Finance
The Infrastructure of Capital, Modernized
From core banking modernization and open banking API platforms to AI-driven fraud detection, RegTech compliance automation, and digital banking experiences — we build the financial technology that lets institutions compete with fintech speed while maintaining the security, auditability, and regulatory compliance their charters require.
Competing at Fintech Speed Without Fintech Risk
Financial institutions are caught between two forces that don't compromise: regulators demanding more transparency, auditability, and capital reporting granularity, while fintech competitors offer the seamless mobile-first experience that customers increasingly expect as a minimum baseline. Core banking systems built for a branch-centric world struggle to support the real-time, API-first, digital-native model that modern financial services requires — and the cost and risk of modernizing them is significant enough that many institutions delay until the competitive gap becomes existential.
SWA's financial services practice addresses the modernization challenge in phases that keep systems running while technical debt is retired — strangler-fig approaches to core banking decomposition, open banking API platforms that expose new value without replacing underlying systems, RegTech automation that reduces compliance cost without reducing audit trail quality, and fraud detection infrastructure that catches bad actors without generating the false-positive friction that drives good customers to competitors.
- Core banking modernization — API-first architecture, microservices decomposition
- Open banking and payment API platform development
- RegTech — AML/KYC automation, regulatory reporting, compliance workflows
- Fraud detection and risk management — ML-based real-time scoring
- Digital banking — mobile apps, digital onboarding, e-KYC, conversational banking
How We Help Financial Institutions
Core Banking Modernization
API-first core banking architecture design, mainframe modernization and migration, microservices decomposition of monolithic banking systems, and integration layer development that connects legacy cores to modern digital channels — transforming core infrastructure without the systemic risk of big-bang replacement.
Payments & Open Banking
Payment gateway development, ISO 20022 migration strategy, real-time payment scheme integration (RTP, FedNow), open banking API platform development for PSD2 and CDR compliance, and the developer portal infrastructure that makes your financial data available to third-party applications in a controlled, monetizable way.
RegTech & Compliance Automation
AML/KYC workflow automation, SAR and CTR regulatory reporting, transaction monitoring rule management, GDPR and CCPA data subject rights automation, audit trail infrastructure, and the compliance data architecture that makes regulatory examination a managed process rather than a crisis-response exercise.
Fraud Detection & Risk
ML-based real-time fraud scoring for card-not-present, ACH, and wire transactions; behavioral biometrics integration; device fingerprinting; credit risk modelling; and model explainability infrastructure that satisfies both regulatory adverse action requirements and the risk team's need to understand why models flag what they flag.
Digital Banking Platforms
Mobile banking app development (iOS, Android), digital account opening and onboarding, e-KYC with document verification and liveness check integration, conversational banking interfaces, personal financial management features, and the real-time notification infrastructure that keeps customers informed and engaged between transactions.
Wealth & Investment Platforms
Portfolio management systems, robo-advisory platform development, trading analytics dashboards, performance attribution reporting, client portal development, and the data integration infrastructure that connects custodians, performance systems, and CRM into the unified advisor workspace that modern wealth management demands.
Why Financial Institutions Choose SWA
Regulatory Expertise Embedded in Architecture
PCI DSS, SOX, Basel III/IV, DORA, PSD2, BSA/AML, GDPR, and CCPA — our financial services engineers are conversant in the regulatory requirements that govern the systems they build. Compliance controls are architectural decisions made during design, not remediation items discovered during the pre-launch audit.
Financial-Grade Security Architecture
HSM integration for cryptographic key management, mutual TLS for inter-service communication, zero-trust network architecture, privileged access management, and the penetration testing and DAST/SAST pipeline integration that keeps financial systems defensible against the threat actors who specifically target financial institutions for the obvious reasons.
Legacy Integration Without Disruption
We've integrated with mainframe cores (IBM z/OS, Unisys), COBOL batch systems, FIS, Fiserv, and Jack Henry platforms. We know how to build modern API layers over systems that weren't designed to expose them, and how to sequence modernization to maintain the operational continuity that financial services requires through every phase of a multi-year transformation.
Ready to Modernize Your Financial Infrastructure?
Share your current core system landscape, the digital banking capability you need to build, or the compliance automation program you're trying to accelerate — we'll design the fintech engagement that moves you forward without putting operational continuity at risk.