Financial Solutions
In financial services, architecture is also a regulatory decision
of the regulated core
with a roadmap in 6 to 8 weeks
compliance designed in from day one
The problem
Where financial products stall
Building in financial services is different: the regulator joins the conversation before the user does, the system can't go down, and engineers who understand the domain are scarce.
Regulation stalls the launch
Whether you launch on your own license or through a partner bank, the architecture has to satisfy regulators and partner due diligence. Without someone who has walked that path, the project stalls before launch.
The legacy core can't keep up
The business grows, but the core system doesn't scale or integrate. Replacing everything is expensive and risky, and putting it off costs even more.
Compliance moves on a deadline
AML/KYC, PCI-DSS, and network rules keep changing, and every change comes with a date. Your in-house team is already committed to the roadmap the business is asking for.
Senior engineers you can't hire
Payments, KYC/AML, and core banking take specific experience. The req stays open for months, and the financial product never leaves the whiteboard.
Who we serve
For companies that deliver, structure, or offer financial services
Technical seniority, regulatory know-how, and a focus on results, for any kind of financial operation.
How we think
We never subcontract the regulated core
Many consultancies subcontract precisely the regulated part, and hand the client a risk they don't control. At Luby, core engineering stays with our own team. We work with everyone from fintechs launching on their own license or through a partner bank to banks modernizing critical systems, always with compliance in the design, not bolted on afterward.
Our solutions
Technology applied to the pillars of financial services
We work across the main fronts of financial services transformation, with experience in technology, product, and regulation.
Onboarding
- KYC, KYB, and AML with multiple data sources and automated validation
- Biometrics, liveness detection, and fraud prevention
- Integration with identity verification providers and regulated partners
- Sanctions, watchlist, and PEP screening with a full audit trail
- Generative AI applied to onboarding and compliance
Payments
- Cards, ACH, real-time rails, digital wallets, and hybrid solutions
- Split payments, automated reconciliation, and smart routing
- Integration with acquirers, payment facilitators, and processors
- PCI-DSS tokenization and end-to-end traceability
- Payment initiation through open banking APIs
- Cross-border payments and remittances
Lending
- Products like BNPL, personal and installment loans, and secured and pre-approved credit
- End-to-end orchestration: pre-qualification, decisioning, contracting, and collections
- Integration with credit bureaus, fraud prevention, collateral, and decision engines
- Predictive scoring with internal and open banking data
- Generative AI applied to credit, with auditable models
- Interoperability and data governance
Embedded & open finance
- Embedded finance: payments, white-label wallets, and risk analysis
- Supply chain finance with plug-in credit and payment products
- Open banking: data and payments
- A secure data strategy built for monetization
From discovery to a financial product in production
A predictable path from regulatory mapping to a product in production, with compliance tracked at every step.
01
Product discovery
We map banking integrations, regulatory rules, and your path to launch, on your own license or a partner's, while designing the security architecture. Six to eight weeks.
02
Architecture and compliance
Security and regulatory fit go into the design, not as a layer applied after the system already exists.
03
Squad build
Engineers who know payments, core banking, and compliance deliver to the scalability bar the industry demands.
04
Production and evolution
Live with APIs, observability, and living documentation, evolving on a month-to-month engagement as the operation scales.
Why Luby
The team that builds it answers for the regulated core
Fintech isn't ordinary software: a mistake costs regulatory standing, fines, and reputation. That's why the team that designs the system is the same team that answers for it.
We own the regulated core
Many consultancies subcontract precisely the regulated part. At Luby, core engineering stays with our team, and so does the accountability.
Compliance by design
KYC/AML, audit trails, and regulatory fit go into the architecture from the start, backed by ISO 27001 and 27701 certification.
Finfy accelerates when it fits
Finfy, our white-label banking platform, gives you a ready foundation to launch financial products under your own brand, cutting time-to-market.
Modernization without downtime
We map the critical rules in the legacy system and migrate in stages, because a bank can't switch off to replace its core.
The metrics we chase
The number the financial product answers to
The metric changes with the product, but there always is one. It's agreed at the start and measured to the end.
Time-to-market
Operational uptime
Regulatory compliance
Cost per transaction
Account-opening conversion
Fraud and default rates
How we engage
The engagement model follows the stage of your operation
Multiple ways to work together, adapted to the stage, size, and needs of each operation.
Solid technical foundations for regulated environments
Case studies
Fintechs and banks that scaled with Luby
Financial products Luby built and took into production, from launch to the modernization of critical systems.
Transforming payment solutions for digital economy
100K+ downloads · $5B projected volume · 500M R$ monthly processing
View caseReinventing digital banking in the U.S.
+40% new clients · 1-hour account opening · 7 active digital products
View caseBuilding a modern and secure payroll loan solution
20,000+ customers · 4.3★ app rating · 100% regulatory compliance
View caseCommon questions about financial solutions
Get in touch
Ready to build your financial product?
Tell us about your financial services challenge and get a plan within 24 hours. No commitment, no boilerplate proposal.