AI-native digital products for financial services

AI creates opportunities across customer experience, operations and entirely new products and services. We start with your business: where value is created today, where friction exists and where technology can genuinely move the needle.

That might mean intelligent workflows that reduce manual work, AI-supported decision-making, more personalised customer experiences or entirely new propositions built around capabilities that weren’t previously possible.

The technology follows the opportunity, not the other way around.

The most valuable AI products rarely operate in isolation. They need to work with existing platforms, data, workflows and people, while meeting the standards of security, reliability and control expected of financial products.

Our financial-services work has included integrating Open Banking through Plaid, building products around income and spending data and developing applications that work directly with payment-terminal infrastructure.

That experience matters when introducing AI into products and systems that already have complex technology and user requirements.

We combine deterministic software with AI where it adds value, designing and building systems that can automate, predict, interpret and act. We validate them in real-world conditions and design around the commercial and operational realities of running AI at scale.

We work with ambitious organisations looking to improve existing financial products, rethink how their business operates or create something entirely new.

For Mintago, we designed and built a financial wellbeing platform across iOS, Android and web, including Open Banking integration and tools that help employees understand their finances and plan towards financial goals.

For Payment Loyalty, we explored payment infrastructure across multiple payment service providers before designing and building a customer-facing payment-terminal application and merchant platform for creating and managing loyalty programmes. Neither started with a predetermined technology. They started with the product, the users and the problem to solve. We bring the same approach to AI: identify where it can create meaningful value, then design and build the product around it.