Custom financial technology platforms — from payment gateways and lending systems to neobank infrastructure and open banking integrations — built with security and compliance at the core.
The financial services industry is being reshaped by technology at every level — from how consumers make payments and access credit to how institutions manage risk and comply with regulations. Building fintech software demands deep understanding of financial workflows, payment ecosystems, regulatory frameworks like PSD2 and PCI DSS, and the security standards that protect sensitive financial data. Off-the-shelf solutions rarely fit the unique requirements of innovative financial products.
At Owl Smart Solutions, we build custom fintech platforms that handle the complexity of real-world financial operations. Our development approach starts with compliance mapping and security architecture, ensuring that regulatory requirements are embedded into the system design rather than bolted on afterwards. Whether you are building a payment gateway that routes transactions across multiple processors, a lending platform with automated credit decisioning, or a digital banking application with open banking connectivity, we deliver production-grade systems that meet the standards expected by regulators, auditors, and customers.
We build payment gateways that process card payments, bank transfers, direct debits, and alternative payment methods through a unified API. Our gateways include intelligent transaction routing to optimise authorisation rates and processing costs, tokenisation for PCI DSS compliance, 3D Secure authentication, and comprehensive reconciliation engines. The system supports multi-currency processing, split payments, recurring billing, and real-time webhook notifications for payment events.
Our lending platforms automate the entire credit lifecycle — from application intake and identity verification through credit scoring, affordability assessment, and loan origination to servicing, collections, and regulatory reporting. We integrate with credit reference agencies (Experian, Equifax, TransUnion), implement configurable decisioning engines that support both rule-based and machine learning credit models, and build borrower portals with self-service repayment management.
We build digital banking applications that provide current accounts, savings products, card issuing, and money management tools through mobile-first interfaces. Our neobank infrastructure connects to banking-as-a-service providers and core banking systems, handles card programme management through Marqeta or similar platforms, and includes budgeting tools, spending analytics, and notification systems that keep users engaged. The architecture supports rapid product iteration and A/B testing of financial features.
We build open banking connectivity layers that aggregate account data and initiate payments across multiple banks through standardised APIs. Our integration handles the complexity of different bank implementations, consent management, token refresh cycles, and data normalisation. We also build provider-side open banking APIs for institutions that need to expose their own data to authorised third parties, ensuring compliance with PSD2 regulatory technical standards.
We map your product requirements against regulatory obligations (FCA, PSD2, PCI DSS, GDPR), identify licensing needs, and define the compliance controls that must be built into the platform.
We design the system architecture, API contracts, data models, and integration patterns. Security architecture and data protection controls are defined at this stage to ensure compliance by design.
Iterative development in 2-week sprints with continuous security testing, code review, and compliance validation. Third-party penetration testing is conducted before each major release.
Controlled production launch with monitoring, automated regulatory reporting, and ongoing compliance management. We provide continued development support as regulations evolve and your product scales.
We build a wide range of fintech platforms including payment gateways and processing systems, peer-to-peer and institutional lending platforms, neobank and digital banking applications, open banking aggregation services, regulatory reporting systems, and financial data analytics platforms. Each platform is built with security, compliance, and scalability as foundational requirements.
Our platforms implement PSD2 requirements including Strong Customer Authentication (SCA), secure communication protocols for third-party provider access, and consent management for account information and payment initiation services. We build compliant APIs that meet the regulatory technical standards (RTS) and integrate with existing banking infrastructure through standardised open banking interfaces.
Yes. We integrate with open banking APIs across the UK (Open Banking Implementation Entity standards), Europe (Berlin Group, STET), and other regions. Our integration layer handles account information retrieval, payment initiation, fund confirmation, and consent lifecycle management across multiple banks and account types. We also build aggregation layers that normalise data from different bank APIs into a consistent format for your application.
We integrate with major payment processors including Stripe, Adyen, Worldpay, Checkout.com, and Modulr for card and bank payments. For cross-border payments, we connect with CurrencyCloud, Wise Business API, and banking partners that provide SWIFT and SEPA access. Our payment abstraction layer allows you to route transactions through multiple processors based on cost, success rates, and geographic coverage.
Book a free discovery call and we'll assess your product requirements, compliance obligations, and technical architecture needs.
Book a Consultation
OWL