INDUSTRY-LEADING SOLUTIONS
Finance
Solutions
End-to-end financial software engineering from an elite e wallet app development company — delivering everything from PCI DSS-compliant payment infrastructure and AI-powered trading platforms to digital banking portals and custom wallet ecosystems
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The Modern Finance Technology Ecosystem
Financial services have entered a permanent state of disruption. Open banking mandates, embedded finance APIs, real-time payment rails, and AI-driven risk models are reshaping every layer of how money moves, gets managed, and gets reported.\n\nIncumbent institutions face mounting pressure from neobanks and fintech challengers who ship faster and integrate deeper. Meanwhile, non-financial businesses are embedding payments, lending, and insurance into their own products — blurring the line between software company and financial services provider.\n\niSkylar builds the financial software layer that powers this shift — secure, compliant, and architected to connect seamlessly with the open finance infrastructure that defines modern money.
ENGINEERED FOR PERFORMANCE
Core Infrastructure Features
MODULE 01
PCI DSS, GDPR & FCA-Ready Architecture
Every financial platform we build is structured around PCI DSS Level 1 compliance, GDPR data handling requirements, and FCA/SEC regulatory frameworks — security and compliance are foundational, not retrofitted.
MODULE 02
Real-Time Payment & Settlement Infrastructure
Native integrations with Stripe, Plaid, Mastercard APIs, SWIFT, SEPA, and open banking rails — enabling instant payment processing, multi-currency settlement, and reconciliation at scale.
MODULE 03
Fraud Detection & Risk Scoring Engine
ML-powered transaction monitoring that flags anomalous behaviour in real time, with configurable risk thresholds, automated holds, and full audit trail logging for regulatory review.
MODULE 04
Bank-Grade Encryption & Access Controls
AES-256 encryption at rest and in transit, multi-factor authentication, role-based access control, and immutable audit logs — the full security stack required for financial data custodianship.
The Three Pillars of the System
Consumer Finance
- Digital banking portals
- Personal finance management
- Investment & portfolio tracking
- Expense management
- Loan origination & servicing
Payments & Infrastructure
- Payment gateway development
- Custom solutions by an e wallet app development company
- Open banking API integration
- Real-time settlements
- Reconciliation automation
Enterprise & RegTech
- Trading & brokerage platforms
- Risk management systems
- Regulatory reporting automation
- KYC / AML compliance
- Financial data analytics
THE INTELLIGENCE LAYERAI-Driven
AI-Driven
Optimization
AI-Powered Fraud Detection & Prevention
Behavioural ML models trained on transaction patterns that identify fraudulent activity in under 50ms — reducing false positives by 60% compared to rule-based systems while maintaining sub-second payment approval rates.
Intelligent Credit Scoring & Underwriting
Alternative data models that assess creditworthiness beyond traditional bureau scores — enabling lenders to approve more qualified applicants, reduce default risk, and automate underwriting decisions at scale.
Predictive Portfolio & Risk Analytics
ML algorithms that analyse market signals, portfolio correlations, and macroeconomic indicators to surface actionable risk alerts and rebalancing recommendations for wealth management and trading platforms.
Automated RegTech & Compliance Monitoring
NLP models that continuously scan transactions, communications, and reporting data against regulatory rule sets — flagging compliance violations before they become reportable incidents and reducing manual review overhead by 80%.
The Technology Frontier
React.js
Node.js
Python
PostgreSQL
Redis
Kafka
AWS
Kubernetes
Stripe API
Plaid API
TensorFlow
Blockchain (Hyperledger)
The Delivery Lifecycle
1
Regulatory & Architecture Audit
We map your target regulatory jurisdiction (FCA, SEC, RBI, MAS), data residency requirements, and integration landscape — then design a compliance-first architecture that does not create technical debt every time a regulation changes.
2
Security Design & Compliance Blueprint
Threat modelling, data flow mapping, encryption architecture, and API contract design reviewed by our security engineering team before a single line of production code is written.
3
Agile Build, Integration & Penetration Testing
Two-week sprints with live staging environments. Payment rails, banking APIs, and third-party data providers integrated and subjected to penetration testing and load simulation at every milestone.
4
Regulated Launch, Audit Support & Hypercare
Staged production deployment with full audit trail documentation, regulator-ready reporting outputs, and a 90-day hypercare window — with ongoing compliance monitoring support as regulatory requirements evolve.
Investment & Pricing
Scalable packages designed to grow with your business, from MVP to Enterprise solutions.
Growth
From $30,000
For fintech startups and financial services firms building their first regulated digital product.
- Regulatory architecture workshop
- Custom financial application (up to 6 modules)
- Payment gateway integration (Stripe / Plaid)
- PCI DSS & GDPR compliance setup
- KYC / AML integration
- 3 months post-launch support
- Full IP & source code ownership
POPULAR
EnterpriseCustom Quote
For banks, investment firms, and scaled fintech companies requiring full-stack regulated financial infrastructure with AI capabilities.
- All Growth features
- AI fraud detection & risk scoring engine
- Multi-currency & multi-jurisdiction support
- Open banking API integration
- Automated RegTech & compliance reporting
- Real-time trading or settlement infrastructure
- Dedicated offshore engineering team
- SLA 99.99% uptime guarantee
- Priority support & hypercare
* Note: Final costs vary based on feature complexity, platform choices, and specific API integrations. Get an exact quote for your project.
Frequently Asked Questions
How do you handle financial regulatory compliance across different jurisdictions?
We begin every engagement with a regulatory mapping exercise — identifying the applicable frameworks (FCA, SEC, RBI, MAS, PSD2, etc.) for your target markets. Compliance requirements are built into the architecture from day one, not layered on top, which means significantly less rework as regulations evolve.
What payment rails and banking APIs can you integrate with?
As an experienced e wallet app development company, we have built integrations with Stripe, Plaid, Mastercard Open Banking, SWIFT, SEPA, Faster Payments, RazorPay, Cashfree, and 40+ other payment providers. If it has a documented API and regulatory approval, we can connect to it.
How do you secure financial applications against fraud and breaches?
Security is architectural, not additive. Our standard stack includes AES-256 encryption, TLS 1.3, tokenised card data, multi-factor authentication, RBAC, immutable audit logging, and automated anomaly detection. We also conduct penetration testing at each major milestone, not just before launch.
Can you build KYC and AML compliance into the platform?
Yes. We integrate with Onfido, Jumio, Sumsub, and ComplyAdvantage for identity verification and sanctions screening, and build configurable AML transaction monitoring rules that align with your compliance team's requirements and reporting obligations.
How long does it take to build a regulated financial application?
A focused financial application with payment integration and compliance setup typically takes 16–20 weeks. A full trading platform or digital banking portal runs 24–36 weeks. Regulatory complexity is the primary variable — we scope this precisely during discovery.
Do we own the source code and all financial data generated on the platform?
Yes — always. Full source code transfer, IP assignment, and data ownership are standard in every engagement. You are never dependent on iSkylar to operate your platform after handover.
Ready to launch your vision?
Get a comprehensive development roadmap and fixed-price proposal within 48 hours.