Do you have fintech-specific engineering experience?

Yes. We’ve built multi-tenant financial platforms with real-time transaction processing, bank-grade security, PCI-compliant payment handling, and AI-powered financial analysis. Our Build and Secure practices work together from day one on fintech engagements.

Can you help with PCI DSS compliance?

Yes. We scope PCI requirements, implement technical controls, and prepare for certification. For fintech companies that also need SOC 2, we run both compliance tracks in parallel to save time.

How do you handle AI governance for financial applications?

Every AI deployment in fintech includes model risk documentation, explainability frameworks, bias testing, and audit trails. We align with EU AI Act requirements and NIST AI RMF guidelines, and we document everything for your compliance team and regulators.

Do you work with seed-stage fintech startups or only later-stage?

Both. Seed-stage companies typically need MVP development with compliance built in from day one. Series A and B companies usually come to us for scaling infrastructure, achieving compliance certifications, and building growth engines. We adapt our engagement model to your stage.

DGTL for Fintech

Fintech teams ship under audit. We staff for that.

Building financial software means building under pressure, regulatory deadlines, compliance audits, security questionnaires, and enterprise buyers who won’t sign until every box is checked. We bring engineering, AI, security, and growth together as one team so you can ship fast without cutting corners that cost you deals. Headquartered in Quito, delivery teams distributed across the Americas. UTC-5 all year, an hour or less from your US East Coast team, bilingual from sprint one.

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Why Fintech is different

Fintech B2B companies face a unique set of compounding challenges that general-purpose agencies don’t understand:

Regulatory complexity is the default.

SOC 2 Type II isn’t optional, it’s table stakes for your first enterprise contract. PCI DSS matters the moment you touch payment data. GDPR applies if you have a single European customer. And regulators are starting to ask about your AI models, too.

Trust is your product.

Your users are trusting you with their financial data, their transactions, and their compliance posture. A security incident isn’t just a PR problem, it’s an existential one. Every architecture decision, every deployment, every data handling process needs to reflect that.

Enterprise sales cycles are long and compliance-gated.

Your prospect’s procurement team will send a 200-question security questionnaire before they’ll schedule a demo. If you can’t answer it, you lose the deal, regardless of how good your product is.

AI is reshaping expectations.

Portfolio analysis, fraud detection, risk scoring, automated reconciliation, fintech buyers expect AI-powered features. But deploying AI in financial services requires governance, explainability, and audit trails that most AI teams aren’t equipped to handle.

How DGTL helps fintech companies

Challenge	DGTL Practice	What We Do
Building a compliant platform from day one	Build + Secure	Multi-tenant architecture with SOC 2 controls, encryption, and access controls baked into the first sprint, not retrofitted before an audit.
Achieving SOC 2 + PCI certification fast	Secure + Advisory	Our SOC 2 Sprint gets you from zero compliance to audit-ready in 90 days. PCI DSS scoping and implementation run in parallel.
Deploying AI features responsibly	AI + Secure	AI agents for portfolio analysis, risk scoring, and customer support, with governance frameworks that satisfy regulators and enterprise buyers.
Scaling pipeline in a trust-driven market	Marketing + Sales	Growth engines designed for fintech buyers: compliance-forward messaging, thought leadership, and enterprise ABM.
Fundraising with credible metrics	Advisory + Data	Unified analytics, attribution models, and a growth narrative that investors trust.
Enterprise security questionnaires	Secure + Advisory	Pre-built response libraries, evidence packages, and narrative support so your sales team doesn’t stall on procurement.

Building a compliant platform from day one

Build + Secure

Multi-tenant architecture with SOC 2 controls, encryption, and access controls baked into the first sprint, not retrofitted before an audit.

Achieving SOC 2 + PCI certification fast

Secure + Advisory

Our SOC 2 Sprint gets you from zero compliance to audit-ready in 90 days. PCI DSS scoping and implementation run in parallel.

Deploying AI features responsibly

AI + Secure

AI agents for portfolio analysis, risk scoring, and customer support, with governance frameworks that satisfy regulators and enterprise buyers.

Scaling pipeline in a trust-driven market

Marketing + Sales

Growth engines designed for fintech buyers: compliance-forward messaging, thought leadership, and enterprise ABM.

Fundraising with credible metrics

Advisory + Data

Unified analytics, attribution models, and a growth narrative that investors trust.

Enterprise security questionnaires

Secure + Advisory

Pre-built response libraries, evidence packages, and narrative support so your sales team doesn’t stall on procurement.

DGTL Readiness Index

Typical fintech client baseline

Fintech clients usually arrive with a strong product and founder-led sales but soft on Data (siloed across tools) and Secure (SOC 2 / PCI gaps blocking enterprise deals). AI is most often early-stage rather than production-grade.

Composite profile from prior engagements in this vertical. The dotted ring is the target we work toward together.

See the framework

Fintech case study

Series A fintech client, US East Coast. We designed, built, and secured a financial planning B2B platform that went from concept to roughly 10,000 active users in under six months. Build, AI, and Secure worked as one team: engineering built the platform, AI deployed a financial analysis agent (78% query resolution), and Secure achieved SOC 2 readiness in 87 days.

Read the full case study

These case studies are representative examples. Client names, figures, and specific details may have been modified or anonymized until signed releases are available.

Compliance frameworks we implement for fintech

SOC 2 Type I & Type II
PCI DSS (scoping through certification)
GDPR and cross-border data transfers
AI governance (EU AI Act, NIST AI RMF)
State-level financial regulations (as applicable)

Frequently asked questions

Explore other industries:

Healthtech →Commerce →Professional Services →

Building fintech? Let’s make it compliant, intelligent, and scalable.

Tell us about your product, your compliance timeline, and your growth goals. We’ll assemble the right cross-practice team.

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