Financial Services Launch financial products without regulatory surprises.
Transaction volume enabled across our financial services engagements
Sector challenges
What holds teams back
Banks and fintechs face mounting pressure to modernize while staying compliant and secure.
Legacy systems blocking innovation
Decades-old infrastructure that can't keep up with modern customer expectations and regulatory requirements.
Compliance complexity growing
Every regulatory change means changing the system again: AML/KYC, PCI-DSS, SOX, and rules that keep evolving.
Slow time-to-market
Lengthy development cycles preventing you from launching new financial products ahead of competitors.
Security threats escalating
Sophisticated fraud, data breaches, and cyber attacks requiring enterprise-grade protection.
Solutions
How Luby helps
Purpose-built delivery for your roadmap and compliance needs.
Payment Infrastructure
Reconcile every transaction across cards, wallets, ACH, and real-time rails, on a single resilient, compliant core with cross-border money movement.
Payment infrastructure for financial services
Core Banking & BaaS
Launch financial products under your brand, fast, on modular core banking and Banking-as-a-Service platforms.
Core banking & BaaS for financial services
Credit Infrastructure
Balance approval rates and defaults across lending products, with origination, underwriting, and portfolio engines.
Credit infrastructure for financial services
Embedded Finance
Offer payments, accounts, and cards inside your own product and platform, with APIs and SDKs to embed financial services.
Embedded finance for financial services
Open Finance
Build on top of the open finance ecosystem with secure data sharing, consent management, and account aggregation.
Open finance for financial services
Digital Onboarding
Account opening with identity verification, biometrics, and AML/KYC compliance built into the flow.
Digital onboarding for financial servicesWhy Luby
The people who sign off look at the same project from different seats
Your CTO asks whether the foundation will hold. Your CFO asks what it costs and when to stop. Your CEO asks whether the strategy can move without waiting on a hire. Here's what Luby delivers to each of them in this sector.
Less technical risk on the decisions your team can't afford to get wrong.
Senior capacity without giving up your roadmap
Pre-vetted engineers and product specialists join your team within days. You own the roadmap; we sustain the squad and the delivery pace, with 220+ professionals across 40+ technologies.
No core or stack replacement required
The system running today carries your revenue and can't stop. We modernize it and integrate with what already runs, planning the migration around your operation and mapping business rules before a single line of code.
Security that arrives certified
Security is designed in from the start, governance and observability ship with the work, and we have had zero critical incidents across our operation. We are ISO 27001 and 27701 certified.
Predictable cost, with the exit defined before you invest.
Scope and price locked when you need them
You know what you'll invest before the larger commitment. A discovery of up to 4 weeks settles requirements, cost, and schedule. Under a fixed-scope engagement, the price holds as long as the scope does, with delivery against milestones on a timeline of up to 6 months.
A fraction of the cost of a US in-house hire
Hiring domestically carries benefits and overhead on top of salary and takes 30 to 90 days to close. We staff within 7 days, bill for hours worked, and scale capacity up or down as the roadmap changes.
The metric comes before the build
95% of AI pilots never leave the experiment stage. That's why, on AI work, we define the P&L metric and the kill criteria before anything is built, so continuing depends on results.
A partner accountable for the outcome, not one more vendor.
24 years and 540+ clients
1,350+ projects delivered for automakers, Big Four consultancies, industrial automation multinationals, and global data providers. Rated 4.8 out of 5.0 on Clutch in verified client reviews.
From discovery to operation, with an owner
When a vendor ships and walks away, the production problem stays with you. We come in as a strategic partner embedded in your team and answer for the outcome, not just for hours delivered.
Time-to-market without waiting on a hire
Your strategy shouldn't sit idle waiting for a requisition to close. Our teams work in US-overlapping time zones, so reviews, standups, and escalations happen inside your business day.
Services
How Luby works in financial services
The engagements that show up most in this sector.
Custom software
Enterprise platforms built to scale, from discovery to delivery.
Custom software for financial servicesLegacy modernization
Modernize critical systems in the cloud without taking them offline.
Legacy modernization for financial servicesAI agent development
Agents in production, each tied to a business metric it has to move.
AI agent development for financial servicesStaff augmentation
Senior engineers inside your team in 7 days.
Staff augmentation for financial servicesCases
Related case studies
Real outcomes from teams like yours.
Technologies
Technologies & partners
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KubernetesVerified by our clients, not by us
37 verified reviews on Clutch with a 4.8 average rating. Clutch verifies every reviewer and publishes the full text, including the critical parts.
Common questions
Start with the diagnosis, not the contract
A discovery of up to 4 weeks gives you scope, integrations, risks, cost, and timeline. If it does not make sense to move forward, the plan is yours to keep.