging. Frameworks such as PSD2, AML, GDPR, DORA, EMD2, MiFID II and the AI Act place high demands on data management, risk assessment and reporting, making compliance both complex and resource-intensive.

To operate efficiently, compliance needs to be integrated into both business and technology. When handled manually or in isolated systems, inefficiencies arise, risks increase and scaling becomes more difficult.

We help fintech companies embed compliance into their systems and processes by automating controls, structuring data and ensuring traceability, often closely integrated with KYC and AML flows.

The goal is to reduce operational overhead while enabling smoother workflows for both users and internal teams.

Fintech companies are rarely built as closed systems. Instead, they depend on an ecosystem of banks, payment partners, KYC providers, data sources and internal platforms that must function seamlessly together.

As integrations grow over time, so does the risk of duplication, fragility and bottlenecks. This impacts development speed, system stability and the ability to launch new services or expand into new markets.

We help fintech companies design and build integration layers, APIs and flows that connect systems in a sustainable way. This includes third-party integrations, internal interfaces, open banking and complex API landscapes.

The goal is to create a technical foundation that is stable, flexible, and easier to build on over time.

AI is becoming an increasingly important part of fintech, particularly in areas such as credit decisioning, risk assessment, fraud detection and customer interaction. At the same time, its use is highly sensitive, as it relies on large volumes of personal and financial data that must be handled securely and remain within organizational boundaries.

As AI moves into production, requirements for transparency, traceability, and control are increasing, especially with regulations such as the AI Act. At the same time, AI is often introduced in a fragmented way, for example through external LLM services or isolated internal initiatives, which can lead to data leakage, lack of control and difficulty auditing decisions.

We help fintech companies implement AI solutions in a structured and responsible way. This includes ensuring traceability in decision flows, managing data quality, enabling model monitoring and building solutions where sensitive data is handled correctly, even when AI is integrated into existing systems and processes.