Fintech
Engineering the next generation of financial products
IBU partners with challenger banks, payment providers, wealthtech firms, lendtech platforms and B2B fintech companies to build scalable financial products, navigate FCA authorisation, and integrate with banking and payments infrastructure at speed.
Discuss Your ProjectThe Sector Challenge
Fintech companies must move fast, build for scale, and satisfy regulators — simultaneously. IBU brings engineering depth and financial services regulatory knowledge to help fintechs launch products faster, achieve FCA authorisation, integrate with open banking and payment rails, and scale infrastructure without accumulating technical debt. From MVP to Series C and beyond, IBU is the technology partner that understands both the code and the compliance.
What We Solve
- FCA authorisation and regulatory sandbox navigation
- Core product engineering and MVP development
- Open banking and payment rail integration
- PCI DSS compliance and card programme management
- Scalable cloud infrastructure for high-volume transactions
- AML, KYC and fraud prevention at scale
- Embedded finance and BaaS platform development
- Data engineering and real-time analytics
- Series A–C technology due diligence readiness
- Legacy bank API integration and data normalisation
Our Capabilities in Fintech
Business Outcomes
Speed to Market
Agile engineering squads and reusable fintech accelerators cut MVP development time by up to 40%.
Regulatory Confidence
In-house FCA compliance expertise reduces authorisation timelines and regulatory remediation risk.
Scalable Architecture
Cloud-native microservices architectures handle transaction volume spikes without performance degradation.
Investor Readiness
Clean, well-documented codebases and robust security postures pass technical due diligence with confidence.
Ecosystem Integration
Pre-built connectors to major open banking, payment and BaaS providers accelerate partner integrations.
Fraud Resilience
Real-time fraud scoring and adaptive AML models protect revenue and maintain FCA compliance as volumes grow.
Ready to transform your fintech operations?
Speak with an IBU specialist who understands your sector's unique pressures and opportunities.