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Banks and fintechs are under converging pressure from digital-native customer expectations, accelerating regulatory scrutiny, and core platforms that were never designed for real-time, always-on financial services.
Modernization is no longer discretionary: institutions must evolve how they build, operate, and govern systems in order to compete, comply, and operate safely at scale, without destabilizing the platforms that already run the business.
Rigid legacy banking systems make even small changes slow and risky, limiting institutions’ ability to move at market speed.
Fragmented data across systems hinders real-time fraud detection, credit decisions, and trusted, auditable AI-driven personalization.
Traditional banks’ slow, fragile release cycles weaken competitiveness, customer retention, and regulatory responsiveness.
Legacy architectures struggle to deliver predictable, resilient performance under peak load and failures, risking trust and regulatory scrutiny.
Fragmented, manual handling of expanding regulations drives higher costs, audit friction, and compliance gaps.
Scarcity of modern engineering skills under delivery pressure leads to fragile systems and reliance on individual “heroes.”
You need to move faster, but recruiting, hiring, and onboarding senior engineers will take months you do not have. Delivery pressure is immediate, and waiting for full-time hires would stall critical roadmap commitments.
We design streaming architectures that ingest transactions and behavioral signals in real time, enabling earlier detection of fraud and suspicious activity. By combining event processing with governed data pipelines and explainable scoring, these platforms integrate cleanly with case management and reporting systems while maintaining complete audit trails.
We help institutions design and operate secure, API-first platforms that support open banking, embedded finance, and ecosystem partnerships. This includes gateway design, throttling, consent management, monitoring, and developer tooling so APIs can be treated as managed products rather than bespoke integrations.
Working alongside product and design teams, we build the service layers that power mobile and web banking experiences. Our focus is on low-latency APIs, observability, graceful degradation, and architectures that support experimentation without compromising stability during peak usage or partial failures.
We design governed data platforms that unify transactional, customer, and risk data across systems. Emphasis on data quality, lineage, and explainability enables analytics and AI initiatives to move beyond pilots, supporting real-time decisioning while remaining defensible to regulators and auditors.
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We embed senior engineers and architects directly into client teams, working through existing tools and processes. In parallel, we deliberately transfer knowledge so internal teams gain lasting capability rather than long-term dependency.
Ziverge engineers have delivered production-critical systems in regulated financial environments where reliability, auditability, and correctness are non-negotiable.
Our experience spans core and payments platform modernization, real-time data and risk systems, and high-availability digital channels used in compliance-sensitive workflows.Where required, teams rely on these systems not only to operate correctly, but to explain—clearly and defensibly—how they behaved at a specific point in time under regulatory scrutiny.
Detailed case studies and client references are available on request, subject to confidentiality constraints common in financial services.
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