Fintech & Financial Services

Secure, Scalable, and Compliant Solutions for the Future of Finance

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Understanding the Industry

Today, financial institutions must navigate a challenging landscape: providing fast, personalised digital services while ensuring robust compliance and system reliability. The main challenge lies in combining innovation with trust.

At IPS, we support fintechs, banks and payment providers in developing secure and scalable solutions across the entire financial technology stack. From digital onboarding and core banking integrations to anti-fraud systems and 3DS payment authentication, our solutions are built for high performance and audit-ready compliance from day one.

We also support financial institutions on their journey towards responsible AI adoption, helping them to embed governance, data integrity and explainability into every model and decision-making process.

Typical Challenges We Solve in Fintech & Financial Services

IPS has extensive experience in financial systems, compliance architecture, and secure mobile platforms. This allows us to support banks and fintech companies in moving quickly without compromising stability, security or trust.

CHALLENGE 1

Meeting Regulatory Demands While Innovating

The challenge

Financial services are subject to increasingly stringent regulations such as MiCAR, DORA and PSD2, which makes compliance a moving target. Innovation is often blocked or delayed due to slow audits and unclear risk frameworks.

Our approach

We design architectures and workflows that reflect regulatory expectations from the outset. Our systems incorporate data privacy, auditability and model transparency, enabling innovation without compromising control.

CHALLENGE 2

Breaking Free from Legacy Infrastructure

The challenge

Outdated core systems, monolithic platforms and tightly coupled backends can seriously limit the capabilities of product teams and compliance leads.

Our approach

We modernise infrastructure using microservices, API-first design and cloud-native patterns, enabling financial organisations to scale features, improve uptime and maintain flexibility under load.

CHALLENGE 3

Friction in KYC and Onboarding Workflows

The challenge

Slow onboarding, document loops and poor UX can lead to users dropping out, while overly lenient processes increase the risk of fraud and anti-money laundering (AML) issues.

Our approach

We develop digital onboarding flows that strike the right balance between a seamless user experience and secure identity verification, AML compliance and configurable review thresholds.

CHALLENGE 4

Integrating with External Systems

The challenge

Connecting with credit bureaus, banks, payment processors and third-party APIs can result in reliability issues, compliance concerns and delays to product rollout.

Our approach

Our engineers specialise in complex integration projects, including real-time payments, data exchange with credit bureaus and regulated interfaces, and they always keep security and auditability in mind.

CHALLENGE 5

Scaling Secure, Real-Time Payment Experiences

The challenge

Implementing tap-to-pay, 3DS and secure APIs across devices involves navigating complex software development kits (SDKs), varied hardware and ever-evolving compliance frameworks.

Our approach

We ensure smooth SDK integration, high performance and secure data handling, enabling contactless point-of-sale (POS) payments and 3D Secure (3DS) out-of-band authentication with biometric fallback and push notification support.

CHALLENGE 6

Laying the Groundwork for Responsible AI

The challenge

AI shows great potential in areas such as fraud detection, underwriting and operations. However, poor data quality, unclear governance and opaque models create risk.

Our approach

We help financial institutions to align their AI initiatives with their business goals and compliance needs. From data governance and explainability to audit trails and human-in-the-loop design, we ensure that AI is trustworthy by design.

Case Study

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