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Banking and Fintech

We build banking and fintech products that scale across markets, languages, and regulators.

A cross-disciplinary partner for banks, fintechs, and financial software companies. Strategy, design, engineering, and AI delivered as one team, from the first sketch to the live release.

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Aleksander Stós
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Tamam
Telivy
C&R Software
Tamam
Telivy
C&R Software
Why financial products are different

Trust is the product. Everything else supports it.

In financial services, every interaction matters. Customers trust you with their money, identity, and life decisions. That trust is strengthened or weakened through every screen, release, and market expansion. No detail is too small to matter.

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Brand, product, content, code, and operations signal credibility together. The product is only as strong as its weakest layer.

Our position

A global product partner
for banking and fintech

We’ve modernized financial products across Saudi Arabia, the US, the UK, and Europe — in Arabic and English. SAMA, SOC 2 Type 2, GDPR, PDPL, and Open Banking are built into how we design, not treated as compliance afterthoughts.

01

Trust is a system, not a feature.

It compounds across strategy, brand, design, code, and operations. A weakness in any one layer is felt in all the others.

02

Strategy comes first.

We immerse in your business, your regulatory environment, and your customers before we touch a wireframe. The brand and product flow from that, not the other way around.

03

One team, one accountability.

Strategy, design, and engineering work side by side from day one. No handoffs. No "that's not in our scope."

Our services

Six disciplines, one team.

Wine Unplugged how we transform 2/6

Builds visual identities for financial products, covering logo, color, typography, and brand language built to work across markets and channels.

What we do for banking and fintech

Services built for
financial products

We organize our work around where you are in your product's lifecycle. Most clients start in one of the four below and grow into the others.

01.

Build with us, from idea to launch

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For founders building a new fintech, neobank, lending product, payments rail, or wallet, and for banks launching a new digital product line. We cover product strategy, regulatory mapping across SAMA, GDPR, PDPL, and Open Banking, brand, UX, and full-stack development, with KYC and payment integrations and SOC 2 Type 2 ready architecture built in from day one.

02.

Scale with us, from launch to growth

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For fintechs past MVP that need to convert better, retain more, and ship faster without breaking what is already working. We run conversion-focused redesigns, onboarding optimisation, and multilingual expansion across Arabic and English. We handle performance engineering, audit-ready feature work, and embed dedicated product squads for teams that need ongoing capacity.

03.

Modernize with us, from legacy to leadership

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For banks, established fintechs, and B2B financial software companies whose product no longer reflects what they have become. We restructure brand architecture, rebuild UX and UI for complex platforms, and turn technical depth into clear business value through content strategy and SEO. Phased rollout and change management ensure the transition is clean for your users and your internal teams.

04.

Add intelligence: AI and automation overlays

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For financial products and operations teams that want to embed AI thoughtfully, with the rigour financial services demand. We build GenAI features, document intelligence for statements, contracts, and KYC, and internal copilots for support, compliance, and operations. We also deliver forecasting, segmentation, and decisioning models, and benchmark conversational AI for teams improving their automated customer interactions.

Compliance, security, and integrations

Built to pass audits, not just demos.

Integration density we are comfortable with:

The right stack depends on your geography, license type, and partner economics. We map it with you in discovery.

What this unlocks:

KYC and identity verification providers

Payment processors and acquiring banks

Banking-as-a-service and embedded finance APIs

Core banking systems

Book Your Brand Diagnostic
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Our AI and Data practice

Specialist depth, when
intelligence is the product.

For banking and fintech engagements where AI is central, delivery is handled by Digital Bunch’s AI and Data practice, a specialist team focused on advanced machine learning, data engineering, and applied research beyond the scope of most in-house product teams.

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Generative AI features

Built inside customer-facing financial products, designed with explainability and auditability as first principles, not afterthoughts.

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Document intelligence

Automated processing of statements, contracts, KYC documents, and compliance files. Structured output your systems can act on.

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Forecasting and decisioning models

Segmentation, credit scoring, churn prediction, and underwriting support built for the data environments financial products actually run on.

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Internal copilots

AI assistants for customer support, compliance review, and operations teams. Designed to reduce handling time without removing human judgment from high-stakes decisions.

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Conversational AI evaluation

Benchmarking and assessment of voicebot and chatbot performance for financial service contexts where accuracy and compliance matter more than speed.

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Data infrastructure

The pipelines, warehouses, and integration layers that make AI features possible in the first place. Built for reliability, observability, and audit readiness.

How we work with you

Engagement models, not packages.

Banking and fintech engagements vary too much for fixed packages. The four shapes below cover most of the work we do. Pricing is scoped after a discovery conversation.

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Modernization Engagement
Recommended

For existing platforms that need a brand, UX, content, and technical refresh.

Phased delivery with change management built in, so users in the middle of a transaction never feel the rebuild happening underneath them.

What you get:

Brand Strategy - Brand Design - UX/UI Design - Copywriting
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Ongoing Product Partnership

Embedded squads working alongside your internal team.

Useful when you are hiring but not yet at full capacity, when you need design and engineering depth on demand, or when you want a long-term partner who truly knows your product.

What you get:

modernization iconA team that knows how to work with your internal team

Why clients keep working with us

What makes the difference
on financial product engagements.

Cross-disciplinary by design

Strategy, brand, product design, engineering, and AI working as one team from the first day. No silos. No handoffs that lose context. No "that's outside our scope."

Cross-market cultural and regulatory fluency

Riyadh-based partners and Arabic-first design capability for KSA and the wider GCC. US delivery experience for fintechs and established financial software companies operating across multiple states. We move between these worlds without losing the thread.

Built for accountability at every stage

ISO-style internal quality management. Documented processes for code review, accessibility, and compliance. Long-term client relationships, not one-off projects.

Strategy before visuals, every time

We immerse in your business and your regulatory environment before we touch a Figma file. The product is shaped by what we learn, not the other way around.

Specialist depth without the consulting overhead

The breadth of a global agency with the senior involvement of a boutique. You will work with the people who scope the work, not a different team after the kickoff.

Don’t take our word for it, hear what our clients have to say

This is how we make brands perform and partnerships thrive.

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Karoline Lapko

Serial Entrepreneur

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Ed Wallen

CEO

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Musaid AlKhamees

Chief of Growth

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FAQ

Frequently Asked Questions

Yes. We deliver banking and fintech work globally, with active clients in the United States, the United Kingdom, Europe, and the GCC. Our offices are in Riyadh, Warsaw, Sydney, and London. KSA is one of our deepest markets, but it is not our only one.

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The decisions that break fintech products happen in week one.

The same problems tend to appear at the same points in every financial product build. A short conversation early on is usually enough to identify them before they become expensive.

Book a call before you commit to a direction.

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Aleksander Stós

CTO & Co-Founder

alex@thedigitalbunch.com