Build Fintech ProductsThat Scale and Comply
Launch payment platforms, neobanks, and card programs with 200+ engineers who've built systems processing €10B+ annually. PSD2, MiCAR, and PCI DSS compliance engineered from day one.


Why Payments and Banking Software Is Hard to Get Right
Building fintech products requires deep domain expertise. Generic dev shops miss the nuances that make or break compliance and scalability.
Regulatory Complexity Keeps Growing
PSD2, PSD3, MiCAR, FCA requirements, and EMI licensing all add layers across markets. We architect compliance into your system from day one.
Integration Sprawl Slows Delivery
Card schemes, payment rails, core banking APIs, and KYC/AML providers all have their own certification paths. We've completed 50+ and know the shortcuts.
Time-to-Market Pressure Is Relentless
Investors and boards expect launches in months, rather than years. Our pre-built fintech accelerators and proven delivery frameworks compress timelines by up to 40%.
Senior Fintech Engineers Are Scarce
Finding developers who understand PCI DSS, Visa/Mastercard scheme rules, and SEPA payment rails is a different game. 80% of our team works exclusively in fintech.
Our Fintech Software Development Services
End-to-end engineering for payment companies, digital banks, and financial institutions, from architecture to production.
Payment Platform Development
PSP/acquiring platforms, payment orchestration, multi-rail routing (SEPA, Faster Payments, SWIFT), and merchant onboarding with scheme certification.
PSP/acquiring platforms, payment orchestration, multi-rail routing (SEPA, Faster Payments, SWIFT), and merchant onboarding with scheme certification.
Neobank & Digital Banking
Core banking architecture, account management, transaction processing, and mobile apps. EMI/PI infrastructure with built-in KYC, AML, and SCA flows.
Core banking architecture, account management, transaction processing, and mobile apps. EMI/PI infrastructure with built-in KYC, AML, and SCA flows.
Card Issuing Programs
Card issuing platforms, prepaid and credit programs, BIN sponsorship integration, and Visa/Mastercard certification. Launched in as little as 6 months.
Card issuing platforms, prepaid and credit programs, BIN sponsorship integration, and Visa/Mastercard certification. Launched in as little as 6 months.
BaaS & White-Label Platforms
BaaS infrastructure with customizable white label cores. Deploy branded neobank apps, digital wallets, or PFM platforms on a reliable foundation.
BaaS infrastructure with customizable white label cores. Deploy branded neobank apps, digital wallets, or PFM platforms on a reliable foundation.
Compliance & Security Engineering
PCI DSS–compliant architecture, PSD2/PSD3 SCA, GDPR-ready data handling, ISO 27001 best practices, and OWASP-aligned protection for financial systems.
PCI DSS–compliant architecture, PSD2/PSD3 SCA, GDPR-ready data handling, ISO 27001 best practices, and OWASP-aligned protection for financial systems.
Crypto & DeFi Infrastructure
Exchange platforms, digital asset custody, smart contract development, and MiCAR-compliant crypto service architecture for licensed CASP operations.
Exchange platforms, digital asset custody, smart contract development, and MiCAR-compliant crypto service architecture for licensed CASP operations.
From Architecture to Production in Sprints
01
Discovery & Architecture
02
MVP & Core Build
03
Integrations & Compliance
04
Launch & Certification
05
Scale & Optimise
Fintech Domain Expertise Built Over 11 Years
Every capability comes from actual project experience, not theoretical knowledge alone.

PSD2/PSD3 & Open Banking
Article 97 SCA flows, consent management, TPP connectivity, PIS/AIS integrations.
Article 97 SCA flows, consent management, TPP connectivity, PIS/AIS integrations.

Visa & Mastercard Scheme Certification
Card program setup, BIN management, scheme-compliant processing, certification guidance.
Card program setup, BIN management, scheme-compliant processing, certification guidance.

Multi-Rail Payment Routing
SEPA, Faster Payments, SWIFT, A2A transfers, smart payment orchestration.
SEPA, Faster Payments, SWIFT, A2A transfers, smart payment orchestration.

KYC, AML & Transaction Monitoring
Identity verification, sanctions screening, risk scoring, regulatory reporting pipelines.
Identity verification, sanctions screening, risk scoring, regulatory reporting pipelines.

MiCAR & Crypto Compliance
Custody architecture, CASP licensing prep, digital asset management systems.
Custody architecture, CASP licensing prep, digital asset management systems.
Fintech Companies That Choose Kindgeek
A Tech Stack Built for Scale and Regulatory Complexity
Our architectural choices are guided by the needs of fintech: security, auditability, and high availability.
Backend
Java · .NET · Node.js · Python
Java · .NET · Node.js · Python
Frontend
React · Angular · React Native · Flutter
React · Angular · React Native · Flutter
Cloud
AWS · Azure · GCP · Kubernetes
AWS · Azure · GCP · Kubernetes
Data
PostgreSQL · MongoDB · Redis · Kafka
PostgreSQL · MongoDB · Redis · Kafka
Payment Rails
SEPA · Faster Payments · SWIFT · A2A
SEPA · Faster Payments · SWIFT · A2A
Card Schemes
Visa · Mastercard · AmEx · UnionPay
Visa · Mastercard · AmEx · UnionPay
Security
PCI DSS · ISO 27001 · SOC 2 · OWASP
PCI DSS · ISO 27001 · SOC 2 · OWASP
Compliance
PSD2/PSD3 · MiCAR · GDPR · FCA
PSD2/PSD3 · MiCAR · GDPR · FCA
Identity & Access
Keycloak · OAuth 2.0 · OpenID Connect · SAML
Keycloak · OAuth 2.0 · OpenID Connect · SAML
More Than a Decade of Fintech Delivery
While the app has not yet launched, testing yielded positive results. Kindgeek is open to feedback, facilitating a collaborative working relationship. Their team is dedicated and resourceful.
Build your fintech product with engineers fluent in payment solutions
Tell us about your project, and we'll respond within 24 hours with a technical perspective and team recommendation.






