Fintech software development company for products that move, lend or hold money.
We build and take over financial software for financial services companies, with provider integrations and dependable transaction records.
Our fintech software development starts with your transaction flow and an agreed engineering scope.
- 120+Projects delivered across 12 countries since 2012
- 100+Senior in-house engineers, six countries
- 2 to 4 weeksTypical time from signature to start
- ISTQBISTQB-certified QA engineers
- ISO 27001Certified security practice, audited by Quay Audit UK
01Overview
Scope the first financial product release
Our fintech software development scopes the first release around its users, existing systems and the financial records it must produce. Sample transactions define how ledgers and reconciliation will be checked when your team accepts the software.
- Move and record moneyA ledger records the value moving through your product. Reconciliation checks that record against the provider's.
- Provider and rail integration
- Ledgers and reconciliation
- Retries and idempotent processing
- Know who you are dealing withA person or company moves through onboarding with a record of the checks and decisions made.
- Onboarding flows
- Screening provider integration
- Decision records
- Document the controlsAccess and release decisions leave a record your product, security and compliance teams can review.
- Least-privilege access
- Audit logging and retention
- Release approval
- Financial-services websitesWe delivered four corporate websites for one financial-services group. All four passed internal reviews.
02Ownership
Agree responsibilities before the financial build
A provider's service and your product's compliance responsibilities need separate definitions before we scope the engineering.
| Control area | Responsibility to confirm | Engineering scope |
|---|---|---|
| Cardholder data under PCI DSS | Merchant and payment provider | Hosted fields and tokenization can reduce card-data scope. The merchant retains applicable PCI DSS responsibilities, including oversight of the provider. We map the card-data flow and implement the agreed boundary.Security engineering and readinessOr book a meeting |
| Holding and settling client money | Financial partners and your product team | Where a bank or regulated provider handles custody and settlement, we connect its services and reconcile transaction records against its statements. Your compliance team confirms the operating model and permissions.Ledger and reconciliation buildsOr book a meeting |
| Identity checks and sanctions screening | Screening provider and your compliance team | A specialist service can supply checks; your policies determine decisions and reviews. We build onboarding, consent capture and a record of screening inputs and outcomes.How we integrate vendor APIsOr book a meeting |
| Access to production and the audit trail | Product owner and engineering partners | Agree which roles reach live data, what the audit log retains and how releases are approved. We implement and test the controls included in the engineering scope.Environments, access and release controlOr book a meeting |
| Applicable regimes and permissions | Your compliance officer or counsel | Your compliance team confirms the requirements for the product and its markets. We translate those requirements into architecture, acceptance criteria and a defined engineering scope.Turning that answer into scopeOr book a meeting |
03Solutions
The financial workflows we build and extend
We scope each financial workflow around the record it creates and the people who use it.
We build transaction records that can be checked against provider statements and invoices. Reconciliation highlights exceptions for the team responsible for resolving them.
- Right when
- Transaction records need a consistent reconciliation path
We assess an existing financial codebase and extend the parts that support the next release. The takeover plan covers data continuity and the changes needed to keep delivery moving.
- Right when
- An unfinished platform needs an accountable engineering partner
We connect provider APIs and the payment rails that carry transactions between institutions. Webhooks and retry handling keep provider events tied to the right transaction in your system of record.
- Right when
- Provider events need to agree with your transaction records
We build private trading platforms with negotiation, communication and contract signing in one place. Access rules define what each party can see and do; smart contracts can record an agreement where the requirements call for them.
- Right when
- Trading partners need a shared workflow with distinct permissions
We integrate the screening provider into the onboarding flow and build the agreed roles and permissions. Decisions and access changes remain traceable as the product evolves.
- Right when
- Access rules change faster than features
We build portals, corporate sites and reporting interfaces with exports for customers and advisers. Accessibility requirements and technical QA are agreed within the scope of the engagement.
- Right when
- Procurement asks about accessibility
04Controls
Financial-product controls and the engineering behind them
We turn the requirements confirmed for your financial product into controls that can be implemented and reviewed.
Cardholder data under PCI DSS
We map where cardholder data enters the product and what the payment provider handles, then build the controls within the agreed PCI DSS scope.
- In a build
- Scope decided before the schema
Strong customer authentication under PSD2
Where PSD2 and strong customer authentication apply, we design the provider handoff and consent records around the relevant customer flow.
- In a build
- Consent stored, versioned and revocable
KYC, AML and the decision record
Where identity checks or transaction monitoring are required, we integrate the chosen service and record screening inputs, outcomes and review decisions.
- In a build
- Screening inputs linked to review decisions
Payment messaging and ISO 20022
For payment rails using ISO 20022, we map the required fields into provider messages and transaction records, including the remittance data needed for reconciliation.
- In a build
- Message fields mapped to transaction records
Personal and financial data under GDPR
We scope access, retention and erasure for personal and financial data against your agreed requirements, including any financial-record retention obligations.
- In a build
- Retention modelled per data class
Operational resilience under DORA
For products subject to DORA, we translate agreed ICT risk, incident-reporting and testing requirements into the engineering scope and operational documentation.
- In a build
- Operational requirements carried into delivery
ISO 27001:2022 and ISO 9001:2015
unicrew holds information-security and quality-management certifications, both renewed through a multi-stage audit with Quay Audit UK. These credentials describe our company and management systems.
- What it gives you
- Company credentials for your security review
ISTQB-certified QA engineers
unicrew has ISTQB-certified QA engineers. We agree the QA scope for your financial product, including transaction and exception scenarios, as part of the engagement.
- What it gives you
- Agreed coverage for financial workflows
Least-privilege access on build engagements
For build engagements, access is agreed with your technical contact and read-only wherever the work allows. We work inside your cloud where required. Takeover and support access is agreed separately.
- What it gives you
- No production writes during build discovery
Security readiness and implementation
For ISO 27001, GDPR, PCI DSS and NIS2 readiness work, we scope risk assessment, secure architecture and secure development lifecycle (SDLC) changes as a separate engagement. Our engineers implement the agreed changes in your codebase.
Fintech compliance is about how the team works. In the first sprint we agree with you who can reach live customer data, what is logged and who approves releases. At that stage those rules cost almost nothing, and they are what the auditor checks.
Tural MamedovChief Executive Officer, unicrew05Delivery
How we build fintech software, one transaction at a time
We sequence the financial build around a complete transaction, from the provider response to a record your team can reconcile.
- Map data and provider boundariesWe identify the data your product holds and the services supplied by each provider. Your compliance team's requirements become explicit inputs to the architecture and scope.You getA written data and scope boundary, per regime
- Agree access and release controlsWe define production roles, audit-log retention and release approval with your technical contact. Those decisions guide the environments and delivery process.You getDocumented environments, roles and release controls
- Build and reconcile a transactionWe implement the movement or recording of value, then test provider responses and retries. Idempotent processing treats a repeated request as the same operation; reconciliation checks the resulting records.You getA working transaction flow with reconciled records
- Test, accept and hand overWe test the agreed transaction and exception scenarios, document how the system runs and review release acceptance with your team. QA roles and any security testing are scoped to the engagement.You getAccepted software and operating documentation
06Proof
Financial platforms extended and customer services launched
- An unfinished financial platform, extendedWe extended an unfinished MySQL, ASP.NET MVC and C# bookkeeping platform for a London financial-advisory firm, under our former Artelogic brand. Its Head of Product writes in his Clutch review: "Artelogic has put the best systems in place to ensure that all our data was encrypted correctly and that all user accounts were securely protected". Asked where we could improve: "I can't point to anything that Artelogic could do better". Case study.2verified reviews from financial-services clients
- Four financial-services sites, delivered and reviewedWe built four corporate websites for a German financial-services group, implementing front end and back end, accessibility, responsive layouts, analytics and technical QA. Its Senior UI/UX Designer writes: "All four websites have successfully passed internal reviews and are online. The accessibility scores are top-notch, and the user engagement is higher."4corporate sites delivered for a financial-services group, the client's count
- A private trading platform with configurable accessWe built a private B2B trading platform from a commodities trader's requirements document, with Ethereum smart contracts and an integrated CRM. The application used independent Node.js microservices; IPFS handled data exchange between the backend and blockchain. Additional access-policy requirements during the pilot led to configurable features, revised roles and alternative user flows. In an April 2022 review, the client reported a development team of 14 people, including backend and frontend developers and QA specialists.3published financial-software builds
07Client voices
What financial-services clients say
Even though Artelogic didn’t have a background in this area, they learned quickly and repurposed technologies they’d used before in order to solve the business problem. I was very impressed with this ability, as most of the people we contacted before implied that they’d need to spend a lot of time of trying to understand our business logic.
All four websites have successfully passed internal reviews and are online. The accessibility scores are top-notch, and the user engagement is higher. They’ve delivered on time, been flexible when we needed adjustments, and made the entire collaboration feel smooth and supportive.
08Case studies
Financial software we have built
Explore the implementation choices behind our financial-platform and customer-service work.
See all case studies
FintechAccounting Software Integration & Automation for a Financial Advisory CompanyBookkeeping reconciliation automated in an application unicrew took over, with no issues reported as transaction sizes grew in testing.
TradingTrading software with smart contractsOur client, an experienced commodities trader, came to unicrew with a detailed PRD (Product Requirements Document) to develop the trading platform.- FintechFour corporate websites for a financial-services group, with accessibility included in the buildunicrew handled the technical build of four corporate websites for a German financial-services group, with accessibility implementation, responsive layout and technical QA included in the scope.
09Questions
Questions about fintech software development
Your compliance team confirms the product's obligations; we scope and implement the engineering controls you agree with us.
Providers can supply card processing or identity checks, but outsourcing a service does not remove your applicable responsibilities. For PCI DSS, hosted fields and tokenization can reduce card-data scope while merchant responsibilities remain. We map those boundaries alongside product access, audit records and release approval before defining the build.
We quote against your scope using three engagement models.
- Time and materials, billed hourly and quoted per project.
- Fixed price, quoted per project against an agreed outcome.
- Team extension, billed monthly per team member.
The model depends on how firmly the scope is defined. Team extension has no recruitment or placement fee. Fixed-scope work includes a post-launch warranty, with its length agreed per contract.
Most engagements start within two to four weeks. Total delivery time depends on the agreed scope and provider dependencies.
Discovery establishes the delivery sequence around the transaction flow and its acceptance criteria. Access to provider APIs, security reviews and any platform takeover are scoped before we commit to a release plan.
Yes. We scope integrations with payment providers, banking APIs and existing ledgers around the interfaces they expose.
We review sample messages and provider access, then define how transaction states and records map between systems. Webhooks, retries and idempotent processing are designed and tested for the agreed flow; reconciliation checks the records afterwards.
Yes. We assess the existing code, data model and release process before planning the extension.
The first scope identifies what can stay, what needs to change and how the existing records remain usable during delivery. Access for takeover and support work is agreed separately from a new build.
unicrew holds ISO 27001:2022 for information security and ISO 9001:2015 for quality management, both renewed through a multi-stage audit with Quay Audit UK, and has ISTQB-certified QA engineers.
These are company credentials. Your compliance team identifies the product requirements; we scope engineering and QA against them, including PCI DSS where applicable.
Yes. We scope blockchain and smart contracts where the product needs a shared, independently verifiable record.
Discovery identifies the specific agreement or transaction that belongs on-chain and how it connects to the application. We compare that with a conventional ledger and audit trail against ownership, change control and operating requirements.
Scope your next financial product release
Bring the transaction flow, existing platform and provider list. We will use the discovery call to define the engineering questions and agree what the next stage should cover.
What happens after you contact us
- We reply within one business dayInclude your transaction flow and the providers involved.
- A call about the productWhat moves money, who holds it, and which providers are already in the picture.
- Scope and engagement model, in writingPriced as time and materials, fixed price, or team extension.
- NDA, then discoveryMost engagements start within two to four weeks of signature.