02 /
EXPERTISE
— Expertise / FINTECH
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.
I
— Our focus
Our focus extends to a multitude of digital financial products.
Neobanking & Online Banking
Payments & Digital Wallets
Financial Processing
Investments Management
Mobile Banking Apps
Trading & Currency Exchanges
II
— Trust
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.
III
— Expertise
Build your top-notch fintech product.
Fintech core
Payments, accounting and orchestration.
01
Strict double-entry accounting and multi-asset accounts
02
Card, A2A and P2P payment rails
03
Transaction orchestration and reconciliation
04
Authorisation and risk policy engines
05
Payment processing and settlement
Integrating data providers
API integrations, data sync, aggregation.
01
Third-party API and data-source integration
02
Synchronisation, throttling and back-pressure
03
Data aggregation and normalisation
04
Data quality assessment and lineage
05
Real-time event streams across providers
Loan products
BNPL, savings and loyalty programs.
01
BNPL, instalments, overdrafts and microloans
02
Savings and target-savings accounts
03
Loan contract monitoring and dunning workflows
04
Loyalty programs and cashback engines
05
Underwriting and decisioning automation
Operator workstations
UX, backoffice and customer comms.
01
Backoffice systems for operations teams
02
User communication and notification subsystems
03
Role-based access and audit trails
04
Case management and incident workflows
05
Customer-facing UX grounded in real banking
KYC, AML & compliance
Onboarding, identity checks, AML.
01
KYC workflows with secure PII storage
02
Identity-provider and document verification
03
AML pipelines and ongoing monitoring
04
Case management and incident workflows
05
Regulatory reporting (BaFin, FCA, MiCA, PCI-DSS)
AI & algorithms
Intelligence built into every layer
Risk management and fraud detection
Decisioning engines for lending and limits
Voice and image processing pipelines
Access control and PII protection
Sentiment analysis on customer signals
Document AI for onboarding and claims
Data lineage and model governance
Production drift and quality monitoring
IV
— Services
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.
01
Product Design
We help you decide what to build and how it should look and feel — turning ideas into clear designs people enjoy using.
02
Architectural Consulting
We review how your software is built and show you how to make it safer, faster, and ready to grow.
03
Fintech Application Development
We help you decide what to build and how it should look and feel — turning ideas into clear designs people enjoy using.
04
Dedicated Teams Integration
We give you a team of fintech experts that joins yours and works as part of it — no long onboarding needed.
05
Maintenance and Support
Once your product is live, we keep it running smoothly, fix issues fast, and make sure customers never feel the bumps.
06
Migration from Legacy
We move your old systems to modern technology, so everything runs faster and is ready for AI and new features.
— Contact
Let's get started.
Tell us where you want AI to land in your business. Book a call and we'll bring the right people from our team.