Discovery Call
Finance & Banking Technology

Software built for the
business of money.

From digital banking apps and payment gateways to investment platforms and core banking systems, we build fintech software that is secure by design, compliant by architecture, and engineered to handle the demands of modern financial operations at any scale.

99.99%Transaction uptime SLA
256-bitAES encryption standard
PCI DSSCompliant architecture
Secure & PCI DSS Compliant
Finance Dashboard
Live
Portfolio Performance+12.4% YTD
Salary Credit
Today, 09:14 AM
+$4,800
Wire Transfer — Savings
Today, 10:32 AM
-$1,200
Dividend — MSCI Fund
Today, 02:15 PM
+$340
$48.2K
Portfolio Value
+12.4%
YTD Return
0.002s
Tx Speed
$310B
Global fintech market projected by 2026
89%
Of consumers prefer digital banking over visiting a branch
$48T
In digital payments processed globally in 2024
76%
Of financial institutions cite legacy tech as their primary growth barrier
Industry Challenges

Why financial institutions
need better technology.

Finance and banking operate under higher stakes than almost any other industry. Security, compliance, speed, and reliability are not nice-to-haves. They are the baseline, and legacy systems are failing to deliver them.

Legacy Core Banking Infrastructure

Decades-old core banking systems cannot support modern digital channels, real-time processing, or open banking APIs, creating technical debt that slows every new product launch.

Rising Cyber Threats and Fraud

Financial platforms are the most targeted by sophisticated cyberattacks. Without modern fraud detection, real-time monitoring, and security-first architecture, the exposure is existential.

Complex Regulatory Compliance

PCI DSS, AML, KYC, GDPR, and local SBP regulations create a dense compliance landscape that most development teams are not equipped to navigate correctly from the ground up.

Poor Digital Customer Experience

Customers now benchmark their bank against consumer apps like Uber and Spotify. Clunky mobile apps, slow onboarding, and limited self-service drive churn to more agile digital-first competitors.

Slow and Costly Payment Processing

Outdated payment rails, manual reconciliation, and lack of real-time settlement create friction for businesses and customers while adding unnecessary operational cost per transaction.

Fragmented Data and Reporting

Financial data scattered across disconnected systems makes regulatory reporting slow, risk assessment incomplete, and customer intelligence practically impossible to generate at scale.

Our Solutions

Fintech built for
security, scale, and speed.

Every platform we build for finance and banking is engineered with compliance baked in, security designed from the ground up, and performance benchmarked against the toughest transaction volume requirements.

Digital Banking Platform

Banking your customers
love to use every day.

We build custom digital banking applications — from full-featured mobile banking apps to web-based banking portals — that modernise the customer experience while maintaining the security, compliance, and reliability that financial services demand. Whether you are a traditional bank going digital or a challenger launching from scratch, we deliver a platform your customers will actually prefer to your competitors.

  • Secure mobile and web banking with biometric authentication
  • Real-time balance, transaction history, and spending analytics
  • Fund transfers, bill payments, and scheduled transactions
  • Digital account opening with KYC and AML compliance workflows
  • Push notifications, alerts, and in-app customer support
Build a Banking Platform
Digital Banking App Secure
Available Balance
$12,480.50
↑ +$4,800 today
Send
Receive
Pay Bills
More
Recent Transactions
Salary Credit+$4,800
Online Purchase-$124
Electricity Bill-$88
Payment Gateway and Processing

Payments that process
in milliseconds.

We build and integrate custom payment gateway solutions that handle high transaction volumes with near-zero latency, full PCI DSS compliance, and intelligent fraud detection built into every transaction flow. Whether you need a standalone payment API for your platform, a multi-currency international gateway, or a full payment orchestration layer, we architect it for reliability at scale.

  • Custom payment API development and gateway integration
  • Multi-currency and cross-border payment support
  • Real-time fraud detection and risk scoring engine
  • PCI DSS Level 1 compliant transaction processing
  • Automated reconciliation and settlement reporting
Build Your Payment Gateway
Payment Gateway Dashboard
All Systems Operational
Today's Volume
$2.4M
Transactions
18,420
Success Rate
99.97%
Avg Latency
0.8ms
Live Transaction Feed
TXN-8821E-Commerce Checkout$240.00Success
TXN-8822Subscription Renewal$49.99Success
TXN-8823International Wire$1,200.00Processing
Investment and Wealth Platform

Smarter investing through
better technology.

We build investment and wealth management platforms that give retail investors, institutional clients, and fund managers the tools to manage portfolios, analyse performance, execute trades, and meet regulatory reporting requirements, all from a single, intuitive platform that works as hard as their money does.

  • Portfolio management dashboard with real-time performance data
  • Multi-asset trading engine with order management system
  • Risk analytics, scenario modelling, and exposure reporting
  • Automated regulatory reporting for SECP and international standards
  • Robo-advisory engine with goal-based investment recommendations
Build an Investment Platform
Portfolio Overview Live Data
Total Portfolio Value
$248,400
↑ +$4,820 (+1.98%) today
Equities 45% $111,780
Fixed Income 30% $74,520
Commodities 15% $37,260
Cash and Other 10% $24,840
Asset AllocationRebalanced 3d ago
Security and Compliance

Built for the most regulated
environment on earth.

Security and compliance are not afterthoughts in our process. Every financial platform we build is architected around the regulations and security standards your institution must meet from day one.

PCI DSS Compliance

Payment Card Industry Data Security Standard compliance built into every layer of our payment processing architecture to protect cardholder data and meet merchant requirements.

KYC and AML Workflows

Know Your Customer and Anti-Money Laundering workflows with automated identity verification, document screening, and suspicious activity monitoring integrated into onboarding flows.

256-bit AES Encryption

Bank-grade encryption for all data at rest and in transit, with tokenisation of sensitive payment data and secure key management systems aligned to NIST standards.

Real-Time Fraud Detection

Machine learning powered fraud scoring on every transaction, with configurable rule engines, velocity checks, and instant blocking of suspicious activity before losses occur.

Regulatory Reporting

Automated SECP, SBP, and international regulatory reporting pipelines that generate accurate compliance documentation without manual data aggregation or calculation.

Full Audit Trail

Immutable transaction logs, access records, and system event histories with tamper-proof audit trails that satisfy both internal governance requirements and external regulatory audits.

Technology and Platforms

Enterprise-grade technology
for financial services.

Our fintech stack is selected for the performance, security, and regulatory compliance demands of financial environments, not just for what is trendy.

React and Node.js

High-performance frontend and backend architecture that scales to millions of transactions without latency degradation.

HSM and Tokenisation

Hardware Security Modules and payment tokenisation to protect sensitive financial data from breach and fraud.

AWS and Azure Cloud

Financial-grade cloud hosting with multi-region redundancy, disaster recovery, and 99.99% availability SLAs.

AI Fraud Detection

Machine learning models trained on transaction data to identify and block fraud in real time with sub-millisecond response.

iOS and Android Apps

Native mobile banking and fintech apps with biometric login, push alerts, and offline-capable features.

Open Banking APIs

REST and GraphQL APIs built to open banking standards for seamless third-party integrations and partner connectivity.

PostgreSQL and Redis

ACID-compliant relational databases for transaction integrity and in-memory caching for real-time financial data access.

Financial Analytics

Real-time business intelligence dashboards for risk, compliance, portfolio performance, and operational KPIs.

How We Work

A process as rigorous
as financial compliance.

Finance software cannot be built fast and fixed later. Our process is designed to get compliance, architecture, and security right before the first line of production code is written.

Discovery and Compliance Mapping

We identify every regulatory requirement and security standard before architecture decisions are made.

Security Architecture Design

A security-first technical blueprint reviewed against PCI DSS, AML/KYC, and applicable local regulations.

Agile Development

Sprint-based delivery with continuous security reviews and compliance checkpoints at every milestone.

Penetration Testing and QA

Third-party penetration testing, vulnerability scanning, and load testing under realistic financial transaction volumes.

Launch and Monitoring

Supported go-live with 24/7 real-time monitoring, incident response protocols, and ongoing security patch management.

Measurable Impact

Results our fintech
clients actually see.

99.99%
Transaction Uptime
Our financial platforms are engineered for near-zero downtime with multi-region failover and automatic recovery, because every second of payment downtime costs real revenue.
80%
Reduction in Fraud Losses
AI-powered real-time fraud detection catches and blocks fraudulent transactions before they complete, dramatically reducing chargebacks, losses, and reputational damage.
10x
Faster Customer Onboarding
Digital KYC and AML workflows with automated document verification reduce account opening from days to minutes, dramatically improving conversion rates for new customer acquisition.
Why 99ineTech

The fintech partner that
takes compliance seriously.

Financial software is the most consequential code we write. We bring the technical depth, security expertise, and regulatory knowledge to build platforms that your institution can stake its licence on.

Security-First Engineering

Security is not a feature we add at the end. It is a design principle embedded from the first architecture decision to the last deployment step.

Regulatory Compliance Expertise

We understand PCI DSS, AML, KYC, SECP, SBP regulations, and GDPR, and we build compliance in from the start so audits are not surprises.

Enterprise-Scale Architecture

Our financial platforms are built to handle millions of transactions per day with sub-millisecond latency and no performance degradation under peak load.

24/7 Mission-Critical Support

Financial platforms never sleep, and neither does our support team. We provide round-the-clock monitoring and incident response with guaranteed SLA response times.

Platform Capabilities
256-bit AES EncryptionBank-grade data protection at rest and in transit
PCI DSS Level 1 CompliantHighest standard of payment security certification
KYC and AML IntegratedAutomated identity verification and screening
AI Fraud DetectionReal-time transaction risk scoring
99.99% Uptime SLAMulti-region failover and auto-recovery
Open Banking API ReadyREST and GraphQL APIs for partner integration
Immutable Audit TrailsFull transaction and access logs for regulators
Start Your Project

Ready to build your
fintech platform?

Whether you are modernising a legacy banking system, launching a digital wallet, building a payment gateway, or creating an investment platform from scratch, we have the expertise to deliver it securely and at scale.

Tell us about your project