Industries

IT solutions for fintech and financial services

Neobanks, payment platforms, treasury management tools, lending or insurance products: fintech companies build software where security, traceability and availability are non-negotiable. Agencei designs and operates these platforms to that standard.

We build transactional back ends in Java/Spring Boot or Node.js, secure APIs, web and mobile interfaces, and we integrate payment providers, banking APIs and identity verification services. We set up the cloud infrastructure, observability and deployment processes that audits require.

We work with regulated young companies, software vendors selling to banks and established players modernising a platform. In every case the goal is the same: a reliable, auditable system ready for compliance requirements.

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Industry challenges

PCI DSS compliance and card data

Any handling of card data requires PCI DSS compliance: network segmentation, encryption, logging, access management. Reducing the scope through tokenisation is often the first architecture decision.

PSD2, strong authentication and open banking

The PSD2 directive mandates strong customer authentication and regulates account access. Banking APIs (account information, payment initiation) each have their own specifics and certification procedures.

Transaction integrity and data consistency

A ledger must be accurate to the cent, idempotent against replays and able to reconcile operations with partners. Consistency errors are expensive and hard to fix after the fact.

Application security and fraud

Financial platforms are prime targets: injection, account takeover, API abuse, payment fraud. Security has to be built into the development cycle and tested regularly.

Auditability and traceability

Regulators, auditors and banking partners expect complete logs, traceable deployments and a clear separation of environments and access rights.

GDPR and identity verification

KYC flows handle identity documents and sensitive data. Their collection, storage and retention must be tightly controlled.

How we respond

Compliance-oriented architecture

PCI DSS scope reduction through tokenisation, environment segmentation, encryption at rest and in transit, centralised secrets management and immutable audit logs.

Robust transactional back ends

Java/Spring Boot or Node.js development with PostgreSQL, idempotent operations, message queues, automated reconciliation and exhaustive tests on business rules.

Payment and banking integrations

Connection to payment providers, open banking APIs and KYC services, with careful handling of errors, webhooks, sandbox environments and certification procedures.

Security built into the development cycle

Code review, static analysis, dependency management, penetration tests coordinated with third parties, strong authentication and an access management policy.

Auditable cloud infrastructure

AWS deployments described in Terraform, CI/CD with approvals, separated environments, full observability and tested backups.

Secure mobile apps

React Native apps with secure storage, biometric authentication, detection of compromised devices and controlled updates.

Typical projects

Building a payment API with card tokenisation
Open banking integration (account aggregation, payment initiation)
Treasury management or invoicing platform for SMBs
Banking or payment mobile app in React Native
Onboarding flow with identity verification (KYC)
Migrating a financial platform to AWS with infrastructure as code
Setting up observability and audit logs ahead of a regulatory audit
Redesigning a ledger and transaction reconciliation

Frequently asked questions

Are you PCI DSS certified?

We do not claim a certification in our own name. We design architectures that reduce your PCI DSS scope, apply the standard's requirements and prepare the documentation your assessor or self-assessment needs.

Can you integrate banking APIs?

Yes. We integrate payment provider APIs and open banking APIs (account information, payment initiation), handling test environments, strong customer authentication and certification procedures.

Which stack do you recommend for a financial platform?

Most often Java/Spring Boot or Node.js for the back end, PostgreSQL for transactional data, a message queue for asynchronous processing and AWS for hosting. The choice depends on your team, your regulatory constraints and what already exists.

How do you handle identity data (KYC)?

We limit collection to what is necessary, encrypt documents, restrict access and define retention periods that comply with regulation. Where possible, we delegate verification to a specialised provider.

Can you take over an existing platform before an audit?

Yes. We start with a technical and security audit, then prioritise fixes according to the upcoming audit's requirements: logging, access management, encryption, environment separation and documentation.

Tell us about your project

Describe your need in a few lines: we come back to you with a first analysis and the next steps.

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