Finance & Banking

Secure Infrastructure
for Modern Finance.

We build FCA-grade Open Banking portals, KYC/AML automation, real-time trading dashboards, and payment platforms — compliant with PSD2, PCI DSS, and SOC 2 from day one.

60% Faster KYC Onboarding
99.99% Platform Uptime
50M+ Transactions Processed
<2h Support Response

Financial Services Move Fast. Legacy Doesn't.

Banks and fintechs face mounting regulatory pressure, API integration complexity, and customer expectations shaped by Big Tech. We know how to close the gap.

01

Regulatory Burden

FCA, PSD2, PCI DSS, SOX, MiFID II — financial regulations change constantly. Keeping your technology stack compliant requires dedicated architecture discipline.

We embed compliance into every architecture decision — from data flows to audit trails — so your systems pass regulatory review by design.
02

Legacy Core Banking

Core banking platforms built in the 1990s can't keep up with Open Banking demands, real-time payments, and modern API-first architectures that customers expect.

We build API gateway layers and middleware that modernise your stack without a full core replacement — reducing risk and protecting existing investments.
03

Fraud & Security Exposure

Financial crime, account takeover, and transaction fraud cost UK financial services over £1.2bn annually. Real-time detection at scale is non-negotiable.

We deploy AI-driven fraud detection, behavioural analytics, and real-time transaction monitoring that stops threats before they reach your customers.

What We Build for Financial Services

Every system is purpose-built for financial workflows — not adapted from a generic platform. Regulated, auditable, and designed to move money safely.

Open Banking Portals

PSD2-compliant Open Banking platforms with AIS/PIS capabilities, real-time account aggregation, consent management, and secure TPP connectivity via trusted APIs.

PSD2 AIS / PIS Consent Mgmt TPP Ready

KYC & AML Automation

Automated identity verification, document checking, PEP/sanctions screening, and ongoing CDD monitoring — reducing manual onboarding time by up to 80% while staying FCA-compliant.

eKYC AML Screening PEP / Sanctions FCA MLR

Trading & Investment Platforms

Low-latency trading dashboards, portfolio management systems, and robo-advisory platforms with real-time market data, risk calculations, and regulatory reporting.

Real-time Data MiFID II Risk Analytics FIX Protocol

Payment Processing Systems

Secure payment gateways, Faster Payments integration, multi-currency processing, and reconciliation engines — PCI DSS Level 1 compliant and built for high throughput.

PCI DSS L1 Faster Payments Multi-currency SCA / 3DS2

Regulatory Reporting & Analytics

Automated reporting dashboards for FCA submissions, transaction reporting, capital adequacy calculations, and suspicious activity monitoring with full audit trails.

FCA Reports MiFIR SAR Automation Basel III

Core Banking Middleware

API-first integration layers that connect legacy core banking systems with modern channels — mobile apps, partner APIs, and Open Banking — without a full platform migration.

API Gateway Legacy Bridge ISO 20022 Event-Driven

Engineering to Financial-Grade Standards

Financial systems demand zero-compromise engineering — from encryption in transit to real-time anomaly detection. That rigour is in every line we write.

Open Banking & PSD2 Ready

Every platform we build supports PSD2-compliant API connectivity — enabling account information services, payment initiation, and third-party provider integration out of the box.

PSD2
OAuth 2.0
ISO 20022
OBIE
SCA / 3DS2
OpenID

PCI DSS Level 1

Payment systems are designed and audited against PCI DSS Level 1 — the highest standard — covering cardholder data encryption, network segmentation, and access controls.

End-to-End Encryption

AES-256 encryption at rest, TLS 1.3 in transit, and hardware security modules for key management. Customer financial data is protected at every layer.

Real-Time Fraud Detection

AI-driven transaction monitoring with behavioural analytics, anomaly scoring, and automated rule engines that flag and block fraudulent activity in milliseconds.

Role-Based Access Control

Granular RBAC ensures traders, compliance officers, and customers only access what they're authorised to — with full audit trails for every action.

Immutable Audit Trails

Every transaction, access event, and configuration change is logged immutably. FCA-ready audit reports can be generated in minutes, not days.

99.99% Uptime SLA

Financial platforms can't go down. We engineer high-availability architecture with automatic failover, geographic redundancy, and 24/7 on-call engineering support.

The Regulations That Protect Your Customers

We don't just tick compliance boxes — we understand the regulatory intent and build systems that genuinely protect customer funds and financial data.

FCA Regulated
Financial Conduct Authority
PCI DSS Level 1
Payment Card Industry Standard
PSD2 / SCA
Open Banking & Strong Auth
ISO 27001
Information Security Mgmt
SOC 2 Type II
Service Organisation Controls
60%
Faster KYC onboarding
Average across automated identity verification
99.99%
Platform uptime SLA
Guaranteed for financial systems
50M+
Transactions processed
Across payment and trading platforms
<50ms
Transaction latency
Real-time processing at scale

How Much Will Your Project Cost?

Answer 4 quick questions and we'll show you a realistic investment range and timeline — no obligation, no sales pitch, just honest numbers.

Step 1 of 4
Your Indicative Estimate
Investment Range
Estimated Timeline

These are indicative ranges based on typical projects of this type and scale. Your Discovery Call will produce a fixed-price quote with no surprises.

Common Questions

Financial technology has unique constraints. Here are the questions we get asked most often by banks, fintechs, and financial services firms.

Do you have experience with FCA-regulated projects?

Yes — we work with FCA-authorised firms, e-money institutions, payment service providers, and fintech startups going through regulatory applications. We understand the technical requirements for FCA compliance including SYSC obligations, ICT risk management, and operational resilience standards.

Can you build PCI DSS Level 1 compliant payment systems?

Absolutely. We design payment processing systems to PCI DSS Level 1 — the highest standard covering cardholder data encryption, network segmentation, access controls, and penetration testing. We produce the documentation and architecture evidence required for your QSA assessment.

Do you support Open Banking and PSD2 integration?

Yes — we specialise in PSD2-compliant Open Banking implementations including Account Information Services (AIS), Payment Initiation Services (PIS), consent management, and Strong Customer Authentication (SCA). We work with the UK Open Banking Implementation Entity (OBIE) standards and European ASPSP frameworks.

How do you handle financial data security?

Financial data is encrypted at rest (AES-256) and in transit (TLS 1.3). We implement hardware security modules (HSMs) for key management, role-based access controls, immutable audit trails, and data residency controls. Every system ships with SOC 2 readiness documentation and penetration test evidence.

Can you integrate with our existing core banking platform?

Yes — we build API gateway layers and integration middleware that connect with legacy core banking systems (Temenos, FIS, Finastra, custom platforms), payment networks (Faster Payments, BACS, CHAPS, SWIFT), and third-party services (Plaid, Stripe, TrueLayer) without requiring a full core migration.

What's a typical timeline for a financial platform build?

A standard Open Banking portal or KYC automation system typically takes 10–16 weeks from kick-off to live deployment. Complex builds with trading engines, regulatory reporting, and multi-entity compliance typically run 16–28 weeks. We'll give you a firm timeline after your free Discovery Call.

Ready to Get Started?

Build Better Financial Technology.
Starting Today.

Join banks, building societies, and fintech companies using Jam Telecom's purpose-built financial technology to serve customers securely and compliantly.

FCA Compliant PCI DSS Level 1 24/7 Engineering Support ISO 27001 Ready