Fintech & Financial Services
Banks, insurers, payment processors and fintech. Data engineering, automated compliance and high-availability financial architectures.
Sector challenges
The problems we know well
These are the challenges we repeatedly encounter in this sector. We have solved them before and we know how to solve them for you.
Ever-changing regulatory compliance
PSD2, MiFID II, DORA, central bank regulations. Regulations change faster than teams can implement them. The cost of non-compliance is existential.
Unreconciled data silos
Core banking systems, payment platforms, CRMs and risk tools generate data that doesn't cross-reference. Manual reconciliation is slow, error-prone and doesn't scale.
Processing latency
Risk, fraud and credit decisions need millisecond responses. Legacy architectures cannot process the volume and speed the current market demands.
Fragmented user experience
Customers expect a seamless digital experience comparable to leading fintechs. Legacy systems make it difficult to offer fast onboarding, self-service and omnichannel communication.
Our solutions
How we solve it
Proprietary platforms and custom development combined to address the specific challenges of your sector.
abemonFLOW
Financial process orchestration: client onboarding, KYC/AML verification, automatic reconciliation and governed regulatory reporting.
Data engineering
Real-time data pipelines, financial data lakes, ML-powered risk and fraud models, and event-driven architectures for high-frequency processing.
Results that speak for themselves
99.99%
Critical systems availability
< 50ms
Risk decision latency
100%
Automated regulatory compliance
70%
Manual reconciliation reduction
Finance that scales with confidence
The financial sector operates under unique pressure: any error can have immediate regulatory, reputational and economic consequences. At the same time, competition from digitally native fintechs demands innovation speed that legacy systems cannot deliver.
The challenge isn’t choosing between security and speed. It’s building architectures that guarantee both.
What we observe in the sector
Working with financial institutions, payment processors, insurers and fintechs across Spain and Europe:
Compliance eats the budget. Compliance teams grow faster than product teams. Every new regulation requires changes to systems, processes and reports. Without automation, compliance is a permanent drag that slows innovation.
Data doesn’t cross-reference. The core banking system has one version of the customer, the CRM another, the risk system a third. Manual reconciliation between sources is not just slow, it’s an operational risk. An inconsistent data point can mean an incorrect credit decision or an erroneous regulatory report.
Legacy architectures don’t scale. Batch systems that process operations overnight are no longer sufficient. Customers expect real time: instant payments, immediate notifications, second-by-second updated balances. And regulators demand increasingly granular and frequent reporting.
Digital experience is the new battleground. Onboarding a customer at a fintech takes minutes. At a traditional institution it can take days. The difference isn’t regulatory, it’s technological. The same KYC/AML verifications can be performed in real time with the right infrastructure.
Our approach
We build the data and orchestration layer that connects legacy systems with modern capabilities. abemonFLOW orchestrates complex financial processes: onboarding, identity verification, reconciliation, regulatory reporting. And our data engineering teams build the pipelines that power real-time decisions.
We don’t replace the core banking system. We enhance it with an intelligent layer that processes, decides and reports at the speed the market demands.
Tell us about your tech challenge
30 minutes. No commitment. We diagnose your current situation and propose a concrete action plan.
Financial architecture consultation