How deep is your experience in Financial services?

38 projects delivered in this sector. We staff engagements with engineers and delivery leads who've already shipped in Financial services — the domain literacy is learned, not looked up.

Which Financial services regulations and standards are you familiar with?

We work to PSD2, DORA, MiFID II, FAPI 2.0, PCI DSS, and the relevant local regulators. Every engagement starts with a compliance review so there's no ambiguity about which regimes apply, and every release ships with the audit trail your compliance team needs.

Can you integrate with our existing Financial services systems?

Yes — most of our engagements connect to core banking, payment rails (ISO 20022, SWIFT), KYC/AML vendors, and trading venues. We adopt your existing integration patterns rather than imposing a new one, and we write data contracts before we write integration code.

How do you handle the scale and reliability demands of Financial services?

We design for high-availability (three-nines-plus), audit-grade logging, and zero-downtime migrations from day one, not as a post-launch afterthought. Performance budgets, SLO commitments, and ops runbooks are written into the statement of work.

Can we work with a dedicated team, or is it staff augmentation?

Either. Financial services engagements run under all three of our engagement models — dedicated teams, offshore development centres, or embedded staff augmentation. We pick the shape that matches your operating model, not our preferred one.

How quickly can you start a Financial services engagement?

Discovery typically runs two to four weeks from first call to signed statement of work. First-engineer start dates follow within another week or two. The exact timeline depends on the shape and on the clearance or onboarding your environment requires.

Sector · Financial services← All industries

Financial-services engineering
that survives the audit.

Core banking, payments, wealth, insurance. We engineer for the audit trail, the SLA, and the uptime number — because in financial services those are the same conversation.

projects in sector

16 yr

fintech experience

Audit-aware

engineering practice

High-availability

delivery targets

Selected clients · 2010 – today

Power to LiveRBM GlobalDragonflySquiblerMOOSainsbury'sMPCX-LinkPower to LiveRBM GlobalDragonflySquiblerMOOSainsbury'sMPCX-LinkPower to LiveRBM GlobalDragonflySquiblerMOOSainsbury'sMPCX-Link

What this sector teaches you

Velocity and audit are not trade-offs.

Financial services is the sector that most punishes sloppy engineering. Regulators want written architecture decisions. Auditors want reproducible deploys. Customers want zero downtime during a live migration. The teams that win here are the ones who design for all three from day one.

We've built core payment rails, open-banking surfaces, credit-decisioning models, and KYC platforms. The pattern is always the same: measure first, document more than feels comfortable, automate the evidence, and leave the system more maintainable than you found it.

Selected work

Things we've shipped
in finance.

A sample of what we've built in this sector. Client names omitted — we share them under NDA when you want to dig into a specific engagement.

Where you call us

The four problems we're hired to solve.

/01

Core modernisation without a big-bang cutover.

Strangler patterns, event bridges, dual-write reconciliation. We move you off the mainframe in 18 months without a single migration weekend.

/02

Regulatory platform build-outs.

PSD2, DORA, MiFID II, FAPI 2.0. We've implemented the spec on both sides — the consumer side and the provider side — and we know where vendors cut corners.

/03

Real-time risk and fraud.

Streaming pipelines that score every transaction under 120ms. Kafka, Flink, Redis, plus the ML models and the feedback loop. End-to-end, in production, at scale.

/04

High-throughput customer surfaces.

Mobile apps, open-banking portals, broker consoles. Designed to survive a market-open spike without the CTO paging engineering at 7am.

What we ship here

Four things we've built repeatedly.

/01

Payments platforms.

ISO 20022 rails, card-acquiring, open-banking payment initiation, stablecoin back-ends. From edge integration to settlement reconciliation.

/02

Credit and risk decisioning.

Real-time scoring services with model governance, challenger frameworks, and explainability surfaces regulators actually accept.

/03

KYC / AML platforms.

Onboarding flows, transaction monitoring, case management. Pluggable vendor integrations so you don't repeat the procurement cycle.

/04

Broker / wealth portals.

High-density data surfaces, live order books, portfolio analytics. Built for the advisor who doesn't tolerate UI lag.

How to engage

Three ways to work with us
in finance.

Pick the shape that matches the commitment. Each model ships the same engineering standard — the difference is in the commercial and operating fit.

Dedicated teams

A cross-functional pod owning a workstream end-to-end.

Offshore development centre

A fully-managed engineering arm built in-region.

Staff augmentation

Senior engineers plugged straight into your team.

Trusted by our clients

What partners
tell us.

Most clients renew for a second engagement. The ones who don't usually hire someone from our team to run the project in-house.

We are a mental health charity and not tech minded. We needed to improve our patient registration system but wanted a company that we can relate to. Hassan took the time to meet with me and patiently went through our process to find a personalised solution for us. Hassan's team did a great job streamlining our process and connected our registration system to our patient management software. Whenever we have a glitch, they resolve this quickly. Cloudini provides a personal and efficient service and we have adopted them to be our IT provider.

Tien Kuei

CEO · Power to Live Foundation

I am writing to wholeheartedly recommend Cloudini as a premier bespoke software development agency. Our journey with them has been nothing short of exemplary, far exceeding our initial expectations. While many agencies can develop based on strict specifications, Cloudini demonstrated an incredible commitment to our project that was truly unparalleled.

Robert McPherson

Managing Director · RBM Global Ltd

Dragonfly has been working with the team at Cloudini for several years now on building out our web-based platform and APIs. One of their strengths is quickly building out a multi-disciplinary team to work on the development and delivery of features with different technical requirements. Their support has allowed us to accelerate our development work without building an internal team. They have also worked seamlessly with other third parties both during the acquisition of Dragonfly and development of our mobile app. Cloudini has been instrumental in bringing our ideas to life and providing guidance to help us make the best technical decisions. I would recommend getting in touch with them if you're looking for support.

Rebecca Palser

COO · Dragonfly

Hassan and the Cloudini team have been indispensable partners as we rebuilt our client-facing applications into a single platform. As well as being exceptional technically, they consistently invest the time to understand the product and suggest how it can be enhanced and improved.

David Claridge

CEO · Dragonfly

Cloudini did some great work for Sainsbury's, bridging complex interactions between some older less flexible systems, some rigid vendor solutions and the new systems we were building. The software Cloudini developers wrote stood up well, long beyond the interim scope of it needing to work for 12-18m and was still in active use 5 years after its creation to good effect, since it was part of mission critical systems.

Fraser Pearce

Senior Engineering Manager · Sainsbury's

Finance · Frequently asked

Answers for financial services buyers.

38 projects delivered in this sector. We staff engagements with engineers and delivery leads who've already shipped in Financial services — the domain literacy is learned, not looked up.

Start here

Let's build
from here.

Thirty minutes with an actual engineer. No sales, no drip campaign. If we're the wrong fit we'll tell you and point you somewhere better.

Book a 30-min call info@enigmatixglobal.com

Response

Within one working day

Minimum

Two-week discovery

Financial-services engineeringthat survives the audit.

Velocity and audit are not trade-offs.

Things we've shippedin finance.

Paylink — connected commerce for Australian SMBs.

Ledger 02 — retail investment advisory.

Ledger 03 — AI agents meets Web3.

Ledger 04 — consumer loan origination.

Ledger 05 — mortgage affordability calculator.

Ledger 06 — privacy-first DeFi suite.

Ledger 07 — multichain trading & staking.

Ledger 08 — aerial utility monitoring.

Ledger 09 — NFT-collateralised lending.

InsuriCo — embedded insurance for banks.

Sales Navigator — AI revenue intelligence.

Ledger 12 — fuel price forecasting.

Ledger 13 — B2B trade credit payments.

Ledger 14 — decentralised data cloud.

Ledger 15 — DeFi insurance protocol.

Ledger 16 — financial scenario workbench.

Ledger 17 — multichain IDO launcher.

Ledger 18 — play-to-earn NFT marketplace.

Ledger 19 — field service scheduling.

Ledger 20 — sports team & league platform.

Ledger 21 — peer-to-peer rental marketplace.

SAMS — survey & asset management suite.

Banking App — mobile wallet & bill payments.

R.O.S.C.A — community savings circles.