Software engineering for European fintech, under European governance.
Dedicated engineering teams for payments, lending, wealth and banking-as-a-service. PSD2-aware, DORA-scoped, with one European contract and one accountable delivery lead.
Engineering capacity that understands regulated financial software.
Fintech engineering is not generic CRUD. It is reconciliation, idempotency, signed audit trails, regulator-ready reporting and zero-downtime release windows. Our teams are scoped around that reality, and the contract reflects it.
Strong Customer Authentication, open banking APIs, dynamic linking, handled as a default capability, not a learning curve on your project.
ICT risk management, incident reporting and resilience testing scoped into the engagement so you are not retrofitting compliance later.
Documented decisions, signed-off releases, named change owners. The artifacts your auditors and regulators expect, produced as a by-product of how we work.
Signed with our European entity, under European law, GDPR-aligned, with named DPO contacts and processor obligations defined upfront.
When dedicated fintech engineering is the right call.
Payments, lending, banking-as-a-service, wealth, where every release touches audit, compliance and the regulator's window.
Replacing core systems, splitting monoliths, adopting event-driven patterns, with zero tolerance for downtime or data loss.
Platforms that need the same engineers compounding context across feature work, modernization and incident response.
From first conversation to first sprint in four to eight weeks.
- 01Scope and shape
We work with your engineering, product and compliance leadership to define roadmap, seniority mix, stack and the regulatory perimeter the team will operate inside.
- 02Named team proposal
You receive a proposal with named engineers, sector references and a delivery lead. Every role is interviewed by your team before joining.
- 03Onboarding inside your perimeter
Engineers integrate into your tooling, security perimeter, audit logging and rituals. First sprint typically runs within four to eight weeks of signed engagement.
- 04Continuous operation
Monthly written reviews with the delivery lead, transparent reporting, named escalation path for incidents and regulatory questions.
Why fintech leaders pick this model.
Anonymous pools, no sector context, audit gaps to retrofit. Cheap on paper, expensive in regulatory exposure.
Real-time, but priced as a premium and limited to whoever happens to be on the market this month.
Named engineers, sector fluency, European contract. Audit-ready governance produced as a by-product of how we work.
About fintech software development with Luminedge.
Do your engineers have experience with payments and core banking systems?
Yes. Roles are scoped against your stack and regulatory perimeter, payments rails, ledgers, reconciliation, SCA, open banking, and every named engineer is interviewed by your team before joining. We do not staff sector-specific roles from a generic pool.
How do you handle DORA and PSD2 obligations in a delivery engagement?
ICT risk management, incident reporting, third-party register obligations and SCA requirements are scoped into the engagement contract before the first sprint. Your compliance team reviews and signs off; we operate inside that perimeter.
Where is the engineering data stored?
Source code, tickets and engineering data sit inside your tenancy and tooling. Our engineers work in your perimeter, under your access controls, not in a parallel vendor environment.
How fast can a fintech engineering team be operational?
Typical lead time from signed engagement to the first sprint is four to eight weeks. Sector context, security clearances and regulator-aware onboarding are scoped into that window.
A long-running, named engineering unit accountable for delivery across your roadmap.
Time-zone-aligned delivery from Kigali, under European governance.
End-to-end product builds and modernization under European governance.
Explore a dedicated fintech engineering team.
A thirty-minute introduction to scope the roadmap, the regulatory perimeter and how the engagement would be governed.