Financial technology (Fintech) refers to a new subset of technologies intended to improve the use of financial services. Fintech is useful to any business as it can help to automate financial operations and processes, while keeping such transactions secure.


Fintech also includes the development and use of cryptocurrencies and exchanges. This subset of fintech is of special interest to Architechtura as our co-CEO is currently developing the first ever SEC-regulated security exchange.

Fintech at Architechtura is dedicated to integrating your services with technologies to expand customer reach and delivery capabilities. We work together with all regulations and compliance guidelines you have to abide by and better them by adding extra layers of security.

When you work with our fintech team you can rest assure that your will be fully compliant and that we will understand all of your individualized needs. In fact, our fintech team is equipped with a financial industry specialists so that you can speak your lingo, and the experts can translate it to tech terms that our engineers value on your behalf.


A client’s financial information along with a business’s financial information should be completely private. Failure to maintain privacy can have detrimental effects that can ruin both a company’s present and future operations. At Architechtura we know how important it is to keep data private which is why we offer sophisticated tools to ensure privacy while still abiding by KYC

Regulatory Compliance

Governments across the globe impose strict rules and regulations for the financial sector. These rules are imposed to protect the financial assets of individuals and businesses. In addition, regulations help to protect financial institutions from liability as a fully compliant entity is not responsible for any data or asset compromises.


The rules and regulations in the fintech world can be difficult to digest. Failure to adequately understand all requirements can result in development of noncompliant systems, which can greatly jeopardize your business. At Architechtura we have a team of financial and legal experts who are well versed in the regulations you need to abide by. We break things down, so you gain clarity and do not have to spend hours on the web trying to learn a new set of requirements.

Customer Authentication

Last year the EU released a new regulation known as the Strong Customer Authentication (SCA) regulation. It aims to prevent fraud and protect customers by requiring all transactions to utilize two-factor authentication processes (unless exempted). This regulation allows merchants to provide customers with greater security and is projected to prevent fraud by over 80%. Customer authentication is becoming increasingly popular as the digital age expands, which is why you must be prepared and equip to provide extra security measures when dealing with financial transactions.


Technologies are exponentially expanding, and with that we have seen an increase in accessibility. For example, nowadays most people can access the Internet via a mobile device, and cloud technologies allow us to access otherwise inaccessible content from anywhere at any moment. As a result, financial products must be designed in a way to be more convenient and portable.


In 2019 Capital One had data pertaining to over 100 million Americans breached. Most of the compromised data was related to social security numbers, names, bank account numbers, and credit scores. Overall, this breach cost them their reputation along with about 150 million dollars. Make sure your systems are always secure and exceeding minimums set forth by regulatory agencies.

Legal Crypto

Crypto currencies are changing financial industries across the globe by providing us with alternate ways to transact. One advantage of crypto currencies is their ability to convert to a variety of fiats without an intermediary. Another benefit is their incredibly fast transaction times, that can occur internationally. There are a variety of different types of crypto coins such as ICOs, STOs, ETOs, stable coins, utility tokens, and more. Architechtura can help you decide which type if best for your needs.


Clear communication opens the door to new revenue streams. Consumers look for financial institutions that offer services that improve their experience as oppose to hinder it. At Architechtura we focus on the digital experience making it not only simple to use and enjoyable but also simple to manage.

Sample Solutions

Peer-to-Peer Lending

Peer-to-peer lending allows for financing options to be accessible by multiple individuals. It is a win-win for both lenders and borrowers as the process of getting a loan is simplified than those seen in traditional financial institutions. Peer-to-peer lending platforms take on the requirements of pre-approving borrowers, and overall expedites the lending process. It can also be used to enforce the terms of the loan repayment.  

Alternative Credit Scoring

Traditional methods of credit scoring often hinder small businesses and self-employed individuals from getting loans. The fintech industry recognizes these challenges and has a solution, which is alternative credit scoring. Alternative credit scoring works using qualitative analysis of alternative data points such as payment history and social signals. This credit scoring mechanism drives the cost of underwriting loans down, which helps alternative credit scoring pass such benefit along to borrowers. Overall, the power of deep learning algorithms in alternative credit scoring helps led to better lending decisions, which empowers the industry overall.

Digital Banking

Technology is being utilized more and more every day, and pre-existing financial institutions such as large banks are having to make the shift towards offering digital banking. Digital banks work the same as traditional banks but lack a physical headquarter or branch location. This saves on the cost of real-estate, and those savings are then passed along to clients.

Asset Management

Asset management that utilizes fintech allows investors to create a portfolio through the purchasing of stocks and mutual funds without commission fees. Fintech is able to make things commission free by leveraging the collection of investor data in exchange as a trade to waiving the fee. The collected data is then shared with traders, who can directly influence asset prices.

Payment Gateways

Secure payment gateways are required for any site that accepts payments. Thus, it is important that these gateways accept multiple payment methods such as a variety of debit and credit cards. Another feature that can be added to payment gateways is the capability for them to accept cryptocurrencies. Most often traditional banks charge large fees to merchants to process any transaction but integrating an alternate payment gateway can reduce these fees. In addition, payment gateways can be customized into user-friendly editions, that are more appealing to customers.

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