Sfotic.Frontier Technology Partner

Grow your fintech without growing headcount.

From the first tap of onboarding to the last line of the audit trail, we design and orchestrate proven digital and AI solutions for banks, wallets, remittance and lending businesses. Short delivery cycles, measured against a baseline we agree with you upfront.

Start a conversationSee what's trending in fintech
  • Banks
  • Wallets & MFS
  • Remittance
  • Lending & NBFI
  • Asset management
  • Insurance
Mobile wallet app screens showing wallet balance, notifications and a cross-border send flow with live exchange rate
68%
of applicants abandon financial onboarding
Industry onboarding research, the gap we close first
70%
of onboarding checks cleared without manual review
Digital lender, Gulf
40%
fewer AML false positives after risk model tuning
Retail bank programme
6 weeks
to a document extraction pipeline in production
Payments operator, South Asia

The first figure is from industry onboarding research. The others are outcomes from deployments of the solutions we orchestrate: typical results, not guarantees. Your baseline decides your targets.

Solutions for fintech

Seven proven solution areas we combine around your business problem. Most programmes use two or three together, designed to fit your systems before anything is bought.

Digital banking, wallets & cross-border payments

Launch or modernise the channels your customers actually use: a full digital bank, a mobile wallet, or a faster corridor for money moving across borders.

Digital bankingMobile and web banking with accounts, cards, transfers, bills and service requests in one app.
Mobile walletWallet with QR payments, top-ups, merchant acceptance and agent cash-in and cash-out.
Cross-border paymentsInbound remittance straight to wallet or account, with corridor pricing, FX and partner settlement.
Core and channel integrationIntegration layer over core banking, card switches and payment rails so the customer record stays single.
Best for BanksWallets & MFSRemittance
Explore digital banking & payments

Our competitive edge

A single vendor sells you one product. We start from your business problem, design how several proven solutions combine to solve it, then orchestrate delivery and stay accountable for the result.

In a regulated industry that matters twice: every deployment carries data residency options, audit trails and explainability from day one, because your regulator will ask.

Every commercial relationship with a solution partner is declared to you upfront.

Aligned

“Will this fit where my business is going?”

Every initiative maps to your short- and long-term strategy, from your next product launch to your next market.

Proven

“Will it actually work in a regulated business?”

We only bring solutions already running for financial institutions elsewhere, composed rather than reinvented.

Fast

“Will this drag on for a year?”

Startup-speed delivery in short cycles, with something working in production early rather than at the end.

Measurable

“How will I know it worked?”

Cost per onboarded customer, review turnaround, false-positive rate: baselined before we start, reported throughout.

Insights for fintech leaders

All fintech insights
Applied AI

What actually breaks when you automate AML review

The model is rarely the problem. Data quality, exception design and who signs off are.

May 2026Modernisation economics

Core banking replacement is rarely the cheapest answer

When an integration layer gets you most of the benefit for a fraction of the risk.

Apr 2026Sovereign & governance

Data residency options for cross-border financial data

What can leave the country, what can't, and how to design around it.

Mar 2026

Bring us one fintech problem worth solving.

We'll come back with the solution combination, a delivery plan in short cycles, and the numbers we'd measure it by.