I build bespoke software for fintech and financial services businesses: payment integrations, compliance-aware data products, client portals and internal tools that handle real money and real regulatory risk. One person, start to finish.
I build bespoke software for fintech and financial services businesses: payment integrations, compliance-aware data products, client portals and internal tools that handle real money and real regulatory risk. One person, start to finish.
Fintech software development is the design and build of financial technology products and internal tools: applications that touch payments, lending, investment, insurance, or the operational infrastructure behind them. Unlike generic software, fintech builds carry specific requirements around compliance, data integrity, audit trails and third-party integrations with payment processors, open banking APIs and regulated data providers. Getting that foundation right the first time matters more here than in most sectors.
I build on tools that are quick to ship, easy to audit, and straightforward to maintain: Next.js and React for the front end, Supabase for database and authentication, Make.com and n8n for automation and integrations, Stripe and GoCardless for payment processing.
Payment and billing integrations. Stripe, GoCardless and open banking connections built cleanly into your product so money moves reliably and reconciles without manual intervention.
Compliance and audit-trail tooling. Internal tools and workflow software built around the audit and reporting requirements your compliance team actually uses: timestamped records, role-based access, exportable logs.
Client portals and onboarding flows. Secure, authenticated portals where your clients manage their accounts, upload documents, view their data and sign off on actions. Built with row-level security on Supabase from day one.
Financial dashboards and data products. Live data views and reporting tools built around the numbers your team needs to run the business, not the ones a generic BI tool decided to show.
PSD2 and open banking. API integrations structured around the strong customer authentication and data-sharing requirements of PSD2-regulated flows.
GDPR. Data architecture designed for the right of access, the right to erasure and consent management, with audit trails that back it up.
FCA operational requirements. Audit logging, access controls and data retention built to support your FCA-regulated workflows, not bolt on after the fact.
SOC 2-ready architecture. If your roadmap includes SOC 2 attestation, I build access control, logging and data isolation so that audit is an exercise, not a reconstruction.
Most agencies sell you a fintech team. In practice that means a project manager, a front-end developer, a back-end developer, and a compliance consultant who joins the call once, all billing separately and sharing context through a Confluence page nobody reads. I work differently. One person, start to finish: we scope what needs building, I design and write it in short feedback loops, it ships tested and documented, and you get the code and full ownership. No lock-in either way.
It is the design and build of software for financial technology businesses and financial services operations: payment systems, compliance tooling, client portals, open banking integrations and the internal tools that run regulated workflows. It differs from general software development mainly in the compliance constraints and data integrity requirements that come with touching money and financial data.
Yes, within scope. I build the technical layer that compliance requires: audit trails, access controls, data isolation, GDPR-compliant data architecture. I am not a compliance consultant, and I will tell you clearly if what you need is a specialist I cannot substitute for.
Primarily Stripe and GoCardless for most UK fintech use cases. Open banking connections via Plaid or TrueLayer where the product needs them. If you need a different provider, tell me and I will assess it.
Every build is scoped and quoted on a free call. Fixed-price quotes up front, no surprises. You will have a clear quote before any work starts.
Yes. You get the code, the repository and full ownership. No lock-in.
Tell me what you are trying to fix. Book a free call, or message me on WhatsApp, and I will tell you straight whether this is a build I can take on.
