Intellias→Financial Services & Insurance

Your specialist partner to unlock Data & AI outcomes

Financial Services & Insurance

Financial services are entering their most disruptive decade. Generative and Agentic AI are reshaping how institutions price risk, serve clients, and operate at scale — and the leaders are pulling away fast. But for most firms, legacy systems and fragmented data block the path forward. The opportunity is clear; the ability to execute can be a gap. Closing it requires AI and engineering depth, domain expertise, and a partner invested in outcomes who can build as well as integrate. That’s where we come in.

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The new outcomes we deliver for FSI customers

Take AI and Agentic AI to Production

Identify highest-value agentic AI opportunities in your business and take them to production — with human-in-the-loop controls built in and measurable process improvements

Scale AI value across the Enterprise

Create a shared AI capability to build solutions on— eliminating duplicated effort, accelerating deployment, and executing within the constraints of a regulated environment

Accelerate Product creation

Faster time to market on the features that matter to get differentiated digital products in front of customers before the competitive window closes

Maximize proprietary data value

Create the data infrastructure and governance needed to power AI that outperforms generic models — turning proprietary data into a genuine competitive asset

Modernize core systems

Rebuild core systems or modernise a legacy architecture that supports the data flows, integrations, and real-time access requirements that production AI demands

Reduce regulatory & compliance costs

Lower compliance cost and faster response to regulatory change through AI and knowledge graph technology to address data lineage, reporting, and frameworks like BCBS 239

Verticals we serve

We bring deep technical and domain expertise to the industries being reshaped by AI, data, and automation — where speed, precision, and regulatory rigor define competitive advantage.

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Capital markets

High-frequency trading, risk analytics, and portfolio management demand speed and precision. We build trading systems, market data platforms, and compliance tools that operate at institutional scale.

Commodities trading

From energy transition disruption to intraday volatility, we build trading platforms and risk systems that ingest alternative data — satellite, AIS, weather, supply chain — and turn it into execution-ready intelligence.

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Insurance

From underwriting automation to AI-empowered claims processing, we modernize policy administration and distribution — reducing cost-per-policy while improving speed to market.

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Banking & Payments

Real-time payments, embedded finance, and open banking demand modern infrastructure. We build core banking platforms and payment rails that scale with transaction volume — not headcount.

Employment benefits

Benefits administration is complex. We automate enrollment, compliance tracking and optimise payments to provide frictionless experiences for employers and employees alike.

Trusted by leading brands worldwide

Financial services & insurance outcomes: Our clients' stories

Mobile-First Wealth Management and AI-Powered Trading Platform

Challenge: Switzerland’s leading online bank (500,000+ clients, CHF 50B+ assets) needed to expand digital trading capabilities across retail, Forex, crypto, and wealth advisory without compromising Swiss regulatory standards.

Solution: We delivered a complete digital wealth management ecosystem:

KYC onboarding with AML-compliant identity verification
High-load trading infrastructure connecting 20+ global exchanges with real-time market data
Robo-advisory AI automating portfolio decisions based on market trends
Full product suite integration spanning savings, mortgages, and CRM
Native iOS/Android apps creating seamless multi-channel experience

Impact: Bank consolidated 5 separate platforms into unified digital ecosystem, reducing operational costs by 35%. Customer acquisition increased 60% in first year post-launch. Platform now processes CHF 2B+ in daily trading volume. Robo-advisory attracted 50,000+ new retail investors. Positioned bank among top 3 European digital wealth managers by assets under management.

Building the World’s First Fully Digital Islamic Bank

Challenge: Launching a fully digital Sharia-compliant bank from scratch with nine product domains to build simultaneously, zero technical foundation, and full FCA regulatory exposure from day one in a market with no existing engineering playbook.

Solution: We built the complete technology stack across nine delivery areas:

Sharia-compliant mortgage origination with Murabaha financing structures
Global payments and card infrastructure with real-time rails and multi-scheme processing
AI-managed investment platform with intelligent risk profiling
Multi-currency core banking supporting six currencies (GBP, EUR, USD, KWD, AED, SAR)
AI document verification achieving 95% accuracy in 3 seconds
Cloud infrastructure with full QA and regulatory audit readiness

Impact: First fully digital Islamic bank launched globally, capturing 15% market share in Kuwait within 12 months. Customer onboarding time reduced from 5 days to 15 minutes. AI verification eliminated 90% of manual document review workload. Platform scaled to 100,000+ customers with zero downtime. FCA audit passed with zero critical findings.

Digital Banking Transformation for Saudi Arabia’s Next-Generation Bank

Challenge: A major Saudi bank needed to transform from legacy infrastructure to a globally benchmarked digital experience, competing with international challenger banks while serving one of the world’s fastest-digitalizing markets under Vision 2030.

Solution: We delivered a product-led digital transformation:

Competitive benchmarking against global leaders to define performance baseline
Complete information architecture redesign eliminating friction across user journeys
Unified design language system establishing scalable visual identity
Mobile-first iOS/Android platform built to international challenger bank standards
Strategic product positioning differentiating the bank from legacy e-wallets

Impact: Digital customer acquisition increased 250% year-over-year. Mobile app rated 4.8/5 stars, highest among Saudi banks. Customer service calls reduced 45% through improved self-service UX. Bank named “Best Digital Bank in Saudi Arabia” by industry publication. Platform positioned for expansion to 5 new markets across GCC.

Cloud-Native Digital Trade Finance Platform Built on BaaS

Challenge: The bank bridging UK-Gulf trade needed cloud-native infrastructure for complex multi-jurisdictional trade finance, where no off-the-shelf solution existed and regulatory requirements spanned UAE Central Bank and UK FCA simultaneously.

Solution: We architected and delivered a cloud-native platform from scratch:

Core banking built on Banking-as-a-Service infrastructure
API-first architecture enabling rapid integration with banking partners and trade counterparties
Trade finance document workflow automation for letters of credit and guarantees
Multi-jurisdictional compliance modules meeting UAE and UK requirements
Azure/Kubernetes deployment with elastic scaling, plus ongoing managed services

Impact: Trade finance processing time reduced from 7 days to 24 hours. Platform enabled 300% increase in transaction volume without infrastructure costs scaling linearly. Bank onboarded 15 new trade partners in first 6 months via API integrations. Dual regulatory compliance achieved with zero audit findings. Managed services model reduced IT overhead by 40%.

Digital Financial Benefits Platform with Custom Core Banking Engine

Challenge: A US healthcare fintech needed a B2B SaaS platform enabling employers to configure and disburse benefits to employees—a payments problem at the intersection of healthcare compliance and financial infrastructure where no existing solution fit.

Solution: We took full product ownership from concept to production:

End-to-end benefits disbursement engine handling funds flow across HSA, transport, and outgoing account tiers
Integration with banks and card processors for real-time payments and reconciliation
Cloud-native SaaS platform with React admin portal and Flutter mobile app
Custom payment microservices with banking service-account tree architecture
HIPAA/SOC 2 compliant security architecture built from day one

Impact: Platform went from concept to production in 10 months, enabling $50M Series A funding. Employer clients grew from 0 to 150+ in first year. Benefits processing cost per transaction reduced 70% vs legacy systems. Platform now manages $200M+ in annual benefits disbursements. Zero security incidents or compliance violations since launch.

Data-Driven Modernization of a Global FX Trading Platform

Challenge: A global FX marketplace processing 10,000+ requests per second faced mounting technical debt. The monolithic architecture, outdated UI, and rigid payment systems threatened scalability as trading volumes grew.

Solution: We delivered full-stack modernization of the trading platform:

Complete frontend and backend redesign with zero disruption to live trading
Payment systems re-engineered for improved settlement speed and reliability
Microservices migration decomposing the monolith into independently deployable services
Full CI/CD automation enabling rapid controlled releases
Low-level network optimizations pushing sustained throughput to institutional-grade performance

Impact: Platform now handles 10,000+ req/s with lower latency, supporting increased trading volumes without infrastructure scaling. Trader onboarding time reduced by 40% through modernized UI. Release cycles cut from weeks to days via CI/CD automation. Settlement reliability improved with 99.9% payment processing uptime. Independent microservices scaling enabled 3x faster feature delivery.

Highly Resilient Payment Processing System for Major European Bank

Challenge: One of Central Europe’s largest banks needed complete replacement of its legacy payments core—a system handling 9 million transactions per day with 99.741% uptime across 12 independent product domains simultaneously.

Solution: We designed the architecture that won the competitive tender, then delivered the platform:

Microservices-based transaction processing replacing legacy across 12 products
Service-oriented architecture with Kafka Pub/Sub ensuring full service interoperability
Apache Flink stream processing for high-frequency workloads
Kubernetes infrastructure with Istio service mesh for 24/7 availability
ISO 20022 compliance and DevSecOps security model with PCI DSS compliance

Impact: System achieved 99.741% uptime (target: 99.5%), processing 9M transactions daily with peak capacity of 3M in 8 hours. Transaction processing costs reduced 50% through cloud-native architecture. Platform now serves 5M mobile users, 30K enterprise clients, and 7K internal staff. ISO 20022 compliance enabled faster payments and PSD2 readiness, opening new revenue streams.

What we offer - from strategy to production

Product Design

AI is changing how people interact with software — voice, agents, natural language, copilots. We design the experiences that make those interactions feel intuitive and validate them fast.

Product Engineering

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Bespoke solutions built with modern stacks — cloud-native, API-first, designed to evolve. Delivered using AI tools and methodologies to remove cost and reduce time to market.

Applied AI

Squads of AI Engineers, Data Scientists and Data Engineers embedding AI in your workflows and organization – innovating where it matters and delivering on ROI expectations, in close proximity with your teams.

Data & AI consulting

We advise you on your most complex data and AI challenges, identify high-ROI use cases and design architecture to scale, applying Data Mesh concepts to Enterprise challenges.

Modernization

Squads of Engineers applying AI to refactor legacy applications so they can support modern data flows, integrations, and AI workloads without a full rebuild.

IT Services Operations

24/7 operations, monitoring, and continuous optimization. We keep your systems running while proactively improving performance, security, and cost efficiency — using AI-driven automation.

FAQ

Financial technology consulting helps financial companies like yours innovate faster, improve customer experiences, streamline operations, and stay compliant. In a nutshell, it turns technology into a strategic advantage in a highly competitive market.

Depending on the scope of the project, our agile delivery models can produce prototypes — or MVPs (minimal viable products) — in as little as 8–12 weeks.

As a leading financial services technology consulting firm, we embed compliance into our solutions at the design level. This involves aligning architecture and workflows with regulatory standards — such as GDPR, AML, KYC, Solvency II — using configurable controls and reporting layers.

We offer flexible models, including advisory + lab, managed services, and extended team deployment. We can help bolster your existing team with specific expertise or provide an entire nearshore/offshore development team for rapid design and deployment.

We work closely with you to establish KPIs early on. These could include time to market, operational cost savings, error reduction, customer satisfaction, retention rates, or automation yield. Once KPIs are established, we report regularly on progress and success.

Yes. We form long-term partnerships centered around providing ongoing support, optimization, and innovation through our automation processes, support services, and digital consulting.