HomeIndustriesFinance & Insurance
BANK-GRADE SECURITY

Finance & Insurance Software Solutions

Secure Fintech Development | AI-Powered Financial Services

Building secure, compliant, and innovative software for banks, insurance companies, fintech startups, and financial service providers. From fraud detection to robo-advisory platforms.

15 years
Financial services experience
ZERO
Security breaches
100% clean record
$500K
Average fraud prevented
Per client annually
2M+
Financial transactions
Processed daily
PCI-DSS Compliant
SOC 2 Aligned Controls
ISO 27001:2022 Certified
GDPR Compliant
Bank-Grade Encryption (AES-256)

Financial Services Challenges We Solve

From legacy modernization to AI-powered fraud detection

Fraud & Risk Management

The Problem:

  • Financial fraud costs $40B annually in US alone
  • Traditional rule-based systems have 5-10% false positive rate
  • Manual review is slow and expensive ($20-$50 per transaction)
  • Fraudsters evolve faster than rule updates

Pain Points:

5-10% false positive rate (legitimate transactions blocked)
$40B annual fraud losses (US financial services)
Manual review: $20-$50 per transaction
3-5 days to update fraud rules (fraudsters move faster)

Our Solution:

AI/ML fraud detection (95%+ accuracy, <1% false positives)
Real-time transaction scoring (<50ms)
Behavioral biometrics and device fingerprinting
Continuous learning (model adapts to new fraud patterns)

Real Result: Credit union: $500K fraud prevented, 80% reduction in false positives

Investment: $40K-$120K

Legacy System Modernization

The Problem:

  • Legacy COBOL/mainframe systems from 1980s-90s
  • Can't add features without 6-12 month timelines
  • Integration with modern APIs nearly impossible
  • Expensive to maintain ($200K-$500K annually)

Pain Points:

Feature development: 6-12 months (vs weeks for competitors)
Maintenance costs: $200K-$500K annually
Can't integrate with fintech APIs (Plaid, Stripe, etc.)
Finding COBOL developers (average age: 55+)

Our Solution:

Gradual modernization (strangler fig pattern)
API layer over legacy (modernize without big-bang rewrite)
Cloud migration with zero downtime
Modern tech stack (microservices, APIs, cloud-native)

Real Result: Regional bank: 6-month features now deployed in 2 weeks

Investment: $80K-$300K (depends on complexity)

Regulatory Compliance Burden

The Problem:

  • SOX, PCI-DSS, SOC2, KYC, AML, GDPR, state regulations
  • Compliance audit prep takes 3-6 months
  • Manual processes prone to human error
  • Fines for non-compliance: $100K-$10M+

Pain Points:

Audit preparation: 3-6 months of staff time
Compliance fines average $5M (for violations)
Manual KYC/AML review: 20-30 minutes per customer
Can't keep up with changing regulations

Our Solution:

Automated compliance monitoring and reporting
AI-powered KYC/AML screening (95% automation)
Audit trail automation (every transaction logged)
Regulatory update alerts and implementation

Real Result: Fintech startup: SOC2 audit passed first time, 90% less prep time

Investment: $35K-$100K

Poor Digital Customer Experience

The Problem:

  • Customers expect mobile-first banking like big banks
  • 60% of customers use mobile banking (vs 20% branches)
  • Legacy systems can't support modern UX
  • Losing customers to neobanks and fintech apps

Pain Points:

60% customer preference for mobile (but bank offers poor app)
25% customer churn to competitors with better digital experience
Mobile app rating: 2.5/5 stars (vs 4.5/5 for competitors)
Can't add features competitors launch in weeks

Our Solution:

Mobile-first banking apps (iOS/Android native)
Real-time transactions and notifications
Biometric authentication (Face ID, Touch ID)
Personal finance management (budgeting, insights)

Real Result: Regional bank: App rating 2.8 → 4.6 stars, 40% increase in mobile usage

Investment: $50K-$150K

Financial Software Solutions We Build

From fraud detection to mobile banking—secure, compliant, innovative

MOST POPULAR

AI-Powered Fraud Detection

$40K-$120K

ROI: $500K fraud prevented annually

Machine learning fraud detection that catches 95%+ of fraud with <1% false positives. Real-time transaction scoring and continuous learning.

What's Included:

AI/ML fraud detection models
Real-time transaction scoring ({'<'}50ms)
Behavioral biometrics
Device fingerprinting
Anomaly detection
Case management system
Continuous model training

Real Example: Credit union (100K members)

  • • $500K fraud prevented annually
  • • 95% fraud detection rate (vs 60% rule-based)
  • • 0.8% false positive rate (vs 8% before)
  • • $250K reduction in manual review costs
Technology: Python, TensorFlow, PostgreSQL, Redis, FastAPI
Timeline: 12-16 weeks

Insurance Claims Automation

$35K-$100K

ROI: 85% claims automated, $400K saved

AI-powered claims processing that automates 85% of routine claims. OCR for document extraction, rule engine for auto-approval, fraud detection.

What's Included:

OCR for claim document extraction
Rules engine for auto-approval
Fraud detection (AI-powered)
Photo damage assessment (computer vision)
Claims workflow automation
Customer self-service portal
Integration with policy systems

Real Example: Auto insurance carrier (50K policies)

  • • 85% claims automated (vs 20%)
  • • 3-day average settlement (vs 14 days)
  • • $400K annual savings (claims staff time)
  • • 4.5/5 customer satisfaction (vs 3.2)
Technology: Python, TensorFlow, AWS Textract, .NET
Timeline: 14-20 weeks

Mobile Banking & Fintech Apps

$50K-$150K

ROI: 4.6/5 app rating, 40% mobile growth

Mobile-first banking apps that customers love. iOS/Android native, biometric auth, real-time transactions, personal finance management.

What's Included:

iOS and Android native apps
Biometric authentication (Face ID, Touch ID)
Real-time balance and transactions
P2P payments (Zelle, Venmo-style)
Bill pay and transfers
Personal finance insights (spending, budgets)
Push notifications
Integration with core banking

Real Example: Regional bank (10 branches, 50K customers)

  • • App rating: 2.8 → 4.6 stars
  • • Mobile banking adoption: 35% → 60%
  • • Branch traffic down 40% (cost savings)
  • • Customer satisfaction up 25%
Technology: React Native, Node.js, PostgreSQL, Plaid
Timeline: 16-24 weeks

Underwriting & Risk Assessment

$45K-$120K

ROI: 40% faster underwriting

AI-powered underwriting that's faster, more accurate, and more profitable. Automated data gathering, risk scoring, and approval workflows.

What's Included:

Automated data gathering (credit bureaus, public records)
AI risk scoring models
Rules engine for auto-approval
Manual review workflow (for exceptions)
Document verification (OCR, fraud detection)
Integration with external data sources
Audit trail and compliance reporting

Real Example: Mortgage lender (1,000 loans/year)

  • • 40% faster underwriting (10 days → 6 days)
  • • 70% auto-approved (no manual review)
  • • 15% reduction in default rate
  • • $200K annual savings (underwriter time)
Technology: Python, scikit-learn, .NET, SQL Server
Timeline: 12-18 weeks

Robo-Advisory Platforms

$60K-$180K

ROI: $5M AUM in year 1

Automated investment advisory platforms. Portfolio optimization, rebalancing, tax-loss harvesting, and client reporting.

What's Included:

Portfolio optimization algorithms
Automated rebalancing
Tax-loss harvesting
Client onboarding (KYC/AML)
Risk assessment questionnaire
Client portal and reporting
Integration with custodians (Schwab, Fidelity, etc.)
Compliance and audit reporting

Real Example: RIA firm (50 advisors, $200M AUM)

  • • $5M new AUM in year 1
  • • 50% reduction in portfolio rebalancing time
  • • Tax-loss harvesting: $150K client tax savings
  • • Advisor efficiency: manage 2x more clients
Technology: Python, React, Node.js, Plaid, Apex/DriveWealth
Timeline: 20-28 weeks

Regulatory Compliance Automation

$35K-$100K

ROI: 90% less audit prep time

Automate compliance monitoring, reporting, and audit preparation. KYC/AML automation, transaction monitoring, and regulatory reporting.

What's Included:

Automated KYC/AML screening
Transaction monitoring (suspicious activity)
Audit trail automation
Regulatory reporting (SAR, CTR, etc.)
Policy and procedure management
Compliance training tracking
Risk assessment automation

Real Example: Fintech startup (5K customers)

  • • Supported client's SOC 2 Type II readiness and audit preparation
  • • 90% reduction in audit prep time (6 months → 2 weeks)
  • • 95% KYC automation (vs 100% manual)
  • • Zero compliance violations first year
Technology: Python, PostgreSQL, Chainalysis, ComplyAdvantage
Timeline: 10-16 weeks

Financial Organizations We Serve

From community banks to fintech startups

Banks & Credit Unions

15+ institutions served

Regional bank: $500M assets, 10 branches

Insurance Companies

10+ carriers served

Auto insurance: 50K policies, $100M premiums

Fintech Startups

25+ startups launched

P2P payment app: $5M Series A raised

Payment Processors

8+ processors served

Processor: 2M transactions/day

Wealth Management

12+ RIAs served

RIA: $200M AUM, 50 advisors

Financial Services Success Stories

Real results from production systems

FINTECH

AI-Powered Auto-Claims Processing for Insurance Carrier

Client: Auto insurance carrier (50K policies, $100M annual premiums)

Challenge: Manual claims processing taking 14 days average. 5-10% fraud rate costing $5M annually. Customer satisfaction at 3.2/5 due to slow payouts.

Solution: Built AI-powered claims automation: OCR for document extraction, computer vision for damage assessment, ML fraud detection, automated approval workflow.

Fraud detection: 92% accuracy
Customer satisfaction: 3.2 → 4.5 stars
Photo damage assessment: 95% accuracy
Touchless claims: 60% (no human review needed)
PythonTensorFlowAWS Rekognition.NET Core
Timeline: 16 weeks
Investment: $85K
85%
Claims Automated
vs 20% before
3 days
Average Settlement
vs 14 days before
$400K
Annual Savings
Claims staff productivity
FRAUD DETECTION

Real-Time Fraud Detection for Payment Platform

Client: P2P payment platform (500K users, $50M monthly volume)

Challenge: Rule-based fraud system with 8% false positive rate. Losing $500K annually to fraud. Manual review costing $200K/year.

Solution: Built ML-powered fraud detection with real-time scoring (<50ms), behavioral biometrics, device fingerprinting, and continuous learning.

95% fraud detection rate (vs 60% rule-based)
$250K reduction in manual review costs
Zero account takeover incidents (6 months)
Model adapts daily to new fraud patterns
PythonTensorFlowRedisKafkaPostgreSQL
Timeline: 14 weeks
Investment: $95K
ROI: 7.9x
$500K
Fraud Prevented
Annually
0.8%
False Positive Rate
vs 8% before (10x improvement)
<50ms
Detection Time
Real-time scoring
DIGITAL BANKING

Mobile Banking App for Regional Bank

Client: Regional bank (10 branches, 50K customers, $500M deposits)

Challenge: Mobile app rated 2.8/5 stars. 25% customer churn to competitors with better digital experience.

Solution: Rebuilt mobile banking app (iOS/Android native) with modern UX, biometric auth, real-time transactions, P2P payments, budgeting tools.

Customer churn reduced by 50%
Digital account opening: 100+ per month
Mobile check deposit: $2M monthly
Feature releases: weekly (vs quarterly)
React NativeNode.jsPostgreSQLPlaid
Timeline: 20 weeks
Investment: $120K
4.6★
App Store Rating
vs 2.8 before
60%
Mobile Adoption
vs 35% before
40%
Branch Traffic Reduction
Cost savings

Bank-Grade Security & Compliance

We don't just claim security—we prove it with certifications and audits

AES-256 Encryption

at rest

TLS 1.3 Encryption

in transit

Key Management

FIPS 140-2 HSM

End-to-End Encryption

Zero-knowledge

Multi-Factor Authentication

TOTP, biometric

Role-Based Access Control

Least privilege

Biometric Authentication

Face ID, Touch ID

Zero Trust Architecture

Never trust, always verify

24/7 Security Monitoring

SOC team

Intrusion Detection

SIEM

Audit Logs

Tamper-proof

Annual Penetration Testing

Third-party verified

PCI-DSS Level 1
SOC 2 Aligned Controls
ISO 27001 Best Practices
GDPR Compliant
NIST 800-53 Aligned
Multi-Factor Auth

Secure, Compliant, Innovative Financial Software

Schedule a free consultation to discuss fraud detection, claims automation, mobile banking, or compliance. We'll provide honest technical advice about feasibility and cost.

Proven security record with no reported breaches
PCI-DSS compliant & SOC 2 aligned
$500K average fraud prevented
95%+ detection accuracy

We respond within 6 hours