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Steigern Tech - Technologies Inspire Us
FINTECH & BANKING

Financial Technology Engineering, ledgers and APIs built to be trusted.

Double-entry ledgers, real-time fraud detection, automated lending, KYC/AML onboarding, and open banking integrations — engineered with the security posture and sub-millisecond execution that regulated finance actually requires, not the version that just looks good in a demo.

DOUBLE-ENTRY LEDGERDEBITCREDITCash · Merchant250.00Customer wallet250.00Σ Debit = Σ Credit ✓ BalancedFraud AI · liveBlocked · risk score 0.97UPI₹ 2,400Card$ 250.00SEPA€ 1,200Card$ 9,900✕ $ 9,900AES-256-GCM · 9f3a e1c7 04b2 7d5e · TLS 1.3 · c8a1 52f0 e93b 1d7a · SHA-256 · 6be4 0a9cp99 latency 0.8 ms⚠ Fraud flaggedKYC / AML ONBOARDINGID documentFace matchAML screening✓ Verified in 40sOPEN BANKING APIs200 OK200 OK200 OKAUTOMATED LENDINGCredit scoreScore742✓ Approved 2.1sPCI DSSSOC 2AES-256ISO 27001Built for regulators, not just demos
Sub-10ms
Ledger Settlement Time
99.999%
System Availability SLA
Zero
Audit Discrepancies
SOC 2
Certified Delivery Protocols
THE FINTECH LANDSCAPE

Banking infrastructure is moving from legacy mainframes to real-time API ledgers.

Modern financial products need sub-second settlement, instant KYC, and cryptographic audit trails solid enough to satisfy regulators in multiple jurisdictions at once.

01 · OPEN BANKINGGlobal Valuation
$43B

Global Open Financial API Ecosystem

Financial institutions are moving off closed, monolithic cores toward secure Open Banking APIs that support embedded lending, account aggregation, and third-party integration.

OPERATIONAL REALITY

Banks that open secure, standardized endpoints tend to capture more deposit volume and fee income, simply by becoming the underlying ledger other apps build on top of.

02 · FRAUD MITIGATIONRisk Reduction
-65%

Reduction in Transaction Fraud Losses

Measured drop in unauthorized chargebacks and account takeovers when continuous behavioral biometrics and sub-50ms ML scoring watch the transaction stream.

OPERATIONAL REALITY

Rules-based fraud prevention creates too much false-positive friction at checkout. Self-tuning ML risk models catch synthetic identity fraud without penalizing your best customers.

03 · LENDING VELOCITYCycle Time
3 Min

Automated Commercial Underwriting

End-to-end small-business loan decisioning, down from roughly 5 business days at legacy institutions to single-digit minutes with automated data ingestion.

OPERATIONAL REALITY

Linking directly to accounting and tax data lets automated underwriting issue instant loan agreements while enforcing stricter risk limits than most manual review desks.

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FINTECH DEMAND DRIVERS

The forces redefining modern financial systems.

Regulatory scrutiny, instant-settlement expectations, and increasingly sophisticated fraud rings leave zero room for error in financial engineering.
01 · INSTANT PAYMENTS

24/7 settlement is now the expectation

Consumers and businesses expect instant, always-on bank-to-bank settlement (FedNow, SEPA Instant, UPI) — not multi-day clearing.

02 · REGULATORY SCRUTINY

Compliance has to be architectural, not bolted on

PCI-DSS, AML6, and SOC 2 Type II all require automated cryptographic logging, immutable ledgers, and airtight privacy by design.

03 · ONBOARDING FRICTION

Every extra KYC field costs you conversions

Automated OCR, face liveness checks, and database lookups aren't extras — they're what separates onboarding that converts from onboarding that doesn't.

04 · EMBEDDED FINANCE

Finance is showing up inside everyone else's app

E-commerce, SaaS, and marketplaces are embedding cards, credit, and wallets directly into their own user journeys.

05 · ALGORITHMIC UNDERWRITING

Credit decisions are moving to real time

Alternative data and machine learning enable real-time credit scoring for unbanked and small-business borrowers legacy models miss entirely.

06 · CYBER FRAUD

Fraud rings are getting more sophisticated, fast

Synthetic identity fraud and account takeover demand real-time behavioral telemetry, not periodic batch review.

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FINTECH CAPABILITIES

Core financial systems engineered for absolute precision.

We build immutable double-entry ledgers, banking microservices, and consumer wallet apps to a standard that holds up under real audit scrutiny.

01CORE LEDGER
SYSTEM TOPOLOGY

Double-Entry Accounting Ledgers

High-throughput, immutable ledger services with strict balance assertions and ACID guarantees, so the numbers never quietly drift.

PRODUCTION PIPELINE FLOWLIVE TELEMETRY
SECURE INGRESS
API Gateway
mTLS 1.3 Strict Auth
EVENT BROKER
Kafka Stream
Double-Entry Immutability
AUDIT VAULT
Ledger DB
ACID Distributed Store
PROVEN OUTCOME
Sub-10ms Settlement · $1.4B Volume
Cross-Border B2B Payments Processor

An immutable double-entry ledger on PostgreSQL and Redis processed $1.4B in annual volume with zero balance-reconciliation discrepancies.

← Swipe card →
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FINANCIAL AI

AI models built for risk, fraud, and accuracy.

In financial engineering, a black-box model is a regulatory liability. We deploy explainable machine learning with a decision log you can actually hand to a regulator.

01 · FRAUD MITIGATION

Real-Time Transaction Anomaly Detection

Inference pipelines that evaluate hundreds of behavioral features in under 15ms to block suspicious card authorizations before they clear.

Production ReadySub-second SLA
02 · CREDIT SCORING

Explainable Credit Risk Modeling

Gradient-boosted decision trees with SHAP values, so regulators and borrowers alike get a transparent reason behind every credit decision.

Production ReadySub-second SLA
03 · RECONCILIATION

Automated Financial Reconciliation

Matching algorithms that reconcile bank statements, payment gateway logs, and internal ledgers without a finance team doing it by hand.

Production ReadySub-second SLA
04 · CHURN PREVENTION

Customer Lifetime Value & Churn Modeling

Behavioral analytics that catch high-value account churn signals early enough to trigger a retention play that works.

Production ReadySub-second SLA
05 · DOCUMENT OCR

Financial Statement & Tax Parser

Deterministic NLP that pulls income, EBITDA, and debt obligations out of messy PDF balance sheets and tax filings.

Production ReadySub-second SLA
06 · ASSISTANT

Grounded Financial Advisory Agents

Private AI assistants grounded in your customer's actual portfolio data, for budgeting, debt payoff planning, and spend analysis.

Production ReadySub-second SLA
FEATURED WORK & CASE STUDIES

Proven track record with industry leaders.

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FINANCE TRANSFORMATIONPCI-DSS Level 1100% Milestone Delivery

Fincase: IPO News Mobile App

Fincase helps you stay updated with IPOs, Upcoming IPOs, and previous IPOs. Track IPO details, subscription status, Grey Market Premium (GMP), allotments, and finance news – all in one app.

Read Architecture Deep Dive
THE FINTECH PARTNER DIFFERENCE

Security-first engineering trusted by regulated institutions.

We build financial systems designed to clear third-party penetration tests, security audits, and banking-partner reviews without a list of objections attached.

01ARCHITECTURE

Zero-data-loss ledger design

Event-sourcing and immutable journal logs mean every cent is cryptographically traceable back to its source.

Steigern VerifiedPillar 01
02COMPLIANCE

SOC 2 Type II and PCI-DSS readiness

Security policies, automated vulnerability scanning, and encrypted database configuration built to satisfy an auditor's checklist.

Steigern VerifiedPillar 02
03INTEROP

Fluent in Open Banking & core banking APIs

Real experience with Plaid, Stripe, Marqeta, Thought Machine, Mambu, and major international banking APIs.

Steigern VerifiedPillar 03
04PERFORMANCE

Sub-10ms query execution

Optimized Postgres schemas, partition pruning, and Redis caching that keep authorization responses fast under load.

Steigern VerifiedPillar 04
05RESILIENCE

Active-passive failover, automated

Multi-region database failover that keeps your payment channels live even when a region goes dark.

Steigern VerifiedPillar 05
06GOVERNANCE

Complete IP ownership & code transfer

Source code, cryptographic keys, infrastructure-as-code, and documentation belong entirely to your firm.

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— FINTECH QUESTIONS

Answers for CTOs, compliance officers, and founders.

We build double-entry ledger architecture on database-level constraints and atomic transactions. Every financial event creates matching debit and credit entries, with invariants that assert a zero balance before any commit is allowed.
PROCESS

Idea to Market–Ready Product

We turn your idea into a secure, compliant, and test-ready product in weeks, not months.

STAGE
STAGE
STAGE
STAGE
STAGE
STAGE
Day 1 – 2

Inquiry & Scoping

We rapidly decompose requirements, pressure-test commercial viability, and align technical scope before capital is committed.

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AI Advisor