AI Automation & Custom Software for Fintech

Yes. We build software for FCA-regulated fintechs - including payment service providers, e-money institutions, investment platforms, and lending companies. Our UK fintech builds include secure API architecture, FCA-aligned audit logging, strong customer authentication (SCA/PSD2), Consumer Duty compliance documentation, and UK GDPR data handling. We understand the FCA regulatory technology expectations and can support your compliance team with documentation for authorisation and supervision processes.

Yes. We build Open Banking integrations using PSD2-compliant APIs in the UK and Europe, Australia's CDR framework, and equivalent APIs in Canada and the US (Plaid, Finicity, MX). Use cases include account aggregation, payment initiation, financial data enrichment, and automated reconciliation. We have experience with the major UK Open Banking providers and understand the consent management and data sharing requirements that apply under PSD2 and the UK's Open Banking Implementation Entity (OBIE) standards.

The highest-value fintech AI applications we build include: AI fraud detection (reducing false positives by 60-80%), automated credit scoring and underwriting, KYC/AML document processing automation, intelligent customer support chatbots, and AI-powered financial advice and planning tools. We prioritise AI use cases with clear, measurable ROI - quantified in reduced fraud losses, compliance cost savings, or conversion rate improvements - rather than AI projects that are technically impressive but commercially marginal.

Yes. We build core banking infrastructure, digital wallet platforms, payment processing systems, and card issuing APIs - including integrations with Stripe, Marqeta, Galileo, Banking Circle, and local payment rails (SEPA, Faster Payments, ACH, SWIFT). Our neobank builds typically include customer onboarding flows with KYC, account management, transaction history, push notifications, and an operations portal for your compliance and support teams.

Financial software we build includes: end-to-end encryption (AES-256), tokenisation of sensitive financial data, PCI-DSS compliant cardholder data environments, penetration testing prior to launch, real-time anomaly detection, and role-based access controls with full audit trails meeting FCA, MAS, ASIC, and SEC standards. We work with your information security team to align with your existing security policies and can support ISO 27001 certification processes where required.

A focused fintech MVP (payment portal, lending application, or investment dashboard) takes 10-14 weeks. A full neobank or insurance platform takes 20-36 weeks. We use two-week sprints with working demos at each milestone, giving compliance and business stakeholders continuous visibility into progress. Regulatory requirements are designed in throughout - not handled as a final sprint before launch - which avoids costly late-stage rework.

Fintech development through SpiderHunts typically ranges from $30,000 for a focused MVP to $250,000+ for a full banking or insurance platform. Our fintech clients achieve 40-60% cost savings compared to domestic UK or US fintech agencies - with the same compliance standards and engineering quality. We offer fixed-price contracts for well-scoped projects and milestone-based payment structures for larger multi-phase platforms.