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Finance and Banking

Banking, payments, and capital-markets software with the controls regulators expect and the speed product teams want.

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The landscape

Engineering trust into financial software.

Financial services live under a uniquely strict mix of expectations: payments uptime, instant settlement, fraud-rate ceilings, and a regulatory stack that spans SOX, PCI-DSS v4, Basel III/IV, AML / KYC obligations, GLBA, NYDFS, and the OCC and Federal Reserve operational-resilience expectations. The institutions getting it right treat compliance as an engineering input — not a project handoff.

We build banking and capital-markets software with the same discipline. Whether it's a core-banking modernization, a payments / ISO 20022 migration, an AML transaction-monitoring platform, an open-banking API surface (FDX / Open Banking UK / PSD2), or trading-desk tooling — we engineer the controls (segregation of duties, audit trails, encryption, data residency) into the system and produce the evidence as a by-product.

We also know what's underneath the platform: fintech partners, card networks, real-time payment rails (FedNow, RTP, UPI, SEPA Instant), and the operational metrics that determine whether your CFO can sleep on a Sunday night.

Finance and Banking

PCI-DSS v4

Card & payments environments

SOX-ready

ITGCs & control evidence engineered in

ISO 20022

Modern payments messaging

FDX 6 / PSD2

Open-banking native

Challenges we hear

Where financial-services programs get stuck

Core modernization risk

Full core replacement is a multi-year, multi-billion-dollar bet. Strangler-fig modernization around the core gets you 80% of the value with much smaller blast radius.

Real-time pressure

FedNow, RTP, UPI, SEPA Instant — instant settlement breaks decades of nightly-batch assumptions about fraud, AML, and reconciliation.

Fraud / AML cost

False-positive rates above 90% are common, and analyst capacity is finite. Better models and proper case management beat more rules.

Reg reporting load

FFIEC, FINRA, SEC, MiFID II, EMIR, FRTB — reporting builds keep piling up on systems that weren't designed for them. Data-lineage and reproducibility matter more than templates.

Operational resilience

OCC, Fed, FFIEC, EU DORA — regulators are pushing operational-resilience testing (severe-but-plausible scenarios, third-party concentration risk). Most institutions can't yet demonstrate it.

Customer experience gap

Neobanks and fintechs raised the experience bar for retail and small-business customers. The institutions that move fastest on this without breaking compliance keep the deposits.

How gmware helps

What we build for banks, payments players, and capital markets

Core Modernization

Strangler-fig overlays on Hogan, FIS Profile, Temenos, Mambu, Thought Machine. Ledger services, account / customer projections, real-time event streams.

Payments & Rails

FedNow / RTP / ACH / wires / cards, ISO 20022 migration, payment-orchestration, settlement & reconciliation services, scheme certifications.

Fraud & AML

Transaction monitoring, network analytics, KYC / EDD, sanctions screening (OFAC, EU, UN), SAR workflow, model risk management (SR 11-7 aligned).

Open Banking / APIs

FDX 6.x, PSD2, Open Banking UK, CDR (Australia). Consent / authorization flows, API gateways, developer portals, and the operational posture to sustain SLA expectations.

Capital Markets

Trading-desk tooling, OMS / EMS extensions, post-trade processing, T+1 settlement, regulatory reporting (FRTB, EMIR, MiFID II, CAT).

Digital Banking

Customer onboarding, identity verification, secure messaging, lending journeys, business-banking portals. Headless / composable architecture so UX moves at fintech pace.

Standards & Compliance

Regulations and standards

SOX 404

ITGCs & application controls

PCI-DSS v4

Card data environment

GLBA / NYDFS 23 NYCRR 500

Safeguards & cyber

FFIEC IT

Examination handbooks

Basel III / IV

Capital & liquidity

BSA / AML / OFAC

Sanctions & reporting

SR 11-7

Model risk management

EU DORA

Operational resilience

Outcomes

KPIs we help teams move

Availability

Payments & channels SLA

Fraud rate

By channel and product

Onboarding time

Click-to-account-open

Cost-to-income

Operational efficiency

FAQ

Common questions

In nine cases out of ten, build around it. Replacing a core is a multi-year program with high regulatory risk; the strangler-fig approach (event-sourced overlays, ledger services, real-time projections) gives you the customer-facing agility without the migration risk. We've shipped both — and recommend full replacement only when the math really works.

Controls (separation of duties, change approval, segregation between environments, evidence retention) are enforced in the pipeline itself — every PR has its approver, every deploy is logged with a signed artifact. Auditors get queryable evidence, not screenshots. ITGC findings drop as a side effect.

Yes. Many financial-services workloads still need to terminate on private networks for legacy core, mainframe, or sensitive workloads. We design with that constraint in mind — AWS PrivateLink, Azure ExpressRoute, GCP Interconnect; secure event bridges; and the data-residency controls regulators in your jurisdiction expect.

Fraud & AML triage, document understanding, customer-facing assistance over policy / product documents, and operational use cases (capacity, IT incident response). Always under SR 11-7-style model-risk management — validation, monitoring, challenger models, and explicit human-in-the-loop on consequential decisions.

Services we deliver here

Products that fit

Browse other industries we serve

Need to move faster without breaking the controls?

A focused session with our financial-services lead on the shape of the modernization or build you're considering.