Open Banking & FinTech Solutions
We built Europe's first Pay-by-Face open banking solution for a client. From PSD2-compliant payment platforms to bank account aggregation and real-time settlement — we engineer fintech systems that move real money.
FinTech Engineering — Battle-Tested with Real Money
FacePOS, a fintech platform we built for a client, processes transactions up to €100,000 using facial recognition and open banking — no cards needed. It's PSD2-compliant, uses bank-level AES-256 encryption, and integrates with Tink for real-time bank connectivity across Europe. This isn't theoretical — it handles real money for real merchants.
Our fintech engineering practice covers the full stack: open banking API integration (Tink, TrueLayer, Plaid), payment processing (Stripe, Razorpay, UPI), KYC/AML compliance, multi-currency wallets, and regulatory reporting. We understand PSD2 SCA requirements, PCI DSS compliance, and financial data encryption standards because we apply them daily in client projects and our own platforms.
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What We Deliver
Comprehensive capabilities across every aspect of fintech & open banking.
Open Banking API Integration
PSD2-compliant open banking integration with Tink, TrueLayer, and Plaid. Account aggregation, payment initiation, balance checks, and transaction categorization. Multi-market support across EU, UK, and US banking networks.
Payment Platform Development
Custom payment processing platforms with multi-gateway support (Stripe, Razorpay, PayPal, UPI), recurring billing, split payments, marketplace payouts, and real-time settlement tracking. PCI DSS Level 1 compliance built in.
Biometric & Facial Recognition Payments
Face recognition payment systems — we built FacePOS for a European client. No cards, no phones, just your face. Strong Customer Authentication (SCA) compliant with liveness detection, anti-spoofing, and bank-level encryption.
Banking-as-a-Service (BaaS)
White-label banking platforms with account creation, KYC verification, fund transfers, card issuance, and regulatory reporting. We build the technology layer so you can focus on distribution and customer acquisition.
Digital Wallets & Ledger Systems
Multi-currency digital wallets with real-time balance tracking, transaction history, peer-to-peer transfers, and merchant payouts. Double-entry ledger systems ensuring zero-discrepancy accounting.
RegTech & Compliance Automation
Automated KYC/AML screening, transaction monitoring, suspicious activity reporting (SAR), and regulatory filing. We integrate with identity verification providers (Onfido, Jumio) and sanctions databases.
Why Choose LaabamOne
What sets us apart from the competition.
Big 4 Quality, India Pricing
Our professionals are ex-Big 4 and Fortune 500 — delivering the same quality at 40–60% lower cost through our India-based delivery centers.
Dedicated Team Model
No rotating resources. You get a named team that learns your business, your systems, and your preferences — providing consistency engagement after engagement.
3-Country Coverage
Offices in India (Madurai), Ireland (Co Sligo), and Australia (Melbourne) give you overlapping time-zone support and multi-jurisdiction tax expertise.
Scalable Engagement
Start with one service and expand as needed. Our modular approach means you can add accounting, tax, ERP, or staffing services without changing providers.
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