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FinTech
Payments, lending, invoicing and wealth platforms engineered for accuracy, auditability and the scrutiny of regulators and enterprise customers.
01FinTech
Financial software has to explain what happened to money, not merely display a balance. A payment can be authorized, settled, reversed or refunded at different times. A lending agreement creates obligations that must remain understandable after an account changes or a payment fails. We model those states before building the interface, so the product, operations team and financial records can refer to the same events.
The scope depends on the product and its partners. A billing tool, a wallet experience and a lending workflow do not have the same permissions, integrations or regulatory boundaries. We identify the systems that hold authoritative financial records, the actions your product is allowed to request and the controls your organization needs to evidence. That separates custom engineering from decisions that belong to regulated providers, finance teams or legal advisers.
02Challenges
KYC, AML, PCI DSS and local licensing requirements.
A rounding error in a ledger becomes a reconciliation nightmare.
Attack patterns change faster than static rules can follow.
Product teams blocked by systems built decades ago.
03What we build
Checkout, wallets, payouts and multi-currency processing.
Applications, decisioning, servicing and collections.
Recurring billing, invoicing and dunning for B2B products.
Double-entry ledgers and automated matching.
Scoring models that adapt as patterns change.
Account data and payment initiation through regulated APIs.
04Considerations
The requirements we plan for on every project in this sector.
05Delivery decisions
We map provider events, idempotency, refunds and settlement references before wiring a payment screen to a back end. Duplicate or delayed callbacks must not create duplicate business actions. Reconciliation compares the product's records with the provider or ledger that owns the financial fact. Exceptions need a visible queue and an operator, not a silent assumption that every event arrived in order.
KYC and risk providers return decisions and statuses that the application must interpret consistently. We agree which checks are required, what data may be stored and when a person reviews an exception. Provider failure, a changed status or an incomplete onboarding journey needs an explicit outcome. The integration implements the approved policy; it does not invent the institution's policy.
An API layer can let a new product interact with an existing core without replacing it. We define the contract, permissions and authoritative records for each operation. Legacy constraints, transaction boundaries and reporting requirements are assessed before promising a feature. Versioning and compatibility checks help protect existing consumers when the new product or the core changes.
06Delivery decisions
Testing includes the awkward financial cases: the same event delivered twice, a timeout after a provider accepted a request, a partial failure and an amount that must be represented consistently. We agree reconciliation and exception handling with the people responsible for the records. A successful checkout is one part of the journey, not the entire acceptance test.
Security and compliance work is scoped around the actual product, data and contractual obligations. We map access, audit evidence and payment-data boundaries with your team rather than claiming that one framework fits every financial service. Handover covers release controls, reconciliation, incident investigation and the operational responsibilities that continue after the product launches. No unsupported promise of savings, fraud reduction or regulatory approval is needed to explain the work.
07Services
Product EngineeringNew digital products taken from idea to launch by a single accountable team.
Security & ComplianceApplication, cloud and data security with controls mapped to your frameworks.
Machine Learning & GenAIPredictive models and generative features built, tested and deployed like production software.
Application ModernisationLegacy systems rebuilt or re-platformed in phases, without stopping the business.08Case studies
“Distil Stack understood that building a platform for aviation requires more than a conventional application. Their approach focused on translating a specialized business concept into a practical digital product, with careful attention to usability and the needs of different users.”
Isaac NsubugaFounder & CEO“Our goal was to make personalized learning more accessible to students through technology. Distil Stack understood the educational vision behind Baseet Teacher and approached the product as a complete learning experience, connecting AI tutoring, exam preparation, interactive study tools, and student engagement.”
Abdulsalam AlrehailiFounder & CEO
“Distil Stack helped bring structure to our digital coaching experience while keeping the client journey at the centre. Their ability to connect the technical requirements with the needs of a coaching business made the development process more purposeful.”
Hina KhanFounder & CEO
“Distil Stack understood the complexity of our coaching business and helped bring our vision into one connected platform. From programmes and communities to payments, automation, and client management, their engineering approach gave us a stronger foundation for delivering and scaling our services.”
Kim CalvertFounder & CEO
“Distil Stack understood that a coaching platform needs to reflect the way a coach works with clients, not simply deliver content. Their approach helped translate our coaching experience into a structured digital environment that supports both our clients and our business.”
Maire NawazFounder & CEO
“Distil Stack understood the importance of creating a digital experience that feels approachable while supporting a meaningful wellness journey. Their work focused on bringing together the technology and user experience needed for a sleep-focused platform.”
Polly RevalienteCompany representative
“Distil Stack approached the workout timer with a clear focus on functionality and user experience. Their attention to the details of interval training and timing interactions helped shape an application designed to be practical and intuitive during real workouts.”
AppRebel, Inc.Client organization“Distil Stack understood the operational demands of managing restaurant employees and developed a solution focused on the details that matter—attendance, shift allocation, working hours, and salary administration. Their approach connected technology with practical workforce management.”
Pepe’s Piri PiriClient organisation
“We wanted to create more than a marketplace. Distil Stack helped bring together supplier discovery, product listings, messaging, and real-time communication into one mobile experience. Their understanding of our business model was important in shaping the platform.”
Godfrey MsigwaFounder & CEO
“Our vision required a learning platform that could combine education, engagement, and administration. Distil Stack brought these elements together through courses, quizzes, exercises, communities, and management tools designed around the learning experience.”
Gary John WallaceFounder & CEO
“Distil Stack approached our education platform as a complete learning and business management solution. Their understanding of course delivery, instructor workflows, enrolments, certifications, and administration helped shape a system built around both student experiences and operational needs.”
TechFiosClient organisation
“Managing relocation and visa applications requires coordination, visibility, and careful handling of information. Distil Stack helped translate these complex requirements into a structured platform connecting applicants, administrators, and office teams through a unified process.”
Michael RoeggeCompany representative
“Distil Stack understood that a fashion platform needs to make product discovery feel effortless. Their approach combined the technical requirements of digital commerce with an experience focused on helping customers explore and find products.”
Shauna CashellCompany representative
“What stood out about Distil Stack was their ability to understand the experience we wanted to create for our clients. They approached our coaching platform with attention to both the personal journey and the technology needed to support it.”
Danielle AmosFounder & CEO
“Our platform needed to make invoicing and financial administration straightforward without overlooking important business requirements. Distil Stack approached the solution with an understanding of usability, operational workflows, and the importance of reliable financial processes.”
PatrickFounder
“Distil Stack understood the challenges of building a financial platform where trust, transparency, and user experience are essential. Their ability to translate complex lending and repayment workflows into a structured digital experience aligned with our vision of making financial support between friends and family simpler and more accessible.”
Dennis CailCEO & Co-founder
“Distil Stack demonstrated a strong understanding of the complexity behind a specialized medical education platform. They helped bring together question banks, assessments, resident programmes, rankings, and performance tracking into a cohesive learning system.”
Waleed AlsarhaniFounder & CEO
“Distil Stack understood the operational complexity of commercial laundry services and helped shape a platform around our business processes. Bringing customer accounts, credits, laundry status, and service management together created a more connected digital experience.”
Phil AkinFounder & CEO
“Our operations involve much more than booking a moving job. Distil Stack approached the platform with a clear understanding of dispatch, drivers, foremen, customers, and payments, creating a connected system designed around the way our business actually operates.”
Bakhtier AzizbekovFounder & CEOYes, with controls and documentation aligned to their vendor risk requirements.
Yes, usually through an API layer that lets new products move without changing the core.
We define transaction identifiers, idempotency and event handling around the payment provider's contract. Tests include duplicate callbacks and timeouts after a request was accepted. Reconciliation and exception handling provide another check when application and provider records disagree. The exact design depends on the systems and operation involved.
Yes, where its supported interfaces permit the required workflow. We identify the authoritative financial records and keep the integration contract explicit. A new interface should not create an unexplained second ledger. Discovery covers access constraints, reporting and the operational route for rejected or incomplete transactions.
We provide engineering, integration controls and documentation within the agreed scope. Licensing decisions, regulated service provision and independent assurance remain with the relevant institution, provider or specialist. We work with your stakeholders to implement approved requirements and clearly record what the software does and does not cover.
The estimate follows the transaction flows, providers, data responsibilities, controls and migration needs. A focused invoicing product and a multi-system lending platform need different scopes. We validate the highest-risk integration early and give a written proposal; the pricing guide supplies relevant product and integration ranges rather than a universal FinTech price.
FinTech
Tell us what you're planning. We'll share what we've learned from similar projects and suggest a sensible first step.
