Fintech & Financial Services

Fintech Engineering in LATAM

Dedicated teams in Chile and LATAM for credit scoring, payments, BNPL, digital banking, and investment platforms. PCI-DSS compliance, US timezone overlap, regulatory expertise.

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Why fintech chooses 23people

Financial institutions and fintechs can't afford slow teams, poor communication, or non-compliance. We operate with 1.6+ year average tenure, 85 eNPS, and 90 client NPS — and our team speaks the language of regulators, auditors, and technical stakeholders.

Challenges we solve

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Real-time credit scoring

Sub-second-latency scoring APIs, bureau integrations (Equifax, TransUnion), data pipelines, and auditable risk models.

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PCI-DSS and regulatory compliance

Implementations compliant with PCI-DSS, Chile's Ley 21.719, and regional equivalents. Traceable audit evidence and segregation of duties from design.

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Payments and transactions

Acquirer integration, payment gateways, card networks (Visa, Mastercard), PIX, SPEI, Webpay. Automated reconciliation and reliable settlement.

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Digital banking and onboarding

Mobile apps, digital KYC, biometric auth, frictionless onboarding. User experience that meets regulation without sacrificing conversion.

Services for Fintech

Three service lines adapted to the state of your financial platform.

Financial integrations

We connect bureaus, core banking systems, payment gateways, and anti-fraud systems. Robust APIs with circuit breakers, retries, and observability.

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Platform modernization

We migrate legacy monoliths to cloud-native architectures incrementally — without pausing operations or missing a regulatory audit.

Learn about Legacy Modernization

Cloud optimization

We cut cloud costs 7% to 15% without impacting performance — critical for fintechs running low-latency infrastructure.

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Fintech results

Equifax Chile

Modernizing the Platinum 360 Reporting Platform

We modernized a legacy credit reporting platform through agile sprint delivery, maintaining 100% uptime in production.

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Equifax USA

Scaling the Santiago Technology Hub

From 2 to 6+ agile teams and 50+ professionals in under a year, managing credit scoring API integrations.

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Does your fintech need to scale technical teams?

Let's talk for 30 minutes about your roadmap. No pitch — we listen and tell you if we can help.

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