Fintech software built for regulated financial environments — not a generic application with a payment form added.
Madgeek builds fintech software — payment platforms, lending systems, loan origination, wealth management tools, trading infrastructure, and AI-powered financial analytics — for fintech startups, financial services companies, and banks in the US, UK, and Canada. Compliance-first architecture. PCI DSS, SOC 2, FCA-aligned. AI included on every engagement. 50+ enterprise systems shipped since 2017.
Building enterprise software since 2017
Enterprise systems shipped across regulated industries
Production AI systems deployed in operations
Clutch rating from verified reviews
Most fintech projects fail compliance review before they reach production.
Financial software is regulated at the federal level (OCC, FDIC, FRB, SEC, FINRA), at the state level (money transmitter licences, lending laws), and in some cases internationally (FCA, MAS, ASIC). The compliance requirements determine the architecture — not the other way around. Agencies that build SaaS products don't design for regulatory examination. The gaps show up in production, and regulators find them.
Payment processing is not a Stripe integration. A fintech company processing payments at scale has to handle fraud detection, dispute management, settlement reconciliation, reserve requirements, and regulatory reporting — all of which sit outside what a standard payment API provides. The integration is the easy part. The operational infrastructure around it is the system.
The data requirements in financial software are different from every other industry. Immutable audit trails, transaction-level reconciliation, real-time ledger updates, regulatory data retention — these aren't features you add. They are the foundation the system is built on. Applications that bolt them on after launch fail compliance audits and fail at scale.
Lending and credit products carry additional complexity. State-specific lending laws, TILA disclosures, Fair Lending compliance, credit bureau reporting, adverse action notices — each adds required functionality that generic application frameworks don't handle. Building on top of a platform that wasn't designed for lending means maintaining compliance workarounds forever.
Building fintech software that needs to pass regulatory scrutiny? Let's talk about what a compliance-first architecture looks like.
Book a 30-minute callFinancial software built on a compliance-first data model — not a general-purpose application framework.
We start with the regulatory requirements for your product type and your markets. Lending, payments, brokerage, wealth management, and insurance all have different compliance obligations. The data model, the audit trail, and the transaction ledger are designed to meet those obligations before the first feature is built.
AI is included on every engagement. Credit risk scoring with explainable models for adverse action compliance, fraud detection with real-time transaction monitoring, document processing for KYC/AML verification, anomaly detection in transaction data — built for production and audit review. Every AI feature in a financial services context includes the explainability and documentation required for regulatory examination.
Senior engineers in India with a US office in Irvine, California. The team that designs the compliance architecture is the team that ships it. We've built for regulated enterprise environments for 8+ years — including publicly listed companies with strict audit requirements.
What we build for fintech.
We build for regulated, complex environments. Fintech is the same engineering challenge.
Compliance-grade audit trails, immutable transaction records, complex business rules, multi-role access control, and integration with legacy financial systems — these are the engineering problems we've solved across regulated industries for 8+ years.
Tejas Networks: enterprise platform in a regulated environment
Situation: A publicly listed telecom equipment manufacturer ran multi-level purchase requisition approvals on paper forms. Physical sign-off at each tier. Finance and operations had no visibility into pending, approved, or blocked requests. Strict compliance requirements for audit trails and access control.
What we built: We built a purchase requisition platform with role-based approval chains, configurable escalation rules, real-time dashboards, and full audit trail on every transaction. Compliance-grade access control with department-level permissions and multi-tier approval workflows.
90% reduction in paper-based approvals
AI in production operations: 50 to 80+ agents in 3 months
Situation: A growing operations team needed to scale quality assurance from 50 to 80+ agents without adding management headcount. Manual monitoring couldn't keep pace with growth, and quality consistency was slipping.
What we built: Custom AI-powered monitoring with automated scoring, performance dashboards, and workflow tooling. The AI system processes every interaction, flags quality issues, and surfaces patterns — replacing manual review at a fraction of the headcount cost.
50 → 80+ agents scaled in 3 months
Manufacturing ERP: complex business rules with audit trails
Situation: A manufacturer needed a custom ERP to handle non-standard cost estimation, procurement workflows, and production scheduling. Off-the-shelf ERP systems couldn't model their pricing rules or approval hierarchies.
What we built: Purpose-built ERP with configurable business rules, multi-level approval chains, real-time cost tracking, and full audit logging. Every calculation traceable. Every approval recorded. Integration with existing accounting and inventory systems.
Complex business rules + full audit trails
What we build for fintech companies and financial services.
Every fintech engagement is different. Here's the range of what we build — configured to your product type, regulatory obligations, and integration landscape.
Payment processing infrastructure with fraud detection, settlement, reconciliation, dispute management, and regulatory reporting. Built for scale, not for an MVP demo.
Loan origination, underwriting workflow, credit decisioning, credit bureau integration, servicing, and regulatory disclosure management. Full-cycle from application to payoff.
Portfolio management, performance reporting, client portal, fee calculation, and regulatory filing integrations. Built for RIAs, family offices, and emerging wealth management platforms.
Identity verification, document validation, sanctions and PEP screening, transaction monitoring, and SAR/CTR reporting workflow. Built for Bank Secrecy Act compliance and FinCEN reporting requirements.
Three concerns fintech companies raise.
"We need PCI DSS Level 1 compliance. Can you build to that standard?"
Yes. PCI DSS Level 1 compliance is an infrastructure and application architecture requirement. We design the cardholder data environment from the ground up — network segmentation, encryption key management, access controls, audit logging, and vulnerability management. We work with your QSA to produce the evidence required for the annual assessment. Compliance is built in, not certified after the fact.
"Our product needs FCA authorisation in the UK. Does your team understand UK financial regulation?"
Yes. FCA regulatory requirements affect the product's architecture in specific ways — CASS rules for client money segregation, conduct of business requirements, financial promotion rules, and operational resilience requirements. We've worked with UK-facing financial products and understand how regulation translates to technical requirements. You need a solicitor for legal sign-off; we handle the engineering side.
"How do you handle sensitive financial data in development environments?"
Production financial data never touches development or staging environments. We use synthetic data sets that mirror production schema without containing real account numbers, transaction histories, or PII. Production environments are isolated, access-controlled, and logged. We can deploy on AWS, Azure, or GCP using architecture that supports your compliance documentation.
How fintech engagements work.
Every engagement follows the same structure — with compliance built into every stage, not added at the end.
Enterprise systems we've shipped.
Production platforms for regulated industries, complex workflows, and enterprise operations — built and maintained long-term.
AI Call Center Software for Quality Monitoring
Enterprise client
A contact centre operation was scaling rapidly but had no automated way to monitor agent call quality at volume. Madgeek built custom AI call center software that scored agent calls against domain-specific criteria, surfaced coaching opportunities, and tracked performance trends in real time. The result: the operations team scaled from 50 to 80+ agents in 3 months without adding QA headcount.
agents scaled in 3 months
Custom Purchase Requisition Software for Enterprise
Tejas Networks Ltd.
A publicly listed telecommunications manufacturer was running procurement entirely on paper forms and manual approval chains. Madgeek built custom purchase requisition software with automated approval routing, purchase order generation, real-time inventory tracking, and document management. The result was a 90% reduction in paper-based approvals and full visibility across the procurement lifecycle.
reduction in paper-based approvals
Call Center SaaS Platform — ODC Partnership
Lead Tact
Lead Tact, a US-based call center SaaS company, needed a dedicated engineering team to build their platform from scratch — not a one-time vendor build, but an ongoing ODC partnership. Madgeek's dedicated team built and maintains the full product: dynamic call scripts, automated QA monitoring, real-time client portals, analytics dashboards, and lead management workflows. The same engineers from month one are still on the product, shipping features on Lead Tact's sprint cadence.
reduction in admin time for call center operations
Common questions about fintech software development.
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Start with a compliance architecture review — not a feature estimate.
We review your regulatory requirements and product model before we scope anything. Discovery calls are 30 minutes. Proposals arrive within 5 business days.
Book a discovery call