Financial Services

Build scalable financial technology for regulated, high-volume operations

OUR CLIENTS

Workflows that limit your financial growth

Growth slows when core systems can’t support new payment rails, KYC/AML queues delay onboarding, and manual reporting increases audit risk.

Talk to an expert

01.

Legacy core banking architecture

Core banking platforms built on monolithic architecture make every product change, new account types, rate structures, fee models, slow, expensive, and dependent on a shrinking pool of engineers who understand the original codebase.

02.

Manual KYC & AML bottlenecks

Customer onboarding running on manual document review, fragmented CDD checks, and disconnected watchlist screening creates compliance exposure, slows time-to-revenue, and generates the kind of audit findings that land on the CEO's desk.

03.

Spreadsheet-driven reporting

When daily GL reconciliation, IFRS 9 reporting, and stress testing outputs are assembled manually, finance teams spend their time managing data rather than analyzing it, and every regulatory submission carries avoidable error risk.

04.

Outdated payment infrastructure

Legacy payment processing systems not natively supporting ISO 20022, real-time payments, or open banking API standards create friction across correspondent banking relationships, card scheme integrations, and customer-facing transaction experiences.

05.

Fraud detection gaps

Rule-based fraud models miss emerging transaction patterns and generate false positive rates that damage customer experience and consume operations team capacity. Without ML-driven behavioral analytics, fraud losses compound quietly across the portfolio.

Financial technology services that reduce risk and accelerate growth

Core banking & platform modernization

Migrate monolithic core banking systems to cloud-native, API-first architecture, enabling new product lines, payment rail integrations, and digital channel launches without destabilizing your existing ledger or customer data.

Payments & transaction engineering

High-throughput payment infrastructure supporting ACH, SWIFT, ISO 20022, real-time payments, and open banking APIs, built for transaction volume, scheme compliance, and correspondent banking integration.

KYC, AML & compliance automation

Automated customer onboarding, CDD workflows, watchlist screening, and SAR generation, replacing manual compliance review queues with continuous, audit-ready processes that reduce regulatory exposure and time-to-revenue.

AI-powered fraud detection

ML models trained on your transaction data to identify behavioral anomalies, flag suspicious activity, and reduce false positive rates, protecting revenue and customer experience without increasing operations overhead.

GL reconciliation & regulatory reporting

Automated GL reconciliation, IFRS 9 provisioning, and stress testing data pipelines, replacing spreadsheet-dependent finance processes with audit-ready reporting that gives compliance teams confidence in every regulatory submission.

API-ready system re-architecture

Migrate aging core banking, payment processing, and document management infrastructure to maintainable, API-ready architecture, in phases, without disrupting live transaction processing, active loan books, or ongoing regulatory reporting cycles.

Lending & underwriting automation

Automate loan origination, credit decisioning, underwriting, and servicing to reduce manual review and improve approval consistency.

Custom software solutions for scaling financial services operations

Retail & Commercial Banking

We modernize core banking platforms, GL architecture, and digital banking channels for retail and commercial banks moving away from monolithic systems, enabling new product launches and payment rail integrations without destabilizing live operations.

Payments & Transaction Processing

We engineer high-throughput payment processing infrastructure supporting ACH, SWIFT, ISO 20022, real-time payments, and open banking APIs, built for transaction volume, scheme compliance, and seamless correspondent banking integration.

Lending & Credit Operations

We build end-to-end lending platforms with automated underwriting, IFRS 9-aligned credit scoring, and loan lifecycle management, reducing manual credit review time and improving decisioning consistency across retail and commercial books.

RegTech & Compliance Operations

We automate KYC/AML workflows, transaction monitoring, suspicious activity reporting, and regulatory filing processes across GDPR, Basel III, and jurisdiction-specific frameworks, replacing manual compliance queues with continuous, audit-ready operations.

Our delivery process built for regulated financial services operations

Discover & assess

Review your systems, workflows, data, integrations, and compliance considerations to uncover risks, bottlenecks, and modernization opportunities.

Deliverables: System assessment, architecture review, risk analysis.

Plan & Strategise

Define the solution roadmap, technical architecture, integrations, and delivery priorities around your operational and regulatory needs.

Deliverables: Solution roadmap, architecture strategy, delivery plan.

Design & build

Develop or modernize secure financial platforms across banking, payments, lending, compliance, fraud detection, and reporting.

Deliverables: Solution designs, working software, technical documentation.

Validate & refine

Test functionality, security, transaction accuracy, integrations, and applicable controls before production rollout.

Deliverables: QA reports, validation results, refinement log.

Deploy, support & improve

Deploy the solution, monitor performance, support adoption, and improve reliability and efficiency over time.

Deliverables: Deployment plan, monitoring reports, optimization recommendations.

Modernize financial systems without disrupting critical operations

From core banking and payments to compliance and lending, build a practical modernization roadmap around your existing infrastructure and regulatory requirements.

Engagement model that fits your financial services technology roadmap

Find the right engagement model

Dedicated team →

Project-Based Delivery →

Hybrid Delivery →

BEST FOR

Long-term core banking modernization, payment infrastructure builds, or compliance automation needing ongoing specialist continuity

Defined KYC/AML, payment rail integration, or reporting automation project with clear scope and timeline

Financial services businesses splitting delivery between internal IT and external specialists

MANAGEMENT

Team works as an extension of your organization with ongoing workflow ownership

tkxel manages delivery against a fixed scope and timeline

tkxel handles execution so your team can focus on strategy and oversight

FLEXIBILITY

Ongoing responsibility for defined workflows

Scope and timeline fixed at project start

Responsibilities divided and adjusted between both teams

COMPLIANCE

Team operates within your PCI-DSS, SOC 2, Basel III, or jurisdiction-specific regulatory requirements throughout

Deliverables scoped and documented to meet compliance requirements from day one

Compliance ownership split clearly between your team and tkxel

KNOWLEDGE

Institutional knowledge builds over time, engineers learn your payment flows, ledger structure, and regulatory obligations

Full documentation handed over at project close

Strategic knowledge stays internal, execution knowledge with tkxel

COST MODEL

Ongoing retainer, predictable and scalable

Fixed project fee, no surprises

Shared cost model based on divided responsibilities

800+ fintech specialists ready to modernize your operations

Delivering secure, compliance-ready software for banks, credit unions, payment processors, lenders, and fintech operators.

18 +

Years in financial services engineering

73 %

Of clients return for long-term partnerships

10 Years launching and building AI products

4 GLOBAL OFFICES

Proven outcomes across financial services

Streamlined ABB's operations with Salesforce and Azure integration

Manufacturing & IndustrialSalesforce Implementation

View case study

"tkxel shared our vision right from the get go, and helped us achieve the unthinkable. Their team was highly professional."

Pam Chitwood

Product Manager, ABB

50% reduction in support workload with AI-powered document retrieval

AgricultureArtificial Intelligence

View case study

"tkxel built an AI assistant that delivers accurate guidance fast and reduces manual work."

Director of Operations

23% increase in sales team productivity with a customized CSR system

Manufacturing & IndustrialEngineering

View case study

WATCH TESTIMONIAL

Nick Drogo

Global Director IT, Knowles

The SMB Playbook for AI Adoption in 2025

Based on real-world lessons from businesses scaling AI the right way.

Partnered with the world’s top cloud providers

As an AWS partner, we apply AWS best practices for secure architectures, performance optimisation, and cost efficiency. We also leverage AWS programs and tooling to streamline modernisation and reduce operational overhead.

Our Microsoft partnership gives you access to Azure best practices, optimisation frameworks, enterprise licensing benefits, and cloud adoption programs that accelerate transformation while maintaining financial control.

We bring deep experience across GCP’s native services, cost governance capabilities, and security controls to help you standardise operations and achieve consistent optimisation across distributed environments.

Start modernizing your financial systems today.

“tkxel completely transformed the way we manage our customer relationships. Their customized CRM system streamlined our processes and improved customer satisfaction. We highly recommend their services to any business looking for real results.”

Nick Drogo

Global Director IT, Knowles

“They helped us build a docketing app with an intuitive user interface, allowing our attorneys to track over 10,000 U.S. and international patent systems.”

Robert K Burger

COO, Sterne Kessler

“tkxel has proven beyond par that they excel not just in building and integrating with our team but building at a level that is at par with any US development team. Working with tkxel is one of the best decisions we have made.”

Umair Bashir

CTO, Replenium

“tkxel shared our vision right from the get go, and helped us achieve the unthinkable through perseverance and a thorough attention to detail. Their team was highly professional and possessed a firm grasp on technicalities, a combination that is hard to find in the industry.”

Pam Chitwood

Product Manager, ABB

What can we help with?

First Name *

Last Name *

Work Email * Invalid email address

Job Title *

Phone Number

Describe your project

I agree to receive marketing information and updates via email.

By "Submitting" this form, you are agreeing to tkxel’s Terms of Use and Privacy Policy. We will never sell, or trade your personal information, including phone numbers, with any third parties under any circumstances.

Nick Drogo

Global Director IT, Knowles

“They helped us build a docketing app with an intuitive user interface, allowing our attorneys to track over 10,000 U.S. and international patent systems.”

Robert K Burger

COO, Sterne Kessler

Umair Bashir

CTO, Replenium

Pam Chitwood

Product Manager, ABB

Frequently asked questions

What is core banking modernization?

Core banking modernization means upgrading legacy banking systems into API-first, cloud-ready platforms that support faster product launches, payment integrations, better scalability, and more reliable operations.

How can KYC and AML processes be automated?

KYC and AML automation uses digital workflows, document verification, customer due diligence, watchlist screening, transaction monitoring, and SAR generation to reduce manual review and improve audit readiness.

Why is ISO 20022 important for financial institutions?

ISO 20022 standardizes financial messaging, helping banks and payment processors improve interoperability, support real-time payments, streamline integrations, and meet evolving payment infrastructure requirements.

How does AI improve fraud detection in financial services?

AI analyzes transaction behavior, detects anomalies, identifies emerging fraud patterns, and reduces false positives, helping financial institutions protect revenue without overwhelming operations teams.

What are the benefits of modernizing payment infrastructure?

Modern payment infrastructure supports higher transaction volumes, real-time payments, open banking APIs, stronger reliability, easier payment rail integrations, and better customer transaction experiences.

Build scalable financial technology for regulated, high-volume operations

OUR CLIENTS

Workflows that limit your financial growth

Legacy core banking architecture

Manual KYC & AML bottlenecks

Spreadsheet-driven reporting

Outdated payment infrastructure

Fraud detection gaps

Financial technology services that reduce risk and accelerate growth

Core banking & platform modernization

Payments & transaction engineering

KYC, AML & compliance automation

AI-powered fraud detection

GL reconciliation & regulatory reporting

API-ready system re-architecture

Lending & underwriting automation

Custom software solutions for scaling financial services operations

Retail & Commercial Banking

Payments & Transaction Processing

Lending & Credit Operations

RegTech & Compliance Operations

Our delivery process built for regulated financial services operations

Discover & assess

Plan & Strategise

Design & build

Validate & refine

Deploy, support & improve

Modernize financial systems without disrupting critical operations

Engagement model that fits your financial services technology roadmap

800+ fintech specialists ready to modernize your operations

18 +

Years in financial services engineering

73 %

Of clients return for long-term partnerships

10

Years launching and building AI products

4

GLOBAL OFFICES

Proven outcomes across financial services

Streamlined ABB's operations with Salesforce and Azure integration

Pam Chitwood

50% reduction in support workload with AI-powered document retrieval

23% increase in sales team productivity with a customized CSR system

Nick Drogo

The SMB Playbook for AI Adoption in 2025

Partnered with the world’s top cloud providers

Start modernizing your financial systems today.

Nick Drogo

Robert K Burger

Umair Bashir

Pam Chitwood

Nick Drogo

Robert K Burger

Umair Bashir

Pam Chitwood

Frequently asked questions

Latest insights & resources

USA

Saudi Arabia

Portugal

Pakistan

Strictly Necessary

Performance

Targeting

Functional