Fintech software development company

AI-Native Fintech
Product Engineering

White-label products and embedded product-engineering teams
built for production, compliance, and long-term scale.

11+years in fintech·

100+regulated projects·

€10B+processed

Talk to us View our projects

PSD3

PCI DSS

ISO 27001:2023

ISO 9001:2015

GDPR

PSD3

PCI DSS

ISO 27001:2023

ISO 9001:2015

GDPR

PSD3

PCI DSS

ISO 27001:2023

ISO 9001:2015

GDPR

PSD3

PCI DSS

ISO 27001:2023

ISO 9001:2015

GDPR

Build

Ship a regulated fintech product — from compliance architecture to production go-live.

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Accelerate

Deploy pre-built fintech infrastructure under your brand — white-label neobank, core payments, PFM.

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Scale

Get a dedicated fintech team — engineers, designers, QA, DevOps, and product specialists.

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AI transformation

Embed AI agents, copilots, and ML pipelines into existing fintech products — securely, with full audit and compliance.

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Trusted by licensed fintech companies and global enterprises

What we offer

Fintech Software Development

We integrate advanced artificial intelligence (AI) and machine learning (ML) technologies to enhance the functionality of financial platforms. From AI discovery to full integration, we deliver intelligent decision-making, predictive analytics, and personalized user experiences.

MobileWebBack-EndCloud EngineeringFinOpsQA AutomationProduct Design

White-Label Fintech Platforms

Launch in weeks, not months. Your brand, our compliance-tested infrastructure underneath.

NeobankPFMCore BankingPaymentsAcquiringCryptoInvoicingInsurance TechInvestmentsLending

Dedicated Fintech Teams

Power up your team with engineers who speak fintech. Senior developers, architects, products, QA, designers. Embedded into your roadmap and delivery cycle.

Full teamsIndividual expertsLong-term or project-based

AI Transformation

Two tracks: streamline your operations with AI workflows or build AI capabilities directly into your fintech product. From document verification to transaction monitoring to predictive analytics.

Internal operationsProduct-embedded AIFintech-specific models

Advisory & Consulting

Independent expertise when it matters most. Architecture reviews, compliance assessments, software audits, and strategic consulting, whether you're starting a new product, scaling an existing one, or evaluating what you already have.

DiscoveryArchitecture reviewCompliance assessmentSoftware auditTechnical due diligence

What “AI-Native” means at Kindgeek

AI isn’t an add-on. It's part of how we design, build, test, and ship fintech systems, from the first concept through to production. Four layers and one guiding principle: AI accelerates delivery without compromising compliance.

Layer 1: AI in Design & Conceptualization

AI speeds up the product design phase: rapid UI concept generation, interactive prototyping, and automated design-to-spec handoff. What used to take weeks of wireframing can now produce testable concepts in a matter of days.

Layer 2: AI in Engineering

AI is a core part of daily engineering work, spotting fintech risks (PCI exposure, key handling, audit gaps) during code review and generating tests for edge cases (partial refunds, currency rounding, timeouts) manual QA often misses.

Layer 3: AI in Compliance & Testing

Automated checks against PCI DSS, DORA, and GDPR are integrated into every pull request, ensuring continuous compliance. AI-powered test suites validate KYC, AML, and transaction monitoring scenarios and flag gaps before audits do.

Layer 4: AI in Client Products

AI capabilities are part of your live, user-facing features, supporting KYC document verification, transaction anomaly detection, fraud scoring, and automated compliance reporting.

Why you need us

Fintech-Focused

All our projects are regulated fintechs. Every engineer has already shipped compliant products. No onboarding on PSD2, SCA, or scheme certification.

Compliance Built Into Architecture

PCI DSS segmentation, DORA Article 6 resilience testing, and GDPR data residency guide architecture decisions from sprint zero.

Ship on Real Rails, Not Sandbox

Deploy fintech infrastructure under your brand with integrated payment processors, card networks, and banking APIs. Live on rails that process real money.

Partnerships, Not Projects

70% of our clients come from referrals. Average partnership: 2+ years. Our success is tied to yours: products that run in production, not just pitch decks.

Certified Quality & Security

ISO 9001 for quality management, ISO 27001 for information security. Audited processes in every sprint and deployment.

AI-Native Engineering

AI integrated into design, code review, testing, and compliance workflows. Your team gets the efficiency of a fully AI-enabled engineering culture.

A glance at our fintech portfolio

Country: UK

Domain: FinTech

View caseView case

Decta is an all-in-one self-service platform for small and medium businesses.

Decta

Country: Cyprus

Domain: FinTech

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A payment product ecosystem that provides efficient and secure payment processing.

payabl.

Country: UK

Domain: FinTech

View caseView case

A banking app with a digital credit card and a simple credit management system without bureaucracy.

Jaja Finance

View all fintech casesView all fintech cases

Build your product with us

Let's turn your idea into a robust and scalable solution.

Delivering high-quality fintech solutions

David Ramsay

Head of Engineering, COO Decta UK

Aivars Belis

CTO, Decta UK

Thekla Paschali

CTO, payabl.

James Vogel

Owner, Digitech Venture Capital Fund

Amaar Khan

Product Owner, Jaja Finance

Vishnu Kumar

Chief Financial Engineer, The Interface Financial Group

Camilla Fielsøe van Dijk

CEO, Seeknspeak

The first thing I can outline immediately is that the team is working hard to deliver results. And they are delivering ideas and possible solutions for problems, not just waiting for us to say exactly what to do.