The challenge
What financial services leaders are solving
- 01
Payment scope that widens audit exposure
Card data flowing through application servers expands PCI DSS scope, lengthens assessments and raises the cost of every subsequent change to the payments estate.
- 02
Audit trails missing before regulatory review
Access controls, change history and decision logs are incomplete, leaving teams to reconstruct evidence manually when regulators, auditors or partner banks request it.
- 03
Legacy cores slowing product delivery
Monolithic banking and lending systems lack clean APIs, so every new product, channel or partner integration becomes a lengthy, high-risk change programme.
- 04
AI adoption blocked by explainability concerns
Credit, fraud and service use cases stall because models cannot be explained, monitored or governed to the standard risk committees and regulators expect.
Our perspective
Engineering for Financial Services
Fintech software development is the engineering of lending, payments, banking and wealth platforms that meet the security, audit and regulatory demands of financial services. VulcanTech builds these platforms with security, auditability and data governance in the architecture from the first sprint. We modernise legacy estates incrementally, integrate with existing cores and processors, and apply AI where controls, traceability and model governance can be demonstrated to risk and compliance teams.
Regulation & compliance
Designed for PCI DSS, PSD2, GDPR and DORA obligations, with FCA operational resilience expectations in view
How we help
Solutions for Financial Services
Payments architecture and scope reduction
Tokenisation, hosted fields and processor-side vaulting that keep card data out of your environment and narrow the PCI DSS assessment boundary.
Lending and onboarding platforms
Digital origination, KYC and underwriting workflows with configurable rules, document capture and a complete audit history for every decision.
Core modernisation and open APIs
Incremental decomposition of legacy cores behind versioned APIs, enabling open banking connectivity and partner integration without a disruptive replacement.
Governed AI for risk and service
Fraud detection, credit decisioning support and service copilots with model monitoring, human review points and documentation suitable for model risk oversight.
Security and access governance
Role-based access, encryption, secrets management and immutable logging designed to produce evidence on demand for auditors and supervisors.
Reporting and data platforms
Reconciled, lineage-aware data pipelines that feed regulatory reporting, management information and analytics from a single governed source.
Use cases
Where Financial Services puts this to work
- Real-time fraud detectionStreaming risk scoring that flags suspicious payments and account activity in milliseconds, with explainable signals that fraud analysts and model risk teams can review.
- Fewer genuine customers declined at the point of payment
- Analyst effort focused on the highest-risk alerts
- Agentic KYC and onboardingAI agents that gather, verify and assemble customer due diligence files, routing only genuine exceptions to compliance officers for decision.
- Shorter time from application to approved account
- Consistent, evidence-backed due diligence files
- Core banking API modernisationIncremental decomposition of a legacy core behind versioned APIs and event streams, so new products and partners connect without a risky replacement.
- Faster launch of products, channels and partner integrations
- Reduced dependency on scarce legacy skills
- Regulatory policy copilotA secure retrieval assistant that answers staff questions from approved policies, procedures and regulatory texts, with citations to every source.
- Staff find approved answers without escalating to compliance
- Every response traceable to a cited, current source
- Tokenised fund and asset platformsPermissioned tokenisation of funds, bonds or private assets, with compliant transfer rules, custody integration and reconciliation to existing records.
- Transfer and eligibility rules enforced in code
- On-chain positions reconciled with books of record
- Operational resilience and DORA readinessMapping, hardening and testing of important business services so incidents are contained, recovered and evidenced within defined tolerances.
- Clear dependency maps for every important business service
- Recovery capability tested, not assumed
Capabilities
Service lines we bring to Financial Services
- Application ModernisationModernise ageing applications incrementally, without interrupting the operations that depend on them.Explore
- API & Integration ArchitectureGoverned APIs and resilient integrations that keep enterprise data consistent across systems.Explore
- Cybersecurity & ResilienceSecurity assessment and adversarial testing scoped to your real attack surface, with clear remediation priorities.Explore
- Machine Intelligence & Predictive AnalyticsProduction machine learning that turns operational data into forecasts, detection and better decisions.Explore
- Enterprise BlockchainSmart contracts and on-chain systems engineered for enterprise use and audited before mainnet.Explore
- Cloud & Platform OperationsGoverned delivery pipelines and cloud platforms defined as code, observable and cost-controlled.Explore
Resources
Latest insights
FAQ
Frequently asked questions
Can't find what you need? Ask us in the discovery session.
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Building for Financial Services?
Tell us what you're building. You'll hear back from an engineer, not an inbox.
- 1We reply within one business day to set up a 30-minute call.
- 2A senior engineer — not a salesperson — walks through your problem.
- 3You get a scoped proposal with timeline and cost. No obligation.
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