Mobile application capture
Mobile application capture
Native iOS/Android capture: document OCR, biometric liveness, and resumable save, accessible from the first build.
Solutions · Financial Services
Onboard 78% of applicants, without breaking AML.
Biometric KYC, PEP and sanctions screening, and the FCA Consumer Duty evidence trail, produced as engineering output.
Solutions we provide
One onboarding journey, every applicant surface.
One KYC engine across every surface: the app applicants apply on, the portal they resume on, and the console your AML team works.
Web onboarding portal
Web onboarding portal
Resume an abandoned application, upload proof of address, and complete step-up checks, accessible for every applicant.
AML operator console
AML operator console
Match-disposition on PEP and sanctions hits, vulnerable-customer routing, and one-click FCA journey export.
Benefits of the platform
What changes once the journey ships.
Production onboarding outcomes, each figure sourced to a named client engagement.
The benefit that matters most
Lower abandonment and stronger AML, in one journey.
Resumable capture, biometric liveness, inline screening, and a vulnerable-customer pathway, built, pen-tested, and FCA-cleared in one 12-week programme.
12 wksDesign to FCA-cleared production
78%
Completion, KYC to funded
- UK challenger bank, post-rebuild
<22%
Abandonment, vs 60%+ baseline
- Same client, 12-month rolling
<30s
Median inline screening latency
- ComplyAdvantage, production p95
What firms measure 12 months on.
- <8 min
- Median decision, application to funded
- No-hit applicants clear straight through; hits route to EDD.
- 37%
- Completion uplift on the rebuild
- Re-cut to five screens; completion rose 41% → 78%.
- 0
- Consumer Duty findings at FCA review
- Vulnerable-customer evidence accepted first pass.
From leaking funnel to audited completion
The onboarding failures our engineering retires.
Six structural defects every onboarding rebuild inherits, and the shape we ship in their place.
BeforeLegacy
- 14 screens, no save
- 60%+ abandonment
- T+1 manual AML triage
- Vulnerable flagged late
- 90-day release ceremony
- Free-text decision notes
BritonOne Technology Onboarding JourneyOne platform. One audit trail. One source of truth.
100% Live- Solved
Five-screen resumable capture
Mid-session save and mobile-first capture replace the fourteen-screen funnel, so applicants finish instead of dropping out.
- Solved
Inline identity verification
Document OCR and biometric liveness via Onfido, Jumio, or Veriff verify the applicant in the flow, with a fallback for liveness failures.
- Solved
Real-time PEP and sanctions screening
Explainable inline screening dispositions PEP, sanctions, and adverse-media hits in under 30 seconds, not a queue.
- Solved
Vulnerable-customer pathway
In-journey detection routes at-risk applicants to specialist handlers, evidenced for Consumer Duty from the first screen.
- Solved
Continuous release pipeline
Weekly ships behind continuous control monitoring replace the quarterly risk ceremony: tuning without the audit fear.
- Solved
Signed per-decision evidence
Structured decision evidence and a step-level abandonment funnel stream continuously, so any journey replays on demand.
Regulatory by designFCA · PRA · EBA aligned
Audit-readyEvidence from day one
Secure & resilientBy design
Runs in your cloudAWS · Azure · GCP
How we build
Our step-by-step way of rebuilding onboarding.
A proven roadmap turning regulated onboarding into bounded, audit-cleared stages with evidence built in.
- 1Week 1–3
Audit the funnel & map the regulator surface
We measure the abandonment funnel, map the FCA Consumer Duty and AML surface, then lock a costed build plan.
- 2Before any code
Design the journey & threat model
A five-screen journey, vendor pick, vulnerable-customer pathway, and signed threat model, cleared before any code.
- 3Week 4–8
Build in vertical slices
Capture, biometric, screening, and analytics build in parallel pods behind feature flags, with CI gates from commit one.
- 4Week 9–12
Harden, clear & launch
Pen-test, accessibility audit, and FCA evidence pack. Then pilot a 1,000-customer cohort, clear supervisory review, and scale.
Why BritonOne Technology
Why firms rebuild onboarding with us.
Regulated onboarding is the work we do most. Every reason below is one a reference client will confirm on a call.
Regulator-fluent architects
The architect on your discovery call is the one in your FCA meeting. Consumer Duty and the JMLSG guidance are design inputs, not gates.
We run inside your cloud
Your AWS, Azure, or GCP account, your IAM, your KMS: no applicant data held, no shadow copies. The model FCA SYSC accepts.
Evidence produced in step
Per-decision evidence, the abandonment funnel, and the Consumer Duty pack ship each sprint, not a scramble before submission.
Bounded, costed scope
A paid two-week diagnostic and a fixed-price build plan: no open-ended retainers, no scope that quietly expands.
One senior team, end to end
Capture, identity, AML screening, the vulnerable pathway, and 24×7 SRE from one senior pod, no hand-off cliff.
Proven on FCA timelines
We rebuilt a challenger bank's onboarding from 41% to 78% completion, cleared at the first supervisory review.
Success stories
Programmes we have shipped
78%
Banking
Onboarding web app for a digital bank
Straight-through KYC onboarding raised completion to 78%.
ReactTypeScriptNode.jsAWS
Country · UK
22%
Wealth Management
Customer identity rebuild for a wealth platform
Passwordless identity cut account-takeover 22% and sign-in friction at a wealth platform.
Auth0WebAuthnFIDO2Node.js
Country · CH
Auth hardened
Government & Public
Authentication and access-control testing for an identity platform
Tested login, SSO, and token flows end to end and hardened the identity layer against real abuse cases before rollout.
Burp SuiteOAuth2OIDCJWT
Country · CH
60% narrower scope
Government & Public
Verifiable-credential feasibility study for a workforce platform
Scoped a focused credentialing pilot over a full rebuild, narrowing the programme 60% for a workforce management platform.
Feasibility studyChain selectionVerifiable CredentialsROI model
Country · UK
44%
Banking
Grounded knowledge copilot for a retail bank contact centre
Cut average handle time 44% across 2,600 agents, with answers grounded in approved policy only.
PythonAzure OpenAIAzure AI SearchKubernetes
Country · UK
89%
Fintech
Autonomous reconciliation for a payments processor
Resolved 89% of reconciliation breaks without a human, every action logged for audit.
PythonTemporalLangGraphPostgresAWS
Country · DE
31%
Fintech
Explainable credit scoring for a digital lender
Lifted approval rates 31% at constant loss, every decision reason-coded for the FCA.
PythonLightGBMSHAPAWS SageMaker
Country · UK
12x
Wealth Management
Adverse-media screening for a private bank
Screened 12x more names at a lower false-positive rate, each hit evidenced.
PythonTransformersElasticsearchAzure
Country · CH
9 months
Banking
Core-banking platform build for a challenger bank
Ledger, accounts, and payment rails delivered to an FCA launch milestone in 9 months.
GoPostgreSQLKafkaKubernetesAWS
Country · UK
120+
Fintech
API and integration layer for a payments group
Unified 120+ partner integrations behind one governed API gateway.
TypeScriptNode.jsKongOpenAPIAWS
Country · DE
0 outages
Retail
Cloud migration for an omnichannel retailer
Re-platformed e-commerce to the cloud, holding availability through a record peak-season trading day.
AWSTerraformEKSCloudFront
Country · UK
15x
Fintech
CI/CD overhaul for a fintech
Lifted release frequency 15x with automated gates and one-click rollback.
GitHub ActionsArgo RolloutsKubernetesTerraform
Country · UK
44%
Banking
AML transaction-monitoring analytics for a bank
Cut false-positive AML alerts 44% at a bank while catching more genuine risk.
SnowflakedbtPythonPower BI
Country · UK
10k+ assertions
Banking
API testing for a digital banking app
Delivered 10,000+ automated assertions across balance, transfer, and payment APIs, catching every schema and auth regression before release for a digital bank.
PostmanRESTNewmanJMeter
Country · UK
3x
Retail
Checkout stress and spike testing for a merchant platform
Isolated the true checkout bottleneck and produced a validated capacity model showing three times the throughput headroom the platform believed it had.
GatlingJMeterGrafanaNew Relic
Country · US
3-chain shortlist
Fintech
Stablecoin settlement strategy for a finance SaaS
Delivered a reference architecture and a three-chain shortlist for embedding stablecoin settlement into a SaaS finance platform's cash-flow workflows.
Feasibility studyStablecoinsSolution architectureChain selection
Country · US
ERC-3643 blueprint
Wealth Management
Real-estate tokenisation and tokenomics advisory
Delivered a fractional real-estate tokenisation model with an ERC-3643 compliance blueprint for regulated investor onboarding.
TokenomicsRWA tokenisationERC-3643Chain selection
Country · AE
$1B+ in loans matched
Banking
Lending and borrowing marketplace for a DeFi fintech
Matched borrower demand to non-custodial money markets through a single application, routing more than a billion dollars in loans across lines of credit and term loans.
SolidityAave v3ChainlinkEthereum
Country · US
0 critical findings
Fintech
On-chain escrow and payout rails for a founder finance platform
Programmable escrow and stablecoin payout contracts cleared external audit with zero critical or high findings for a founder finance platform.
SolidityOpenZeppelinAccount AbstractionBase
Country · UK
Who we are
About usBritonOne Technology is a full-cycle engineering company that builds and operates production software for regulated estates. Since 2017, we have shipped programmes that clear audit on the first pass across banking, insurance, wealth, healthcare, and biotech. Our teams pair deep domain knowledge with disciplined engineering, treating compliance, security, and resilience as first-class deliverables. From architecture through to live operations, we stay accountable for the systems we build, measuring success by uptime, audit outcomes, and defensible business results.
60+Senior engineers across UK and EU
Why choose us
Engineer experience, average9+ yrs
Specialist replacement window48h
Code and IP ownership, day one100%
Surprise invoicesZero
Reference calls, not slideware
What onboarding teams say after go-live.
Every quote below comes from a programme we shipped, and a reference our prospects are welcome to call.
Completion went from 41% to 78%.
“Onboarding completion went from 41% to 78% in three months. The single biggest shift: PEP and sanctions screening moved inline instead of queueing for back-office review. Customers stopped walking.”
Chief Technology OfficerUK challenger bank, Series-B
Common questions about customer onboarding
What heads of customer and CROs ask before approving a rebuild.
