Customers want approval today. Regulators want a complete file.
Banks, finance companies, insurers and fintech startups compete on how quickly a customer can open an account or get approved, and every step of that journey is regulated. We build the apps, document checks and back-office automation, with an audit trail throughout.
What gets in the way
KYC documents checked by hand
IDs, salary certificates, bank statements and commercial registrations are read and matched one by one before an application moves forward.
Applicants who give up halfway
Long forms, repeated uploads and unclear status messages make customers abandon onboarding on mobile before they finish.
Products built under a regulator's eye
Startups in regulatory sandbox programs need a working product, security testing and clear documentation for the regulator at the same time.
Reconciliation across payment methods
Payments through mada, cards, Apple Pay, STC Pay and bank transfers settle on different schedules and are matched against the ledger in spreadsheets.
Where we usually start
- Document processingKYC and loan documents read on upload, cross-checked against the application, with inconsistencies sent to a reviewer.
- Mobile app developmentBanking, wallet and lending apps for iOS and Android, with Arabic right-to-left screens and secure login designed in from the first build.
- MVP developmentA first fintech product scoped around real customers and the conditions of your license or sandbox, ready for testing and review.
- Workflow automationReconciliation, approvals and exception queues automated with a record of who did what and when.
- Conversion optimizationAnalysis of where applicants drop out of onboarding, with tested changes to forms, steps and messages.
- Website securitySecurity reviews, hardening and penetration test follow-up for customer-facing websites and portals.
Questions we are often asked
Do you build to regulator requirements?
Your compliance team's requirements become part of the specification, including data residency, access controls, logging and security testing. Regulatory approval itself stays with your firm.
Can AI make credit or claims decisions?
We design AI to prepare and check the file, not to make the final call. It extracts data, flags inconsistencies and summarizes the case, and a person with authority approves it.
Can you integrate open banking and payment gateways?
Yes, where the bank or provider makes an API available to you. We build payment, account data and payout integrations with logging, retries and reconciliation.
Can you take a fintech idea to a first version?
Yes. We scope the smallest product that works for real customers within the regulatory conditions you operate under, build it, and plan the releases that follow.
Tell us what you want to build, fix or grow
We reply within one working day with questions or a short plan.