INDUSTRY
Software for banking and FinTech
Financial institutions in the UAE operate under Central Bank oversight, and every product decision eventually meets a control requirement. We build the onboarding journeys, payment integrations and internal tooling that sit between a customer and a core system. The controls are designed in, not bolted on before launch.
Onboarding is where most of the value and most of the drop-off sits
Account opening and lending origination in this market carry a heavy identity, screening and document burden, and the abandonment usually happens in the middle of it. Splitting the journey into resumable steps, running checks asynchronously and being honest with the customer about what is pending recovers a meaningful share of applications without weakening a single control.
We build KYC and AML workflows as a state machine with a clear queue for human review, so a compliance officer sees why a case stopped and what evidence is attached. Screening, document verification and risk scoring are integrated as replaceable providers, not hard-wired into the application.
- Resumable digital onboarding with document capture and liveness checks
- Sanctions, PEP and adverse-media screening with case management for hits
- Risk scoring and enhanced due diligence paths with recorded rationale
- Periodic review and re-screening scheduled against customer risk tier
Payments, cards and the systems behind them
Payment work is unforgiving because failure is visible and reconciliation is public. We build against card and domestic transfer rails with idempotent request handling, explicit timeout semantics, a reconciliation job that runs whether or not anyone is watching, and a dispute path that operations staff can actually use.
Integration with the core banking or lending platform is usually the constraint. Where the core exposes a narrow or batch-only interface, we put an integration layer in front of it so digital channels are not limited by a nightly cycle, and so the core can later be replaced without rewriting every channel.
Controls, evidence and resilience
Regulated financial environments in the UAE typically require demonstrable access control, change management, data residency, retention and the ability to reconstruct who did what. We instrument for that from the first sprint: immutable audit events, four-eyes approval on sensitive actions, secrets held in a managed vault and environments separated properly.
Resilience is treated the same way. We define recovery objectives with you, then prove them with rehearsed failover rather than asserting them in a document. Load and failure testing sit inside the release pipeline.
- Immutable, queryable audit trail across customer, money and configuration events
- Segregated environments with production data never used for development
- Encryption in transit and at rest, with key custody documented
- Recovery objectives agreed, tested and re-tested each release train
Which of our services usually apply
Security & Compliance and Systems Integration carry most of the weight here, with API Development & Integration close behind because partners and internal teams both need documented, versioned contracts. QA & Test Automation matters more in this sector than any other, and Managed Support & SRE keeps the availability commitment honest.
For institutions with an existing engineering function, outstaffing is often the faster route. We place senior engineers who have shipped in regulated environments into your squads, under your change process.
What you get
- Digital onboarding journey with document capture, checks and resumable state
- KYC and AML workflow engine with review queues and decision evidence
- Payment and card integration with reconciliation and dispute handling
- Integration layer in front of the core banking or lending platform
- Documented, versioned APIs for partner and internal consumption
- Automated regression, performance and security test suites in the pipeline
- Audit, access-control and data-flow documentation for your risk function
- Production runbooks, on-call rota and an agreed availability SLA
Typical outcomes
35%
Lower onboarding drop-off
99.95%
Platform uptime under SLA
<100ms
Median API response time
Stack we use
Questions
Yes, across onboarding, payments and core integration. Specific client names are covered by NDA, so we will describe the systems and the controls in detail on a call rather than list logos on a website.
We integrate rather than replace. Where the core only offers batch or limited interfaces, we build an integration layer that gives digital channels near-real-time behaviour and keeps the core replaceable later.
You do, on payment, including infrastructure definitions and documentation. We do not retain rights to anything we build for you, and we do not reuse client-specific code elsewhere.
We produce the evidence your auditors ask for, remediate findings from third-party penetration tests and re-test. We do not issue certifications ourselves and we will not claim accreditations we do not hold.
Related
Next step
Start with a 20-minute call.
Tell us the roles you need filled, the system you need built, or both. You will speak to someone who has done the work, and leave the call with a route forward.