30+
professionals
100+
success projects
1 week
trial offer
Clutch rating

We build secure, scalable financial software that fits cleanly into your core systems and regulatory framework. From payments software and digital banking development to trading platform development and insurance tech, TwinCore delivers production systems with clear outcomes: faster onboarding, lower fraud losses, accurate reconciliation, and dependable performance under load.

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Who we serve in financial services

Banks & Credit Unions

Modernize customer channels and simplify operations without disrupting the core. We implement Open Banking integrations, real-time alerts, and role-based servicing tools that improve retention and reduce call center load. Architecture choices align with PCI DSS, SOC 2, and data-residency requirements to keep audits predictable.

  • Open Banking (AIS/PIS) consent flows and secure data handoff
  • Account orchestration, limits/entitlements, and case management
  • Core banking integration, notifications, and stable APIs

FinTech Startups

Ship an investor-ready product with a stack that scales. We focus on the critical path first — KYC, payments rails, ledgers, reporting — then grow from a clean MVP to a hardened platform as traction builds. The roadmap is measurable and designed for rapid iteration.

  • MVP/PoC on real rails with audit-ready logging
  • KYC/AML pipelines and foundations for risk scoring
  • Event streaming, feature stores, and growth analytics

Payments & Wallets

Improve approval rates while controlling risk. We build payments platforms with smart gateway routing, tokenization, and 3-D Secure 2 (SCA). Reconciliation is automated, chargebacks are traceable, and ledgers stay consistent across providers.

  • Multi-acquirer routing, retries, and failover
  • Tokenization, SCA, dispute workflows and case tools
  • Reconciliation pipelines, settlement reporting, and reliable ledger APIs

Broker-Dealers & Wealth

Deliver dependable execution and clear risk visibility. We implement OMS/EMS, market data ingestion, surveillance, and reporting pipelines tuned for latency budgets and auditability. The result is a trading stack that’s fast, observable, and easy to extend.

  • OMS/EMS, order lifecycle, allocations, FIX connectivity
  • Market data ingestion, normalization, and entitlements
  • Risk and surveillance workflows with traceable alerts

Insurance

Automate claims and support usage-based products with clean data flows. From FNOL to pricing engines and partner APIs, we assemble toolchains that shorten claim cycles and support new underwriting models.

  • FNOL intake and claims automation
  • Pricing engines with policy rules and full change history
  • Partner and ecosystem APIs for distribution and servicing

Retail & POS Networks

Run large point-of-sale estates with stable payments orchestration and clean operations data. We implement multi-acquirer routing, tokenization, SCA, and automated reconciliation so approvals go up and back-office load goes down. Fraud teams receive the event streams they need without expanding PCI DSS scope.

  • Smart routing, retries, and provider failover
  • Tokenization, SCA, dispute tooling and case management
  • Reconciliation pipelines and governed exports to BI/risk

FinTech software development services we provide

Payments & Wallet Platforms

Card-present and online payments with wallet integrations, tokenization, and SCA. Intelligent routing improves approvals without added friction. Settlement and reconciliation are automated with clear exception handling and auditable ledgers.

  • Gateway selection logic, retries, and failover
  • Tokenization, risk rules, dispute tooling
  • Settlement exports, reconciliation, and ledger services

Digital Banking & Customer Channels

Account opening, onboarding, and KYC/AML flows anchored in strong identity. Customers get transparent servicing; teams get reliable case workflows, configurable limits, and actionable alerts. Everything is versioned and testable through stable APIs.

  • Onboarding, KYC, sanctions screening, risk tiers
  • Account orchestration, entitlements, alerts
  • Secure APIs and admin tools for operations teams

Trading & Capital Markets Stack

An execution platform built around latency budgets and integrity. We implement OMS/EMS, handle market data contracts and entitlements, and surface risk states that regulators can trace without friction.

  • Order capture, routing, allocations, post-trade
  • Market data ingestion, normalization, caching
  • Risk engines, surveillance, reporting hooks

Insurance Tech

From FNOL to pricing engines and claims automation, we turn fragmented processes into observable workflows. Data quality is preserved end to end, enabling accurate loss analytics and faster settlements.

  • FNOL intake, document capture, triage
  • Claims workflows, rules, adjuster tools
  • Rating engines with audit trails

Fraud, AML, and Risk Toolkit

Behavioral telemetry and event streams you can actually use. We integrate AML/KYC screening, build rules that are easy to tune, and expose clean features to your models.

  • Device/browser fingerprinting and behavioral analytics
  • Case management, SAR preparation, auditability
  • Feature stores and real-time streaming to risk models

Data & Reporting Foundations

Event pipelines designed for reliability and clarity. We capture transactions and operational signals in real time, then route them into your warehouse for regulatory and management reporting without fragile scripts.

  • Streaming ingestion, idempotent writes, replay
  • Warehouse connectors (CDC) to Snowflake/BigQuery/Redshift
  • Regulatory reporting interfaces and SLA monitoring

Architecture & integrations

A clean architecture keeps risk low and changes manageable. We document each layer so security, operations, and product teams share the same map.
Core banking & ledgers
integration patterns for Temenos/Finacle/other cores; ledger APIs with consistent IDs and reconciliation guarantees
Payments rails
gateways/processors, tokenization services, 3-D Secure 2 (SCA), payout workflows
Market data & exchanges
FIX/FAST connectivity, entitlement checks, low-latency caches
Risk & analytics
event streaming, feature stores, model endpoints with clear versioning
APIs & developer experience
versioned REST/GraphQL, OAuth 2.0 / mTLS, rate limits, sandbox and SDKs

Security and compliance for financial software

Security is built into the process, not added at the end. Designs and controls map to standards without bloating scope.

PCI-aware architecture

scope reduction, tokenization, key management, network segmentation

PSD2 / Open Banking

consent, SCA, AIS/PIS integrations, secure data handoff

SOC 2 / ISO 27001 practices

secure SDLC, change control, incident response, evidence packages

Data protection

encryption in transit/at rest, masking, retention rules, DLP policies

Continuous verification

threat modeling, code scanning, dependency checks, signed releases

How we deliver

A predictable process keeps compliance, engineering, and product aligned. Every stage produces artifacts your auditors and stakeholders can trust.

1
Discovery & Planning
Goals, regulatory scope, non-functional requirements, and an initial risk register. Dependencies are mapped and outcomes defined.
2
Reference Architecture & Backlog
Integration patterns, sequence diagrams, data models, and a prioritized backlog. A plan engineering can build and compliance can review.
3
PoC / MVP
A working slice on real rails and real data. KYC, payments, ledgers, and reporting are wired end to end so decisions rest on evidence, not demos.
4
Build & Hardening
Iterative delivery with secure SDLC gates, performance tests, and observability. Latency budgets, error budgets, and SLOs are tracked from the start.
5
Compliance & UAT
Requirements traced to tests and controls. Evidence packages, change logs, and runbooks prepared before go-live.
6
Launch & Operations
Production readiness reviews, on-call rotations, incident playbooks, and release policies. Post-launch, we handle tuning, updates, and continuous improvement.

Pricing and timelines: what drives them

Budgets and schedules vary because financial systems carry different risks and integration loads. The main factors include:

  • Number and complexity of integrations (core banking, processors, market data, identity providers)
  • Security depth and PCI DSS / PSD2 / Open Banking requirements
  • Non-functional targets (latency, throughput, availability, auditability, data residency)
  • Reporting obligations and evidence expectations for audits
  • Transaction volume and geographic reach (multi-region, jurisdictional variance)
  • Team composition, release cadence, and internal review cycles

We establish realistic milestones during discovery, then track delivery against those milestones with shared dashboards and frequent checkpoints.

Our case studies

What our clients say about us

  • TwinCore has elevated the client's customers to the next level of supply chain management. The team is highly cost-efficient from a project management standpoint, and internal stakeholders are particularly impressed with the service provider's team dynamic.

    Alex Lopatkin
    Alex Lopatkin
    Amous

  • TwinCore delivered a fully functional solution on time, meeting expectations. The highly organized team employed a DevOps approach, swiftly responded to needs and concerns, and led a productive, enjoyable workflow. Their receptiveness to client requests and feedback stood out.

    Bruno Maurer
    Bruno Maurer
    Managin Director, N-tree

  • Thanks to TwinCore’s work, the client has gained a user-friendly, stable, and scalable SaaS platform. The team manages the engagement well by being reliable and punctual; they deliver tasks on time. Their resources are also highly flexible, resulting in a truly seamless engagement with the client.

    Mischa Herbrand
    Mischa Herbrand
    Executive, CIN

  • TwinCore successfully audited the apps and converted them into modern web apps, meeting expectations. They completed the project on time and within the agreed budget. Communicating through virtual meetings, the team provided updates and responded to the client's concerns.

    JH
    Joe Holme
    IT Director, GDD Associates

  • TwinCore delivered a fully functional solution on time, meeting expectations. The highly organized team employed a DevOps approach, swiftly responded to needs and concerns, and led a productive, enjoyable workflow. Their receptiveness to client requests and feedback stood out.

    A
    Anonymous
    Managing Director, Marketing Company

Related Topics

Frequently Asked Questions

How do you keep PCI scope small during a payments build?

By isolating cardholder data with tokenization, minimizing data exposure in application layers, and segmenting networks. We design controls that satisfy auditors while keeping the product flexible.

What drives timelines for digital banking integrations?

Core connectivity, identity flows, and KYC/AML pipelines are the biggest drivers. We de-risk early with reference architecture, sandboxes, and staged rollouts that surface dependencies before full build.

How do you prove audit readiness before go-live?

Each requirement maps to a test and a control. Evidence is collected continuously: code reviews, signed releases, change logs, runbooks, and traceable alerts feed an audit package that reviewers can navigate.

What makes OMS/EMS architectures meet latency targets?

Tight control of market data paths, caching, and order routing. We measure budgets at each hop and build observability in from the start so latency regressions are visible and fixable.

Can you integrate fraud and AML tools without blocking good users?

Yes. We expose clean features to models, support rules that are easy to tune, and monitor false positives. The goal is strong protection with minimal friction in real customer journeys.

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