Building up a Comprehensive Fintech Application
Building comprehensive fintech applications — digital banking, payments, lending and compliance, built to meet financial regulations.
Aterise has maintained its focus on fintech for over a decade — architecting digital banking, payment platforms and trading systems trusted by banks, neobanks and global fintech players.
We know the technology, but we also know how banks and money work in real life. That's how we turn early ideas into real products people and regulators can trust.
Our focus extends to a multitude of digital financial products.
Trusted by Industry Leaders
Over a decade architecting digital banking, payments and trading systems for banks, neobanks and global fintech players.
From big established banks to new startups — we build products that are safe, ready to grow, and reliable enough to handle people's money.
Payments, accounting and orchestration.
- 01Strict double-entry accounting and multi-asset accounts
- 02Card, A2A and P2P payment rails
- 03Transaction orchestration and reconciliation
- 04Authorisation and risk policy engines
- 05Payment processing and settlement
API integrations, data sync, aggregation.
- 01Third-party API and data-source integration
- 02Synchronisation, throttling and back-pressure
- 03Data aggregation and normalisation
- 04Data quality assessment and lineage
- 05Real-time event streams across providers
BNPL, savings and loyalty programs.
- 01BNPL, instalments, overdrafts and microloans
- 02Savings and target-savings accounts
- 03Loan contract monitoring and dunning workflows
- 04Loyalty programs and cashback engines
- 05Underwriting and decisioning automation
UX, backoffice and customer comms.
- 01Backoffice systems for operations teams
- 02User communication and notification subsystems
- 03Role-based access and audit trails
- 04Case management and incident workflows
- 05Customer-facing UX grounded in real banking
Onboarding, identity checks, AML.
- 01KYC workflows with secure PII storage
- 02Identity-provider and document verification
- 03Customer onboarding flows that convert
- 04AML pipelines and ongoing monitoring
- 05Regulatory reporting (BaFin, FCA, MiCA, PCI-DSS)
Intelligence built into every layer
We provide full-cycle service.
From discovery and architecture to development, integration and long-term support — one partner across the lifecycle of your fintech product.
Product Design
We help you decide what to build and how it should look and feel — turning ideas into clear designs people enjoy using.
Architectural Consulting
We review how your software is built and show you how to make it safer, faster, and ready to grow.
Fintech Application Development
We build your product from scratch, or take what you already have and bring it up to modern standards.
Dedicated Teams Integration
We give you a team of fintech experts that joins yours and works as part of it — no long onboarding needed.
Maintenance and Support
Once your product is live, we keep it running smoothly, fix issues fast, and make sure customers never feel the bumps.
Migration from Legacy
We move your old systems to modern technology, so everything runs faster and is ready for AI and new features.
Let's get started.
Tell us about your product. Book a call and we'll bring the right people from our fintech team.