Payments & wallets
Payment orchestration, ledgers and reconciliation.
Industry focus
Financial Software Development: Fintech, Banking and Insurance Platforms
Secure, auditable and scalable software for banks, lenders, insurers and fintech startups, engineered for trust and built to evolve with regulation.
- Java / Spring Boot
- Node.js
- Python
- .NET
- PostgreSQL
- Kafka
The landscape
Challenges we help solve
01
Legacy core systems that resist change
02
Manual, paper-heavy onboarding and approvals
03
Fragmented customer data across products
04
Pressure to launch digital channels quickly
05
Rising fraud and compliance workload
06
Slow, costly integrations with partners and banks
Capabilities
Where we help financial organisations
Digital banking
Customer apps, onboarding and account management.
Lending platforms
Application, scoring, servicing and collections.
KYC & onboarding
Document capture, verification and risk checks.
Fraud & risk
Rules, anomaly detection and case management.
Reporting & insight
Regulatory reporting, dashboards and analytics.
The difference
What finance-grade engineering means
Typical app
Financial-grade platform
Data integrity
Eventually consistent is fine
Transactional, idempotent, reconciled
Audit
Basic logging
Immutable, complete audit trails
Security
Standard authentication
MFA, encryption, key management, segregation
Availability
Best effort
Resilient design with failover
Change control
Ad hoc
Reviewed, tested, traceable releases
Delivery
Delivery approach for regulated environments
-
1
Requirements & risk
Business rules, regulatory context and threat model.
-
2
Architecture
Security, resilience and integration design.
-
3
Build with controls
Reviews, testing and secure SDLC.
-
4
Assurance
Penetration testing support and UAT.
-
5
Operate
Monitoring, incident response and change management.
Technology
Typical financial services technology stack
Core engineering
- Java / Spring Boot
- Node.js
- Python
- .NET
- PostgreSQL
- Kafka
Payments & identity
- Stripe
- Razorpay
- Plaid / Open Banking APIs
- UPI / ACH integrations
- Onfido / Veriff
- OAuth 2.0
Security & ops
- PCI-aware design
- HSM / KMS
- Vault
- Kubernetes
- SIEM integration
- Terraform
Work with us
How to build your financial services solution with Cruzata
FAQ
Financial Services software: your questions answered
What financial software does Cruzata develop?
Digital banking and wallet apps, payment integrations, lending and onboarding platforms, KYC workflows, fraud tooling, reporting and analytics for banks, NBFCs, insurers and fintechs.
How do you handle security and compliance?
We use secure development practices, encryption, strong authentication, audit trails and reviews, and design to support standards such as PCI DSS and SOC 2. Your organisation’s controls and certifications complete the picture.
Can you modernise a legacy core system gradually?
Yes. We use incremental approaches such as wrapping legacy systems with APIs and extracting capabilities in stages.
Do you integrate with payment gateways and banks?
Yes. We integrate payment providers, open-banking APIs, KYC vendors and core banking interfaces.
Also serving
Planning a financial services project?
Share the outline. We will reply within one working day with questions or a clear next step.