Fintech Engineering Built for Regulated Markets
Neobanks. Payment infrastructure. Fraud detection. Open banking. Built by engineers who understand what compliance actually requires.
Fintech is the category where cutting corners is most expensive. A payment bug in production costs more than the entire engineering budget. A missed GDPR requirement costs more than a year of development. We build fintech products with compliance, auditability, and security as engineering constraints from sprint one - not legal reviews before launch.
Malta entity. GDPR-native. PCI DSS-aware. EU regulated markets.
Why an EU-Incorporated Fintech Partner Matters
Most outsourcing companies operate outside the EU regulatory perimeter. Valletta Software is incorporated in Malta - inside the EU, under English-speaking common law, with full GDPR applicability. Engineers who have built under PSD2, Open Banking, and AML requirements - not just read about them.
At Valletta Software, we focus on two things:
PCI DSS-aware payment infrastructure, neobank architecture, and AML/KYC compliance - built under PSD2 and Open Banking requirements, not just read about them.
EU entity with enforceable GDPR compliance - sign DPAs, operate as a data processor, build under the regulatory constraints your fintech product actually faces.
What We Build in Fintech
Specific products built to financial industry standards - not generic web apps in a fintech wrapper.
We build fintech products with compliance, auditability, and security as engineering constraints from sprint one.
Neobank Platforms - core banking layer card issuance KYC/AML account management mobile appPayment Infrastructure - gateway integration PCI DSS architecture 3DS2 fraud rules reconciliationFraud Detection - ML transaction scoring behavioral analytics real-time decisioning explainabilityLending Platforms - loan origination credit scoring underwriting repayment collectionsOpen Banking - PSD2 compliance OAuth2 account aggregation TPP integration consent flowsRegTech - AML monitoring KYC automation SAR filing compliance dashboards audit trails
Fraud models with explainability - regulators require reasoning not just predictions
Credit scoring that documents its feature importance - fair lending compliance built in
AML transaction monitoring with ML-assisted alert triage - reduce false positive burden
Model drift monitoring in production - catch degradation before it becomes a compliance event
AI-First Fintech: Where Regulation Meets Machine Learning
AI in fintech is not optional anymore. It is the competitive moat for every product in the category.
Our fintech engineers integrate AI at the regulatory boundary - where it must be explainable, auditable, and defensible to regulators.
EU entity, GDPR-native, fintech-experienced. Our engineers have shipped payment gateways, fraud detection, and lending platforms under EU regulation.
Let's keep it simple.
Our fintech engineers have built payment gateways, fraud detection, and lending platforms under EU regulation - compliance-first from sprint one.
Fintech Has No Margin for Error. Neither Do We.
Our fintech engineers have shipped payment gateways, fraud detection and lending platforms under EU regulation. Compliance-first from sprint one.
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Case Studies
Browse TalentFree fintech architecture consultation - Malta EU entity - NDA day one - 24h response