Fintech Consulting
Fintech is rapidly changing. While some companies still operate using traditional approaches, others are accepting digital-first approach. After almost two decades in the fintech industry, our fintech advisors can review your fintech idea, solution or upcoming acquisition or merger. Whether you’re a promising startup or a big company that needs to digitize their systems. Our job is always to spot challenges, assist with ever-changing regulation and always find the right solution for your business.
Some of Our Fintech Clients:
Fintech Consulting for Specific Client Needs
Finance and technology work differently depending on the industry. While some companies operate only in finance sector, other need financial applications for certain projects. Bringing consultants can help to clarify your idea whether you're a startup or a big company. Our main goal is to identify challenges and provide clients with possible solutions.
Architecture Assessment
Fintech applications with quality architecture are key to future growth. Softjourn's experts can guide you through making all necessary adjustments and thoroughly examine your tech stack to ensure your future growth.
Infrastructure & Cloud Migration
If you have on premise infrastructure in place and you need expert opinion on finding the right cloud provider, we have the experts ready to help your plan cloud migration and infrastructure optimization.
Build and Launch
Softjourn's consultants help our clients develop their competitive advantage. Plus, we offer full-cycle fintech software development services to help you innovate at scale and effectively from ideation phase till product launch.
DevOps as a Service
DevOps is all about prepping and guiding clients to become more agile. In fintech, DevOps can significantly enhance code quality and the amount of code released while ensuring that its compliant, risk-free and ready for deployment.
PCI Compliance
Our teams are highly knowledgeable about the process of achieving PCI compliance, and they will assist and advise on how to make improvements. We can help your company identify patterns and threats, provide tech assistance, and recommend potential solutions to ensure PCI compliance.
Mergers and Acquisitions(M&A)
Our team helps companies by providing software assurance to de-risk their mergers and acquisitions. We can work on integration definition process, IT due diligence, identify application compatibility, asses technical debt and current condition of the software. Using those insights, we can help plan post-merger integrations and support clients in making well-thought decisions.
Fintech Code Audit
Do you have a full understanding of the legacy code and access to its documentation? Trust in our expertise to determine whether the code you wish to acquire aligns with your architecture and current tech stack.
Here's how our fintech advisors can bring your idea to life
Get in TouchHighly-Requested Guidance We Provide to Fintech Companies
Requirements & Features
At Softjourn, we are committed to providing clients with a complete range of services that help build up business value. From project requirements to software features, our experts will support you in giving your ideas a shape.
Build vs. Buy vs. Hybrid
Having doubts of whether to build or buy? Or do both? Our fintech consultants and business analysts will provide you with comparison of the time, speed, overall expense and ease of use of multiple solutions so can compare whether a hybrid or ready-made solution is the best choice.
Fraud Prevention
Fighting fraud is important for anyone building fintech solution. We have in-house experts that will help you mitigate the risks and successfully prevent fraud in payment processing and validation. Also, we can advise you on how to use ML and AI to spot transaction anomalies and keep your users safe.
Emerging Technologies
Blockchain, AI, ML, OCR and Data analysis will allow your business to operate quickly, efficiently and with a higher impact. Our teams can help you understand how these technologies can support your business and help provide you with a comprehensive implementation roadmap.
Reduce Product Expenses
A multi-dimensional approach gives your team unique insights into your processes to suggest best practices. By using automation and understanding your internal process, we can show you how to reduce human labor costs so you can optimize infrastructure spending.
Customized Approach
Every project is different and our teams are ready to leverage our domain experience and explore different technologies, approaches, and projects to provide our clients with the highest level of consulting services.
Want to know how our fintech consultants can help your project?
Get in TouchTechnical Due Diligence Services
At Softjourn, we understand the importance of thoroughly evaluating the technology and intellectual property of a potential acquisition or investment. Our team of industry advisors and technical experts, solution architects, and business analysts are skilled in evaluating the strengths and weaknesses of a company's technology and intellectual property portfolio.
We thoroughly analyze a company's technology, infrastructure, architecture, and research and development efforts. We also assess the market potential of the technology and its growth and scalability potential.
As a part of our fintech consulting services - tech due diligence provide our clients with a clear understanding of a potential acquisition or investment's technology and intellectual property landscape. This allows them to make more informed decisions and helps them to identify potential risks and opportunities.
Contact us today to learn more about how we can help you with your tech due diligence needs.
Our Fintech Consulting Case Studies
Expense Management
A Leader in Innovation After a Decade of Partnership
Learn from our experience with PEX, where we provided fintech consulting to help them build a comprehensive spend management platform. Our collaboration resulted in advanced features like decision rule management tools and automated billing.
Payment Processing
UPC: Improving Payment Processing with Server Maintenance
To keep UPC's customers happy with the system and keep maintenance costs down, UPC collaborated with Softjourn to migrate and update the processes associated with eCommerce Connect. Softjourn's original area of financial expertise is payment processing, especially when it comes to technology that en
Fintech
Tacit Innovations: Enhancing a Mobile Payments App with Apple Pay
Tacit Innovations turned to Softjourn to create the first-ever code to enable in-app Apple Pay purchases from Interac debit cards, which significantly expanded the potential of the Maegan app for its users. After a few consulting sessions, Softjourn's experts provided the client with anoptimal solut
Low-code Platform
Powwow: Empowering Remote Work with Low Code
Powwow partnered with Softjourn as they needed help finding a solution for their current app. Our experts analyzed their problem and suggested using a hybrid approach. Despite being relatively new, Xamarin allowed for a single-sourced application that has an integrated UI layer for cross-platform fu
ComplianceSoftjourn Helps Clients Attain PCI Compliance
While Softjourn cannot assist with the PCI DSS audit itself, we can help make your system secure and compliant. We have done so for many clients in the past, including a prepaid card company that has issued 10 million cards over its lifetime. We can help you prepare for PCI compliance, including rev
Payments Platform
Card Tent Partners With Softjourn to Develop Its Global Payments Platform.
Our Solution's Architect was involved in the project and created a vision of the business logic on a technical level. We were proactive in recommending high-level solutions and a structured plan for Card Tent. Additionally, we helped to create and hold product demonstrations for potential clients an
Accounting Platform
Bullet: A Case Study in Definition Before Integration
To complete the software acquisition quickly, Bullet bypassed due diligence on the Polydone and Quoters software. The game plan presented by Softjourn included a variety of options, highlighting the costs and speed of delivery of each. After intense review and consultative discussions, Bullet identi
Proof of conceptCase Study: Credit Offer Generator
With our POC of the Credit Offer Generator, we've created an opportunity for all types of lenders to improve their processes with significant advantages for their businesses and customers.
Accounting PlatformBullet: Meeting CBI Requirements with AWS-Powered Data Processing
When Bullet decided to become a Central Bank Regulated entity it knew it needed a tier one infrastructure platform. Softjourn recommended migrating to Amazon Web Services (AWS), Softjourn fired up the project to build the architecture and manage the transition and provide all necessary support along
Finance
Tribal Credit: A Proactive Partnership Eliminated Blockers & Saved Time for a Fintech Company
Tribal Credit needed assistance in transitioning from their 1.0 to 2.0 system while maintaining version 1.0 in the meantime. Softjourn provided a solutions architect with deep fintech knowledge to provide industry-specific advisory services, as well as technical talent to help them throughout the pr
Finance
Magic Software: The Extra Step We Took to Ensure Exceptional UI/UX Design
Leveraging our deep expertise in fintech, Softjourn created a seamless UI/UX design to consolidate reporting processes, maximizing efficiency for users. Our insights and expertise in the fintech space enabled us to create a UI/UX design that was responsive, easy to use, and perfectly suited to the d
Security & ComplianceHow We Strengthened Security and Ensured PCI Compliance for PEX
In collaboration with PEX, Softjourn fortified their financial platform with enhanced security measures and achieved PCI compliance. This project highlights our fintech consulting expertise in building secure, compliant, and user-centric solutions.
Accounts Receivable
Zero Downtime, Maximum Performance: Versapay's Smooth Database Migration
Softjourn partnered with Versapay to tackle the challenges of large-scale data handling in their fintech solution. We implemented a seamless AWS Aurora migration, ensuring improved performance, scalability, and minimal disruption. Our fintech consulting expertise guided the project, providing Versap
Payment ProcessingFuture-Proofing UPC’s Open Banking Platform: A Strategic AWS Migration
Softjourn provided UPC with expert fintech consulting to navigate the complexities of transitioning their Open Banking platform to AWS. By ensuring compliance with PCI DSS standards and leveraging serverless architecture, we improved security and scalability. This collaboration highlights the value
Cloud Infrastructure Development
Strategic Fintech Consulting for Critical Infrastructure Modernization
When a financial institution needed to replace its legacy SaaS core system before support ended, Softjourn stepped in as a trusted fintech consulting partner. By aligning technical execution with long-term business goals, we helped the client build secure, scalable AWS infrastructure, implement mode
Banking Product EnhancementsFintech Consulting for Scalable and Secure Banking Systems
During a major platform overhaul, our client needed more than just engineering—they needed guidance from fintech experts who understood the regulatory, operational, and architectural challenges of modern banking. Softjourn advised on infrastructure best practices, DevOps processes, and multi-vendor
ComplianceFDIC and PCI-DSS Compliance Preparation for a Multi-Vendor Banking Platform
In parallel with a successful FDIC audit, Softjourn laid the groundwork for future PCI-DSS certification. By implementing secure architecture, recovery plans, structured QA, and audit-ready workflows, we helped the bank strengthen its payment security posture and long-term regulatory resilience.
Fintech ModernizationStrategic Migration Support for a Bank’s Core System Overhaul
Facing technical debt and vendor limitations, the bank turned to Softjourn for fintech consulting during a mission-critical system migration. We helped coordinate vendor relationships, manage risk, and design a flexible integration layer, ensuring a scalable architecture ready for future automation
Client Testimonials
Tacit Corporation chose Softjourn as their technology partner, impressed by our technical expertise and direct approach. Brenda Crainic, CTO of Tacit, highlighted, "Our collaboration with Softjourn has been critical in our success, and I am certain they can help us deliver our vision for Tacit.
Our team's dedication to understanding Tacit's needs has been instrumental in enhancing their platform's capabilities, ensuring robust fintech consulting solutions. This ongoing collaboration underscores our commitment to delivering high-quality, innovative services that support our clients' visions." - Brenda Crainic, CTO and Co-Founder of Tacit
Fintech FAQ
Softjourn's fintech consultants will analyze your current system and advise you on fintech services and how to apply different solutions based on your budget, business plan, and the tech capabilities of your team.
Once you identify your problem, find a fintech consulting company with specific domain experience in your domain.
Depending on the size of your company, you can use Blockchain in many different ways. We advise our fintech clients to use it for security, sales and trading, tokenization, domestic retail payments, credit scoring and predictions, insurance and many other uses.
If you want to build a fintech solution, the first thing we advise you to do is find a specific niche or particular problem of the industry you want to solve. Then, create a list of requirements and features you want to include.
Using machine learning and artificial intelligence, we can help you create a system ready to analyze thousands of transactions per second to flag any problematic behaviour. With a list of potentially problematic transactions, you can later employ your team to check them and keep your clients secure.
Using open APIs can prove to be most cost efficient and time saving as ti allows businesses to focus on providing high-level services for customers while reducing the need to invest in additional tools. Our consultants will analyze your system and provide you with the right information on how to optimize your system.
If you want to use biometric to additionally secure prepaid cards, we can help you set up biometrics in your payment system. Users will use their biometric information instead of pin to keep their financial information protected.
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Since 2010 Softjourn team has been maintaining the processing system which is a core of our business; they've done a great job so far! We value the knowledge transfer process as well as excellent development skills!
We were encouraged because Softjourn asked the right questions, involved people with the right experience in to the conversations. Showed good leadership in managing the process of walking them through the sales process, keeping them on track, and has a lot of strong knowledge in the financial area, as they are a small software developer company and there are always so many other things that are pulling us in multiple directions. As well Softjourn shows a lot of experience in multiple programming languages and in combining them in to one product.
The development team at Softjourn has been fantastic to work with. They are professional and have met our deadlines, while screenshots are pretty cool and I'm excited for our clients. They are going to really appreciate the enhanced functionality of our platform. We have some pretty cool services that are folded into this eWallet that go above and beyond what we currently use. We're very excited to work with Softjourn on this.
Jeff EhneyFounder & CEO at Card TentSoftjourn really helped us grow to the next phase, and provided the stability for the transition to 2.0. I really enjoyed working with Softjourn, and am excited to keep on working with them.
Justin MaplesVP of Engineering at Tribal CreditWe greatly appreciate the work and support Softjourn has provided to Versapay. Their expertise and understanding of our business needs have been invaluable. Softjourn consistently delivers what we ask for, and more. Their team is quick, asks the right questions, and maintains a positive approach throughout. Their deep domain knowledge and business-level insight enable them to spot potential issues early, ensuring the success of our projects.
Philip PettinatoCTO of Versapay