Mobile banking apps
Mobile banking apps
Native iOS and Android apps: biometric sign-in, real-time balances, instant card controls, and WCAG 2.2 AA accessibility from the first build, not bolted on before launch.
Solutions · Financial Services
Digital banking that ships inside the audit window.
Mobile apps, KYC onboarding, core integration, and real-time payment rails, engineered under FCA, PRA, and EBA scrutiny from the first commit.
Solutions we provide
One banking platform, every customer surface.
We ship the whole estate from a single core and a single audit trail: the app your customers hold, the portal they sign in to, and the console your operators run. Hover any surface to see what ships with it.
Web banking portal
Web banking portal
A server-rendered React portal at full parity with mobile: statements, scheduled payments, dispute filing, and self-service, indexed and accessible for every customer.
Operator console
Operator console
The back-office for support, risk, finance, and audit: customer lookup with a full audit trail, live payment-rail health, and one-click regulator export for the FCA and EBA.
Benefits of the platform
What changes once the platform ships.
Production banking outcomes, each figure sourced to a named client engagement.
The benefit that matters most
A licensable banking stack, live inside the audit window.
Mobile, web, KYC, core integration, and one real-time rail, built, pen-tested, and regulator-cleared in a single 12-week programme.
12 wksMVP to first money movement
78%
Onboarding completion, KYC to funded
- Tier-2 UK retail bank
<200ms
P95 mobile balance latency
- Across the estate, at the edge
99.99%
Payment-rail availability vs PSR
- Faster Payments + SEPA, rolling
What banks measure 12 months on.
- 9 months
- Challenger-bank MVP to FCA approval
- Full retail stack, through FCA licence variation.
- 60%
- Mobile NPS uplift
- React Native re-platform: App Store 2.4 → 4.6.
- £18M
- Annual fraud-loss reduction
- Real-time ML cut card-not-present fraud 41%.
From legacy drag to audited velocity
The banking failures our engineering retires.
Most modernisation programmes inherit the same six structural defects. Here is each one, and the shape we ship in its place, cleared inside the audit window.
BeforeLegacy
- Batch-bound legacy core
- 60%+ onboarding drop-off
- Siloed payment rails
- 90-day release ceremony
- T+1 fraud detection
- Manual audit-evidence pulls
BritonOne Technology Banking PlatformOne platform. One audit trail. One source of truth.
100% Live- Solved
Event-driven core layer
We wrap the legacy core in an event stream, so real-time rails and modern UX stop negotiating with the overnight batch.
- Solved
Five-screen KYC journey
Resumable onboarding with biometric capture and live screening lifts completion to 78% before first transaction.
- Solved
Unified payment ledger
Faster Payments, SEPA Instant, and the card schemes settle into one idempotent double-entry ledger of truth.
- Solved
Continuous release pipeline
Weekly ships behind continuous control monitoring replace the quarterly risk ceremony, velocity without the audit fear.
- Solved
Real-time fraud scoring
Explainable ML scores every transaction inline, with feature-store lineage, not a report the morning after.
- Solved
Signed audit evidence
Immutable, regulator-ready evidence streams continuously to your CloudTrail, Sentinel, or Chronicle SIEM.
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 building your bank.
A proven roadmap that turns a regulated banking programme into bounded, audit-cleared stages, every step with an output you can hold us to, and the evidence trail produced in step with the software.
- 1Week 1–2
Map the regulator surface
We audit the existing estate and the FCA, PRA, and EBA articles in play, then lock a costed, bounded build plan, not an open-ended retainer.
- 2Before any code
Design & threat model
Architecture, data flows, and a signed threat model, cleared with your security and second-line leads before a single line of production code ships.
- 3Every sprint
Build in vertical slices
Core integration, KYC, payment rails, and the apps progress in parallel pods, working software behind feature flags, with tests and CI gates from commit one.
- 4Before ramp
Harden, clear & launch
Pen-test, operational-resilience rehearsals, and the regulator artefact pack, then pilot behind a flag with a control cohort, clear review, and scale.
Why BritonOne Technology
Why regulated banks build with us.
We are not a generalist app shop that read a compliance checklist. Banking is the work we do most, and every reason below is something a reference client will confirm on a call.
Regulator-fluent architects
The architect on your discovery call is the one in your FCA meeting. We speak SYSC, SS2/21, and DORA as fluently as Kafka and Kubernetes. Regulation is a design input, not a final gate.
We run inside your cloud
Your AWS, Azure, or GCP account, your IAM, your KMS. We hold no client data and keep no shadow copies, the only operating model that survives FCA SYSC and EBA ICT-risk scrutiny.
Evidence produced in step
Audit trails, threat models, and the regulator artefact pack ship with the software each sprint, not assembled in a final-stage scramble the week before submission.
Bounded, costed scope
A paid two-week diagnostic and a fixed-price build plan with a credited discovery sprint, no open-ended retainers, no scope that quietly expands past the estimate.
One senior team, end to end
Mobile, core integration, KYC, payment rails, and 24×7 SRE from a single senior pod, continuity from the first commit to the live run, with no hand-off cliff.
Proven on licence timelines
We have taken a challenger bank from MVP to FCA banking-licence approval in nine months, twice. We will sit in the regulator meetings with your authorisation lead if you want us there.
Success stories
Programmes we have shipped
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
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
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
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
120+
Fintech
API and integration layer for a payments group
Unified 120+ partner integrations behind one governed API gateway.
TypeScriptNode.jsKongOpenAPIAWS
Country · DE
78%
Banking
Onboarding web app for a digital bank
Straight-through KYC onboarding raised completion to 78%.
ReactTypeScriptNode.jsAWS
Country · UK
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
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
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
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
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 banking teams say after go-live.
Every quote below comes from a programme we shipped, and a reference our prospects are welcome to call.
Nine months to an FCA-approved bank.
“BritonOne Technology built the full retail banking stack from scratch and shepherded it through FCA banking-licence variation. The architect on the discovery call was the architect in our FCA meetings. That continuity is the whole product.”
Head of EngineeringUK challenger bank, Series-B
Common questions about digital banking
What buyers ask before commissioning a banking platform.
