--- title: FinTech Solutions | Claritas One description: FinTech platforms and solutions engineered for regulatory, scale and reliability requirements. url: https://claritasone.com/solutions/industry/fintech canonical: https://claritasone.com/solutions/industry/fintech kind: solution source: https://claritasone.com/solutions/industry/fintech author: Claritas One datePublished: 2016-01-01 dateModified: 2026-04-18 updated: 2026-04-18 publisher: Claritas One --- # FinTech Solutions *Solutions / Industry* > We engineer financial technology platforms — digital banking infrastructure, payment processing systems, lending automation, and regulatory compliance engines — built to the security, availability, and regulatory standards that financial services organisations require and that their regulators demand. [Home](https://claritasone.com/) › [Solutions](https://claritasone.com/solutions) › [Industry Solutions](https://claritasone.com/solutions/industry) › **FinTech Solutions** ## Overview Financial services technology carries an asymmetric risk profile that generic software engineering practices cannot address: a payment processing outage costs a bank not just revenue but regulatory standing; a KYC failure that allows a sanctioned entity to transact creates criminal liability; a data breach of customer financial records triggers notification obligations in dozens of jurisdictions simultaneously. Organisations that build financial technology with a consumer software mindset discover these consequences at the worst possible time — at scale, under regulatory scrutiny, with customer trust already eroded. Our FinTech engineering practice is built around the inverse assumption: financial services technology must be engineered to fail safely, comply by design, and scale without compromising the integrity of any single transaction. ## Our Approach ### 1. Regulatory Architecture & Compliance Framework Design We begin every FinTech engagement with a structured regulatory mapping exercise — identifying applicable frameworks (PCI-DSS, PSD2, GDPR, FCA, SEC, CFTC, Basel III) and translating their technical obligations into architecture requirements, data handling policies, and operational controls before a line of code is written. ### 2. Core Banking & Payment Infrastructure Engineering We build the transaction processing cores, ledger systems, and payment rails that financial products are built upon — with double-entry bookkeeping integrity, idempotent transaction handling, and the sub-100ms latency characteristics that modern financial product user expectations demand. ### 3. Fraud Detection & AML Systems Real-time fraud scoring models and AML transaction monitoring systems are engineered with the precision required to minimise false positive rates that damage customer experience while maintaining the recall rates that satisfy financial crime compliance obligations. Models are explained, auditable, and regulatorily defensible. ### 4. KYC/KYB Automation & Identity Verification We integrate and orchestrate identity verification providers, sanctions screening APIs, adverse media monitoring, and beneficial ownership resolution into automated KYC/KYB workflows that meet FATF recommendations and local jurisdiction requirements — reducing onboarding friction while improving compliance assurance. ### 5. Open Banking & API Platform Engineering We design and implement Open Banking-compliant APIs, PSD2 Strong Customer Authentication flows, and API gateway infrastructure that enables third-party developer ecosystems — with rate limiting, OAuth 2.0 scoping, and fraud monitoring that protects your customers and your regulatory standing simultaneously. ## Capabilities - Digital banking platform development with core ledger and multi-currency support - Payment gateway and real-time payment rail integration (SWIFT, SEPA, Faster Payments) - Lending automation: credit scoring, underwriting rules engine, and loan lifecycle management - Real-time fraud detection with ML-based transaction scoring and case management - AML transaction monitoring with FATF-aligned rule sets and SAR workflow automation - KYC/KYB automation with sanctions screening and beneficial ownership resolution - PSD2 and Open Banking API platform with SCA implementation - PCI-DSS Level 1 compliant payment data architecture and tokenisation ## Outcomes | Metric | Value | | --- | --- | | Payment transaction processing latency | **< 100ms** | | Core banking platform availability SLA | **99.999%** | | PCI-DSS audit failures across client deployments | **Zero** | | Reduction in KYC onboarding time through automation | **40%** | ## Next Step **Build Financial Technology That Earns Regulatory Trust** Our FinTech engineering leadership will assess your regulatory obligations and product requirements to design a financial technology architecture that scales with confidence. → [Get a proposal](https://claritasone.com/get-a-proposal) · [Contact us](https://claritasone.com/contact) --- View the live page: About Claritas One: · Contact: · All pages: