Financial
Services
Banking apps, PromptPay and payment flows, eKYC onboarding and fraud monitoring for Thai banks, lenders, insurers and fintechs, designed around Bank of Thailand expectations and PDPA from day one.
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We work with banks, insurers, asset managers, lenders and fintech start-ups on the software their customers touch every day: mobile banking, payments, onboarding and fraud monitoring. Projects start by listing which licences, regulators and data you are responsible for, so compliance becomes part of the design instead of a late review. Delivery runs in short cycles with working builds, security testing and a clear handover to your own engineers or ours.
Challenges
Key Challenges
The problems teams in this industry bring to us most often, and the ones we plan each project around.
Regulatory Complexity
A financial product in Thailand can answer to the Bank of Thailand, the SEC, the OIC and PDPA at the same time, and the circulars on e-payments, eKYC and outsourcing keep being revised. Many teams still check each release against those documents by hand. We turn the rules that apply to your licence into checks and approval steps inside the product, with a log your compliance team can hand straight to an auditor.
Legacy Core Systems
Many core banking systems were written decades ago and still process millions of transactions a day, so there is no quiet weekend when it is safe to switch them off. Replacing everything at once is too risky and too expensive. We build new apps and services beside the core, connect them through APIs or a message layer, and move one product line at a time, each with a rollback plan.
Fraud and Cyber Threats
Phishing links, SIM-swap, mule accounts and fake QR codes are familiar scams to Thai bank customers, and attackers also go after APIs and internal admin tools. Security needs several layers: device checks, step-up authentication, transaction monitoring and a clear incident procedure. We plan these with your security team from the first sprint instead of adding them in the week before launch.
Customer Expectations
Thai customers are used to scanning a PromptPay QR and watching the money land within seconds, and they compare every financial app with the smoothest one on their phone. A long sign-up form, a branch visit for a simple request or an interface that only makes sense in English will lose them. We design in Thai first, keep each flow short, and test it with real users before development starts.
Industry at a Glance
Global Digital Banking Platform Market by 2028
Grand View Research, 2024
Industry at a Glance
Global Fintech Investment in 2024
CB Insights State of Fintech, 2024
Industry at a Glance
Consumers Using Mobile Payments Regularly in Southeast Asia
McKinsey Digital Payments, 2024
Capabilities
Our Capabilities
The kinds of systems we build for this industry, what each one does, and who it is for.
Digital Banking Platforms
Mobile-first banking apps covering account opening, balances, transfers, bill payment, card controls and spending summaries. They suit banks, savings co-operatives and digital-only lenders that want a better app than the one customers complain about today. We deliver the app, the admin tools behind it and the integration with your core.
Payment Solutions
Payment flows for PromptPay QR, card, wallets and bank transfer, with reconciliation and refund handling built in. Merchants, platforms and payment providers use them to accept money without losing track of what was settled and when. We pay particular attention to timeouts, duplicate payments and failed callbacks, because that is where real money goes missing.
Risk & Compliance Platforms
Tools for KYC checks, AML screening, transaction limits and regulatory reports, with every decision recorded. Compliance and risk officers can see why a case was flagged, who reviewed it and what they decided. This cuts repeated manual checking and keeps you ready when an inspection arrives.
Wealth Management Tools
Portfolio views, suitability questionnaires, advisor workspaces and market data screens for asset managers, securities firms and advisory teams. Investors see their holdings clearly, and advisors see which clients need a call. We build to the way your firm already classifies risk, not to a generic template.
Open Banking APIs
A managed API layer with authentication, consent, rate limits and a developer portal, so partners can connect to your services safely. It helps banks and fintechs share data and trigger payments with partners without handing over database access. You get versioned APIs, clear documentation and monitoring of who calls what.
Digital Onboarding & eKYC
Sign-up flows that read a Thai national ID, run a face match and liveness check, and screen the applicant before an account opens. Lenders, insurers and wallets use them to turn a branch visit into a few minutes on a phone. We design the steps so people who fail a check get a clear way to retry or reach a human.
Tech Stack
Technologies We Use
The tools and frameworks we reach for most often, chosen because they are stable, well documented and easy to find people to maintain.
Use Cases
Use Cases
Typical projects we take on in this industry, and what each one delivers.
Mobile Banking Application
A full retail banking app with biometric login, instant transfers, card management and spending insights. A bank or lender gets a design system, the app for iOS and Android, an admin console and integration with its existing core. We usually launch to a small group of staff and customers first, then widen.
Fraud Detection Engine
A transaction-monitoring service that scores payments as they happen, using rules plus machine learning on patterns such as new devices, unusual amounts and rapid repeat transfers. Analysts get a queue of flagged cases with the reasons shown. The aim is to catch more real fraud without blocking good customers.
Open Banking Integration
An API gateway and developer portal that lets partners read account data with customer consent and start payments. Partners can sign up, test in a sandbox and go live under your rules. You keep control of access, limits and monitoring in one place.
Have a project in mind?
Tell us what you are building, and we will suggest where to start.