FinTech & Core Banking Systems

Banking, FinTech & Core Ledger Engineering

High-throughput double-entry core ledgers, real-time ISO 20022 payment rails, and sub-15ms AI fraud detection compliant with PCI-DSS v4.0 and SOC 2 Type II.

Consult FinTech Architects

< 15ms

Fraud Scoring Latency

Real-time Kafka streaming evaluation

50k+ TPS

Core Ledger Throughput

ACID-compliant double-entry transactions

PCI L1

PCI-DSS v4.0 Ready

Tokenization & automated audit logs

Zero Lag

Instant Settlement Rails

FedNow, SEPA Instant & UPI ISO 20022

INSTITUTIONAL GRADE

Engineering Resilient Financial Systems

Replacing brittle legacy mainframes and fragmented batch payment files with cloud-native, event-driven banking ledgers.

Event-Driven Core Banking & Ledgers

Immutable double-entry book-keeping engines with balance snapshots, automated interest accrual, and multi-currency exchange.

Industry Bottleneck: Legacy core mainframes cost millions annually and lock financial institutions into 24-hour batch settlement delays.

CogFocus Resolution: Cloud-native transactional ledgers with PostgreSQL sharding and Kafka streams processing 50,000+ TPS with zero reconciliation drift.

Real-Time AML & Algorithmic Fraud Shielding

Sub-15ms graph neural network fraud scoring, automated Suspicious Activity Report (SAR) generation, and sanction list screening.

Industry Bottleneck: Rule-based fraud engines trigger 90%+ false positives, delaying legitimate transactions and burning compliance hours.

CogFocus Resolution: Vectorized behavioral embeddings and Graph RAG detecting synthetic identity rings with sub-15ms evaluation.

ISO 20022 Messaging & Payment Rails

Modernized pacs.008, camt.053, and pain.001 XML transformers connecting to SWIFT, FedNow, SEPA Instant, and open banking PSD3.

Industry Bottleneck: Rigid MT103 format deprecation deadlines leave banks scrambling with high error rates and lost messages.

CogFocus Resolution: High-throughput microservices validating and transforming XML payloads in <5ms with complete audit telemetry.

InsurTech Policy Administration & AI Underwriting

Automated FNOL (First Notice of Loss) claim document extraction, actuarial risk engines, and self-service policyholder portals.

Industry Bottleneck: Manual underwriting review requires 5–10 days per policy and suffers high operational overhead.

CogFocus Resolution: Computer vision OCR and document LLMs parsing loss claims and issuing automated policy quotes in under 60 seconds.

INSTITUTIONAL COMPLIANCE

Bank-Grade Security & Audit Governance

Zero-trust cryptographic isolation, FIPS 140-2 Level 3 hardware security modules (HSM), and immutable transaction trails.

PCI-DSS v4.0 Level 1

SOC 2 Type II Certified

ISO 20022 & SWIFT Ready

FIPS 140-2 Encrypted Vaults

FINANCIAL ARCHITECTURE

Engineer Your Next Financial Platform

Partner with CogFocus fintech engineering leads to build resilient core ledgers, payment rails, or AI fraud engines.

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