Fintech Software

Fintech products live or die on onboarding friction and operational visibility. We design KYC collection steps, document upload with virus scanning hooks, status pages that explain delays in plain language, and admin queues for analysts who approve or reject applications.

Lending and BNPL surfaces need amortization displays, payment schedules, and dunning communications that respect regional rules. We separate customer-facing copy from calculation engines so compliance can review wording without redeploying core logic.

B2B finance tools often combine invoicing, approval chains, and ERP exports. We model roles—submitter, approver, finance admin—and ensure each action is attributable in audit logs.

Responsive web applications with authenticated areas, multi-factor hooks, and session policies suited to financial products.

REST or GraphQL APIs that wrap payment gateways, KYC vendors, banking aggregators, and webhooks—with idempotent handlers and dead-letter visibility.

Operator dashboards for fraud review, support impersonation (when policy allows), and configuration of feature flags or fee tables.

Marketing sites and documentation portals that explain security practices without overclaiming certifications.

AI-assisted support deflection using retrieval over approved policy docs—not open-ended advice on financial decisions.

Fintech spans many regimes: PCI DSS for card data, local lending licenses, AML/KYC program requirements, and consumer disclosure rules. We treat these as inputs to architecture—tokenization instead of storing PANs, PII vaulting, and geo-fenced feature flags.

HiMat is a software vendor, not a licensed financial institution. We do not claim PCI Level 1 certification or regulatory approval on your behalf. Your compliance officers define what must be true; we implement and document controls that map to those requirements.

Security engineering includes secrets management, dependency scanning in CI, rate limiting on auth endpoints, and structured logging that avoids leaking account numbers or government IDs into log streams.

We start with threat modeling lite: assets, trust boundaries, and third-party dependencies. Integration contracts are stubbed early so sandbox credentials can be exercised in week one.

Release trains favor feature flags and progressive rollout. Critical money movement paths get automated tests around rounding, currency, and timezone boundaries.

Documentation for auditors includes data flow diagrams, subprocessors list placeholders, and environment separation notes—updated as scope evolves.

Collaboration hours flex across IST and client financial centers (US, UK, Singapore, UAE). Fixed-scope pilots are available when you need a dated demo for investors or partners.

Card present and card not present flows use gateway tokens; ACH and wire instructions display disclaimers your counsel approves. We never log full account numbers in application logs.

Open banking and aggregation APIs power balance checks and income verification when customers opt in; consent screens and revocation paths are first-class routes, not settings buried three menus deep.

Accounting exports—QuickBooks, Xero, NetSuite—map transaction categories explicitly so finance teams reconcile without CSV archaeology every month end.

Portfolio views show delinquency buckets, approval rates by segment, and support volume drivers—not only sign-up charts.

Regulatory reporting hooks export structured files when your compliance team defines schemas; we do not invent filing formats on marketing pages.

Incident runbooks document who can freeze accounts, rotate API keys, or broadcast status page updates when a vendor degrades.

Settlement calendars and holiday tables differ by corridor; batch jobs skip or defer gracefully instead of double-posting accruals.

Customer support tooling masks PANs and government IDs by default while still showing enough context for agents to resolve disputes.

Disaster recovery drills include restoring encrypted backups and validating webhook replay does not duplicate money movement.

Vendor management tracks certificate expiry for mutual TLS connections to banking partners—an easy miss that becomes a production outage.

Change management ties feature flags to compliance tickets when interest calculations or fee disclosures shift, preserving an audit trail regulators expect.

Performance tests simulate month-end interest accrual batches before they run for real—surprises at 2 a.m. ledger jobs are expensive politically and financially.

Sandbox environments mirror production segmentation so engineers never paste production credentials into demo apps shown at conferences.

Workshops run in overlapping hours between Chennai (IST) and your financial centers so compliance, product, and engineering attend the same roadmap reviews.

We deliver written decision logs after architecture meetings—vendors shortlisted, data classes identified, open risks—so audit trails start before code merges.

Pilot milestones align with fundraising or licensing deadlines you name; we avoid promising go-live dates before sandbox integrations prove latency and error budgets.