Digital Banking & Neobank Apps
Account opening, card management and wealth portals with biometric authentication, transaction categorisation and instant push notification on every movement.
Domain specialisation
Engineered for Fintech: Bank-Grade, Low-Latency Financial Systems
Financial software is judged on the worst second it has, not the average one. We engineer for tail latency, transaction integrity under partial failure, and the regulatory evidence your compliance function will be asked to produce.
Accreditation surface
Compliance and security frameworks
Each framework below maps to specific technical controls we implement and evidence during delivery.
PCI-DSS Level 1
SOC-2 Type II
Open Banking (PSD2)
AML / KYC
ISO 27001
GDPR
$2.4B+
Processed transaction volume
<50ms
Median transaction latency
99.99%
Payment platform uptime
0
Reportable security incidents
Problem → solution
What usually goes wrong, and what we do instead
Common failureSettlement delays and reconciliation drift
Cortex approachEvent-sourced ledgers with idempotent processing and automated reconciliation
Common failureFraud losses from rule-based systems
Cortex approachBehavioural ML scoring with explainability outputs for regulatory defence
Common failureFailed PCI or SOC-2 audits
Cortex approachControl implementation with continuous evidence collection built into CI
Common failureLatency spikes under peak load
Cortex approachSub-50ms transaction paths with load testing to multiples of projected peak
Sector capabilities
Core solutions we deliver
Payment Gateways & FX Wallets
Real-time payment rails, multi-currency wallets and instant settlement with idempotent processing and full reconciliation reporting.
AI Fraud Detection & AML Screening
Behavioural risk scoring, anomaly detection and automated sanctions screening with explainable decisions your regulator will accept.
Blockchain & Digital Asset Custody
Smart contract ledgers, audited custody platforms and tokenisation infrastructure with multi-signature governance and formal verification.
Case walkthrough
Multi-currency payment platform for a GCC financial group
A Gulf-based financial institution needed instant cross-border settlement across five currencies with full AML screening in the transaction path. We built an event-sourced ledger with idempotent processing, automated sanctions screening and reconciliation reporting that closes daily rather than monthly.
Transaction latency
820ms β 44ms
Settlement time
T+2 β instant
False-positive AML flags
78% fewer
PCI-DSS Level 1
Certified
Answers
Sector questions we are asked most
Compliance shapes the architecture rather than following it. We map the applicable framework β PCI-DSS Level 1, SOC-2 Type II, Open Banking (PSD2), AML / KYC β to concrete technical controls during discovery, then implement and evidence them as we build. You receive the documentation your auditor will ask for.
Yes. A Gulf-based financial institution needed instant cross-border settlement across five currencies with full AML screening in the transaction path. We built an event-sourced ledger with idempotent processing, automated Sector references are available under NDA at proposal stage, and we will connect you directly with a comparable client where the relationship allows....
Almost always. Legacy integration is the norm in this sector rather than the exception, and we plan for it explicitly: interface discovery, data mapping and reconciliation reporting are scoped as first-class work, not assumed away.
You do. All source code, infrastructure definitions, design assets and documentation transfer to you on completion. There is no proprietary runtime you would be locked into.
Discovery runs three to five weeks and ends with a costed plan. Build phases typically run twelve to twenty-four weeks depending on the compliance surface and integration count. We deliver incrementally, so value ships well before the final milestone.