
“A UK lender” (FIBR UK)
Paper loan files became same-day decisions. AWS Textract OCR removed manual re-typing and the errors that came with it.
Modernising the systems beneath revenue, payments, fraud and compliance — with the control, auditability and recoverability a bank has to prove.
Product changes still ripple across cores, payments, channels and batch processes, so launches slip and pricing lags. Fragmented customer data and weak lineage force manual workarounds through reconciliation, risk aggregation and regulatory reporting. Fraud has moved to APP scams and mule accounts faster than your controls, while DORA, AML and instant-payments deadlines turn resilience and third-party risk into engineering work. And the AI everyone wants stalls on the integration, data and governance underneath it.
None of it can destabilise a live, regulated institution. That's the real constraint: modernising the systems beneath revenue, payments, fraud and compliance with the control, auditability and recoverability a bank has to prove.
In finance this means retiring a core or integration platform slice by slice while balances keep clearing. Each slice is reversible, and the change record is kept in a form that satisfies a DORA resilience review rather than being reconstructed afterwards.
Balances, KYC records and transaction history move with field-level reconciliation before the switch, and old and new run in parallel until the cutover is earned. Nothing moves into the new platform that has not been proven to match the old one.
Onboarding, credit intake and document capture become straight-through flows with human-in-the-loop review at the points where risk sits, so the control your compliance team signs off on is the one the system enforces.

Paper loan files became same-day decisions. AWS Textract OCR removed manual re-typing and the errors that came with it.

A full payment and KYC service delivered as dedicated microservices in 90 days, on a platform moving more than €100M of freight a year.
Deploys went from an hour of manual work to minutes, with MySQL replaced by a normalized PostgreSQL model underneath.
Send us the constraint you are working around. We will tell you how we would approach it, what it usually takes, and where the risk sits.