Financial software development for banks, insurers and fintechs

As a banking software development company, Scrums.com helps established banks move core platforms forward while operations continue. Most banks run on cores that were built decades ago. Adding online and mobile banking, open APIs or real-time payments to them needs complex workarounds, and every change puts stability at risk.

We do not replace a core in one big-bang migration. We use strangler patterns, API facades and event-driven architecture to move functions one at a time, with the old and new systems running side by side until each step is proven. Every step carries an audit trail, a rollback plan and the documentation your risk and compliance teams ask for.

Scrums.com is a fintech software development company for engineering teams that build payments, wallets and open banking products. FinTech companies scale fast under pressure from regulators, customers and investors. Roadmaps shift quickly, deadlines are hard, and systems must stay secure and available.

We deliver cloud-native FinTech software from payment rails and onboarding flows to risk and analytics systems. Compliance is part of the architecture from day one, not a review at the end. Our teams have delivered digital credit, payments, onboarding and financial automation platforms for FinTechs in Africa, the UK and the US, with integrations to banking APIs, payroll systems and KYC/AML providers.

Lending software development at Scrums.com covers the full loan life cycle: origination, credit decisioning, servicing and collections. Lenders need applications that score a customer in seconds, documents that move without manual rekeying, and a servicing platform that keeps every balance, schedule and fee correct.

We build origination journeys that capture applications on web and mobile, check identity and affordability, and route each case to automatic or manual decisions. Decision engines carry the rules your credit team owns, with a full record of which rule decided what. Servicing platforms handle schedules, repayments, arrears and restructures, and feed your ledger and reporting.

Insurance software development at Scrums.com helps carriers, brokers and InsurTech teams automate claims, speed up underwriting and modernise policy administration. Policy data often lives in one system, claims in another and service in a third, so agents cannot see a full customer history and underwriters lack the claims data they need for pricing.

We build claims workflows that extract documents, flag suspected fraud and route each claim for approval, so simple claims pass straight through and adjusters focus on complex cases. Modern policy administration supports new products, such as usage-based, embedded and micro-insurance, without custom code for each one. Our delivery record includes customer apps, rewards and pet wellness products, IoT integrations such as activity trackers for engagement and risk scoring, and automation for onboarding, assessments and notifications. InsurTech companies get the same teams to launch products faster.

Wealth management software development at Scrums.com serves asset managers, advisers, platforms and brokers. Clients expect to see their portfolio in real time on any device, advisers need one view of each client, and operations teams need reporting that reconciles to the custodian every day.

We build portfolio and client platforms, adviser tools, onboarding and suitability flows, and the data pipelines that feed performance and regulatory reports. For capital markets teams we build trading, order management and post-trade systems, and we integrate them with market data, custodians and back-office platforms. Every calculation is traceable to its source, so a number on a client statement can be explained.

WealthTech companies use the same teams to launch digital investment products and scale them without a rebuild.

Legal software development and accounting software development at Scrums.com serve law firms, audit practices, accountants and consultancies. These firms sell expert time, so the software must capture that time, protect client data and prove each step of the work to a regulator or a court.

We build practice and matter management, time and billing, client portals and document automation that assembles engagement letters, contracts and reports from approved templates. For firms that hold client money we build trust and client account ledgers with the reconciliations their rules require. Compliance workflows record conflict checks, onboarding checks and approvals in one place.

LegalTech and RegTech companies that sell to these firms use the same teams to build products for them.

AI in financial services works when it runs inside the controls a regulated firm already has. Scrums.com deploys AI agents for fraud detection, KYC/AML verification, transaction monitoring and service automation through our AI Agent Gateway. The gateway connects to core systems while the data stays in your controlled environment and the models stay under your governance.

We also use agents inside delivery. They write and maintain regression tests, simulate fraud scenarios and compliance checks before release, and produce the documentation an auditor asks for. Your teams keep the decisions; the agents remove the repetitive work around them.

Each agent action is logged, so model risk and audit teams can see what an agent did, with which data and under which policy.

Scrums.com operates with SOC 2 Type II and ISO/IEC 27001 controls. The SOC 2 report is available under NDA. GDPR, UK GDPR and PAIA information is available from Trust and Legal. The platform supports access controls and audit logs across every engagement.

Inside each engagement, security is part of the delivery pipeline. Every change passes automated security scanning, code review and the checks your own policies require before it reaches production. Every release keeps an audit trail of who changed what and when. Encryption at rest and in transit, role-based access control and network segmentation are default design choices. AI agents run inside your environment, so sensitive financial data does not leave it.

The specific regulatory frameworks that apply to your products, such as card, banking, insurance or data protection rules in each market, are mapped in discovery and built into the architecture and the release process.