Custom software for banks, insurers, pension funds, asset managers and fintech start-ups. Client portals, KYC flows, compliance platforms, risk and portfolio tooling, financial modelling apps and white-label tools, built around the regulation you know, alongside the packages you already run.
Let us be clear from the outset: an enterprise bank looking to replace its entire core, or an insurer rebuilding its policy administration from scratch, is a multi-year, multi-million-euro undertaking. That is the territory of Temenos, FIS, Finastra, Mambu, SS&C, Avaloq and their peers. We do not do that. The same applies to the standard suites Wolters Kluwer OneSumX, ING Tools or the Adyen platform: buy the package, and we will connect to it.
What we do instead is build the software that is missing alongside those standard packages. A modern client portal for account access, transactions or policies. Digital onboarding with KYC and Wwft checks. A platform on which your compliance team records DORA incidents and third-party risk. Risk and portfolio management tooling that runs your own models, rather than the generic version from a Bloomberg add-on. Quant apps for financial modelling, treasury tools for corporates, claims platforms for insurers, and fintech MVPs for start-ups that do not yet even have a core.
Our clients: banks wanting to renew a specific flow, insurers needing digital claims or policy portals, pension funds modernising participant environments, asset managers whose client reporting still goes out as PDF, payment institutions launching a product under PSD2 or PSD3, family offices that no longer want to consolidate their reporting in Excel, asset managers with factor models, trust offices digitising their client files, and accountants or tax advisers developing a fintech arm. The common thread: you know the regulation and the market, and we build the software that makes it work.
Three types of projects where our experience with regulated financial platforms, custom fintech and compliance software comes into its own. In the first conversation, we determine which path fits your scope, your existing IT landscape and the regulator keeping an eye on things.
Your core systems work well: it's only the layer your customers use every day that feels outdated. We build the modern client portal for account access and transactions, the member portal for a pension fund, a policy and claims environment for an insurer, or an onboarding app with integrated KYC and Wwft checks. With SSO via your IdP, iDIN or DigiD for identity, push notifications for every status change, and an API layer that connects cleanly with your existing core rather than replacing it.
For teams working with regulation and risk: a platform where you record DORA incidents, third-party risk and ICT resilience, a KYC and AML environment that supports your onboarding, a DORA platform (see also DORA compliance software), or a risk management tool where you track limits, exposures and stress scenarios without replacing your core system. With auditable logging, dashboards for your board, and a data model that can feed AFM, DNB or internal audit reports directly.
For fintech start-ups, asset managers, family offices and quant teams that need their MVP, V2 or a specific modelling application. Financial modelling software that takes Python models from research into production, a treasury tool for corporates that consolidates liquidity across multiple banks, a white-label platform for financial tools that you supply to partners under your own brand, or a wealth platform with client reporting and portfolio analytics. Open Banking integrations via PSD2, a calculation engine that scales, and all DORA, GDPR and MiFID II requirements built in.
Some financial entities are designated for threat-led penetration testing, with their own role separation and delivery. See the page on TLPT software.
The financial sector draws a sharp distinction between standard suites, licensing and custom software. We deliberately operate in the latter domain, and we are transparent about that.
For packaged solutions (a new core, a Solvency II reporting engine, an EMIR transaction reporter), you work with specialist vendors. For licences, you work with a Wft lawyer or compliance adviser. We connect technically to these and build the part where the existing offering falls short.
The financial sector is a layered stack of regulation, and the software you deploy there must support that layering properly. We build software with the Wft, DORA, MiFID II, IDD, EMIR, PSD2 and, in the near term, PSD3, GDPR, Wwft, Solvency II, IFRS and, for parties under direct DNB supervision, BIO as the framework. We build the controls into the software rather than adding them as a separate procedural layer on top, so every transaction and every user action is automatically checked against the rules your compliance team has defined.
In practice, this means: an immutable audit trail for every change, recording who, what, when and why. A role and authorisation model that demonstrably enforces segregation of duties. KYC and Wwft checks that apply the right level of due diligence for each client category. Transaction monitoring with rules your compliance officer can adjust personally, plus alert flows to AFM notifications or FIU reports where relevant. And for DORA: a register of ICT third parties, an incident classification scheme, and exportable overviews for your supervisor.
On the privacy and data side: encryption in transit and at rest as standard, secret management via an HSM or cloud equivalent (AWS CloudHSM, Azure Key Vault Managed HSM), pseudonymisation wherever the business allows, and retention periods derived from the legal regime rather than an arbitrary default. We document the controls in a way your compliance or internal audit team can reuse directly for DNB, AFM or EBA reporting. Not a loose spreadsheet, but output generated by the system itself.
With OneDayBuild, we turn your idea into something tangible in one day for €1,150, so you can see whether further development is worth the investment. Decide to go ahead with the full build? Then we credit the full cost.
Explore OneDayBuild →Four recognisable patterns in which we often become involved in the financial sector. If one of these sounds familiar, we would be happy to talk further.
Your core administration works well, but the client environment hasn't been touched in years. Account access, policy changes or transaction history sit on a legacy interface that is unusable on mobile. A new portal alongside the core system, with an API layer that leaves the core untouched, is then the smartest route.
The DORA deadline is approaching and your incident management lives in a shared mailbox. Your Wwft onboarding consists of loose Word forms. Or MiFID II requires call recordings and suitability checks that your current stack cannot handle properly. A modular compliance app that digitises this workflow tightly, without having to replace your core system.
You have a fintech idea (a savings product, a payments app for a community, a wealth tool for a niche group) and the first version needs to reach the market on a sound foundation. With a BaaS rail underneath, integrations to Adyen or a PSP, and an architecture that scales towards V2 without starting over.
Your quant or research team runs financial models in Python or R, in notebooks that nobody else can reproduce. A modelling app that takes those same models into production in a reproducible way, with version control, governance and explainable results, for risk management or client reporting, and also suited to supervisors who ask for model explanations.
A conversation to understand which product you are bringing to market, which standard packages you already run, which regulations apply, and what your own team can already take on. By the end we have a shared picture of the scope and an initial split between packaged and custom development.
A workshop with your tech and compliance team. We map the relevant requirements (DORA, Wft, MiFID II, GDPR, Wwft, and possibly Solvency II or PSD2) onto concrete software controls. This leads to an architecture document, a data model and the first screen flow for the highest-priority use case.
A working build every two weeks in a feature-flagged staging environment, so compliance and security reviews can run in parallel with development. We schedule a penetration test well before go-live and involve your internal audit early, so there are no endless control rounds at the end.
A phased go-live, with a controlled rollout to a first group of customers or teams. After that, ongoing management: monitoring, security patches, regulatory change (PSD3, the AI Act, revised DORA RTS), and further development based on what your customers and compliance team actually need.
The questions we are asked most often before starting a project for the financial sector.
A no-obligation introductory call of half an hour. Tell us about your product, the packages you already run and the regulation that applies — we'll give you direction you can use, even if you ultimately go ahead with someone else. For larger fintech, insurance or compliance questions, we also involve our enterprise software team.
Would you like to look at this challenge from the custom software side? On applatenmaken.com you'll find a detailed look at Financial software and insurance.
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