Custom software
Business applications for processes packaged software handles poorly, integrated with your systems and owned by you.
Industries
Software, cloud and security for US fintech companies
Fintech projects are strict: regulators, bank partners and customers expect security, auditability and uptime from the first release. We bring a practical, engineering-led approach to building and running financial products in the United States.
Challenges we see
Fintechs move quickly; the environment around them does not forgive shortcuts.
Compliance arriving late
Identity, monitoring, records and reporting bolted on after launch, when change is hardest.
Partner due diligence
Sponsor banks, card networks and processors send long questionnaires and want evidence.
Integration sprawl
Processors, identity, core banking, accounting, aggregators: each its own API and failure modes.
Cloud security and cost
Built for speed: broad permissions, unclear environments, rising bills.
Fraud and takeover
Credential stuffing, synthetic identities and social engineering at onboarding and payout.
Engineers doing IT
Laptops, SaaS accounts, access reviews and incidents alongside product work.
How Promatics helps
Product engineering
Platforms, APIs and back-office tools with audit trails and approvals built in.
Cloud engineering
Environments, infrastructure as code, least privilege, encryption, logging and cost controls.
Integrations
Gateways, identity, accounting and CRM, reconciled, with alerts when payments fail.
Security assessments
An independent view of controls before partner reviews.
Layered security
Endpoint detection, identity protection and monitoring, aligned with NIST CSF.
Compliance readiness
Controls, policies and incident procedures documented for your compliance officer's program.
More detail
- Product engineering builds web platforms, APIs and back-office tools with audit trails, role-based access, maker-checker approvals and data retention designed in, not added later.
- US cloud regions are used where residency matters.
- Integration retry logic, reconciliation and alerting mean failed transactions do not disappear silently.
- For the company itself, managed IT also covers system design and networking, software license management, hardware procurement and inventory, and on-site systems maintenance where your agreement includes it.
- The virtual CIO provides strategic assessments, gap analysis and project management.
Your company IT: a remote 24/7 help desk for managed-service clients and a virtual CIO as you scale. Your engineers: we take infrastructure, integrations or security while they build the product, with shared repositories and clear ownership.
AI features with controls. Document checks and customer assistants built through generative AI development with evaluation, access control and audit logs, plus AI governance reviews. Where records must not leave your environment, open-weight models on servers you control.
US regulatory context
| Area | What applies |
|---|---|
| AML and FinCEN | Money services businesses, including many payment and remittance companies, register with FinCEN and keep a Bank Secrecy Act AML program: customer identification, record keeping, reporting suspicious and certain large transactions, ongoing monitoring. Systems must capture and retain it reliably. |
| State licensing | Money transmission and lending are generally licensed state by state, each with its own security, record-keeping and reporting rules. Confirm them with counsel for each state where you operate. |
| Consumer financial data | Open banking has been shaped by the CFPB's Section 1033 rulemaking (Dodd-Frank Act) and industry standards. Status and timelines keep changing: check current requirements with your legal adviser. |
| PCI DSS | Applies if you store, process or transmit cardholder data; good architecture can shrink scope. |
| Security and privacy | GLBA Safeguards Rule; NYDFS Part 500 for New York-regulated companies. Privacy under GLBA, the FTC Act and state laws; every state has a breach notification law. |
| Bank partners | Sponsor banks supervised by federal regulators apply the interagency third-party risk guidance and the FFIEC IT Examination Handbook to fintech partners; expect them to flow down to you. |
General information, not legal advice. We do not certify compliance or act as your compliance officer.
Services for fintech
Generative AI development
Custom AI assistants that answer from your approved documents and data, with sources, permissions and testing.
System integration
Connect your applications so data is entered once, moves reliably, and failures are caught, not lost.
Security assessments
Security in plain language: what could go wrong, how likely it is, what to fix first.
Cybersecurity services
Assessments, endpoint protection, email security, training, incident readiness, and 24/7 monitoring for managed-service clients.
Privacy and compliance readiness
Privacy and security practices ready for regulators, clients, auditors and insurers, gaps fixed before anyone asks.
Related
Future-proofing payment gateway integration
Connect payment gateways so payments stay secure, reconcile cleanly and adapt as US options change.
Intelligent automation in payments
Which payments processes to automate, how to keep automation auditable, and the US regulatory context.
Secure trust management and trading platforms
Design decisions, controls and US regulatory questions to settle before building trust or trading software.
Talk to us about your product
Tell us what you are building, who your partners are and what your compliance team needs. We will suggest a practical first step.