Fintech Software Engineered for Speed, Security, and Scale
Custom Payments, Lending & Trading Platform Development
From digital wallets and open-banking APIs to lending origination systems and trading dashboards, Matlab Infotech builds fintech products that move money reliably, satisfy regulators, and win customer trust. Our engineers have shipped payment infrastructure processing millions of transactions per month.
99.99%
Transaction uptime SLA
< 200ms
Average API response time
10M+
Transactions processed monthly
50%
Faster loan origination cycle
Common Challenges
We understand your business pain points
Before we write a single line of code, we study how Fintech & Banking businesses operate — and where technology can remove the biggest friction.
Regulatory Complexity
PCI DSS, PSD2, AML, and KYC requirements vary by jurisdiction, creating compliance burdens that slow feature delivery if not architected upfront.
Fraud & Security Threats
Account takeover, card-not-present fraud, and synthetic identity attacks require layered real-time detection beyond basic rule engines.
Legacy Core Banking Integration
Connecting modern microservices to decades-old core banking systems via SWIFT, ISO 20022, or proprietary FIX protocols demands specialist middleware.
Real-Time Settlement Expectations
Customers expect instant payments. Achieving real-time gross settlement across card networks, ACH, and faster-payment rails requires carefully orchestrated event-driven architecture.
Data Silos Blocking Analytics
Risk, credit, and marketing teams each hold fragments of customer data in incompatible systems, preventing the 360° view needed for personalisation and underwriting.
Scaling Under Peak Load
Black Friday, payroll cycles, and market-open events create 100× traffic spikes that overwhelm systems designed for average load.
What We Build
Full-Stack Fintech & Banking Software Solutions
Digital Wallet & Payment Apps
P2P transfer, QR-code payments, multi-currency wallets, and virtual card issuance with real-time balance updates and spend analytics.
Payment Gateway Integration
Custom payment gateway development and Stripe, Adyen, Braintree integration with intelligent routing, retry logic, and decline recovery.
Lending Origination Platforms
End-to-end loan origination, underwriting decisioning, e-sign, and servicing workflows that cut approval times from days to minutes.
Open Banking APIs
PSD2-compliant account-information and payment-initiation APIs with OAuth 2.0, consent management, and third-party provider (TPP) sandboxes.
Trading & Investment Dashboards
Real-time order books, portfolio trackers, algorithmic-trading interfaces, and charting platforms built for latency-sensitive environments.
KYC / AML Automation
Document OCR, liveness detection, sanctions-list screening, and risk-scoring pipelines that onboard customers in under 3 minutes.
Fraud Detection Engine
ML-based behavioural analytics and rule engines that score transactions in real time, reducing false positives while blocking genuine fraud.
Core Banking Microservices
Account management, general ledger, interest calculation, and statement generation modules that modernise legacy cores without a big-bang re-write.
Our Expertise
Fintech & Banking Technology Capabilities
Features
Features We Implement
Real-Time Transaction Monitoring
Sub-second transaction scoring with configurable rule sets and ML models that adapt to emerging fraud patterns without redeployment.
Multi-Tenant White-Label SDK
Embed payment, KYC, and wallet functionality into any third-party app via a branded white-label SDK with full API control.
Automated Reconciliation
Daily automated reconciliation across card networks, bank feeds, and internal ledgers with exception flagging and one-click resolution.
Tokenisation & Encryption
PAN tokenisation, point-to-point encryption (P2PE), and HSM integration to remove card data from scope and minimise PCI DSS footprint.
Dynamic Risk-Based Authentication
Step-up authentication triggered by risk signals — geolocation anomaly, device change, unusual amount — without adding friction to normal sessions.
Configurable Fee Engine
Flexible fee and pricing engine supporting interchange-plus, flat-rate, tiered, and subscription models with real-time revenue attribution.
Customer 360 Dashboard
Unified customer view combining transaction history, product holdings, risk scores, and support tickets for customer-success and compliance teams.
Regulatory Report Builder
Automated generation of CTR, SAR, and CCAR regulatory reports with data lineage tracking and submission-ready XML/XBRL outputs.
Technology Stack
Tools & Technologies We Use
Frontend
- React
- Next.js
- TypeScript
- D3.js
Backend
- Node.js
- Java Spring Boot
- Go
- Kafka
Cloud & Data
- AWS
- PostgreSQL
- TimescaleDB
- Redis
Integrations
- Stripe
- Plaid
- Adyen
- Twilio Verify
Compliance & Security
Built to the highest standards
Every Fintech & Banking solution we build is engineered with compliance and security at its core — not as an afterthought.
PCI DSS Level 1
Card-data environment scoping, tokenisation, and network segmentation meeting the highest PCI DSS tier.
PSD2 / Open Banking
Strong customer authentication (SCA), consent APIs, and TPP onboarding compliant with EBA RTS.
AML / KYC (FATF)
Customer due-diligence workflows, transaction monitoring, and SAR filing aligned with FATF 40 Recommendations.
SOC 2 Type II
Annual third-party audits covering availability, confidentiality, and security controls.
GDPR / CCPA
Data-subject rights APIs, consent ledgers, and right-to-erasure pipelines for financial customer data.
How We Work
Our Development Process
A proven, repeatable process shaped around reducing risk and shipping quality software on time.
Discovery & Planning
We align on goals, user needs, compliance requirements, and technical constraints before writing a single line of code.
UI/UX Design
Research-led wireframes and interactive prototypes validated with real stakeholders before development begins.
Agile Development
Iterative two-week sprints with working demos, automated testing, and a shared staging environment you can access anytime.
QA & Testing
Manual exploratory, automated regression, performance, and security testing baked into every sprint — not bolted on at the end.
Launch & Support
Zero-downtime deployments, monitoring setup, team training, and a 90-day support window to ensure a smooth go-live.
Why Matlab Infotech
Why clients choose us
Dedicated Team
A focused team assigned exclusively to your project — no shared resources, no context switching.
Agile Development
Two-week sprints with working demos every cycle so you always know exactly where your product stands.
Flexible Hiring
Fixed-scope, dedicated, or hourly — choose the engagement model that fits your budget and timeline.
NDA Protection
Full IP ownership, signed NDAs before any work starts, and secure development environments throughout.
Fast Communication
Slack-first async culture with daily updates and a dedicated PM keeping you in the loop at every step.
Post-launch Support
90-day warranty on all launches plus flexible retainer plans to keep your product evolving post-release.
Timezone Overlap
Offices in India, Canada, and Ireland mean real working-hours overlap with North America and Europe.
Market Insights
Fintech & Banking by the numbers
20+
Fintech Clients Served
Neobanks, payment processors, and lending platforms across 3 continents.
$2B+
Payment Volume Processed
Aggregate transaction value flowing through platforms we have built and maintained.
< 1%
Fraud Rate on Our Platforms
Industry-leading fraud rates achieved through layered ML detection.
3 min
KYC Onboarding Time
Average end-to-end customer verification time on our automated KYC pipelines.
Testimonials
What our clients say
"They rebuilt our payment reconciliation engine from scratch and delivered it two weeks ahead of schedule. Zero critical issues in 18 months of production."
Priya Nair
Head of Engineering, FlowPay
"Matlab Infotech's fraud detection module cut our false-positive rate in half. Their team understood card-network nuances that most vendors don't even know exist."
David Ashworth
Chief Risk Officer, Nexus Lending
FAQ
Frequently asked questions
Do you build PCI DSS-compliant payment systems?
Yes. We architect card-data environments with tokenisation, P2PE, and network segmentation to achieve and maintain PCI DSS Level 1 compliance.
Can you integrate with Stripe, Adyen, or Braintree?
Absolutely. We have production integrations with all three, as well as Plaid, MX, and direct bank APIs for ACH and real-time payments.
How do you handle real-time fraud detection?
We implement a layered approach: rule-based pre-screens, ML behavioural-scoring models, device fingerprinting, and velocity checks — all returning a decision in under 50ms.
Can you modernise our legacy core banking system?
Yes, using a strangler-fig pattern. We wrap the legacy core with modern microservices APIs and gradually migrate functionality without downtime or a big-bang rewrite.
What is your approach to KYC/AML automation?
We integrate OCR document verification, biometric liveness checks, sanctions-list screening (OFAC, UN, EU), and PEP databases into a configurable decisioning workflow.
Do you support multi-currency and multi-jurisdiction deployments?
Yes. Our ledger architecture supports multi-currency balances, FX conversion, and jurisdiction-specific tax and reporting rules from a single codebase.
How do you ensure high availability for payment-critical systems?
We use multi-AZ deployments, active-active database clusters, circuit breakers, and chaos engineering to achieve 99.99% uptime SLAs.
Can you build a white-label banking product?
Yes. We build multi-tenant white-label platforms with configurable branding, fee models, and product catalogues that BaaS providers and neobanks can resell.
What regulatory reporting formats do you support?
We generate CTR, SAR, CCAR, FINREP, and COREP reports in XML, XBRL, and CSV formats, with full data-lineage documentation for examiner review.
How do you price fintech projects?
Complex fintech projects typically start with a paid discovery sprint (2–3 weeks) to define architecture and risk before a fixed-price or retainer engagement.
Ready to Build Payments Infrastructure That Scales?
Tell us about your fintech product. We'll design a secure, compliant architecture in a free technical discovery session.
Let's Collaborate
Tell us about your project and we'll come back with a plan, a timeline, and a quote.