Financial Software Development in the UK
The UK financial sector is one of the most regulated and competitive in the world. As an IT decision-maker, you're under constant pressure to upgrade legacy systems, manage cyber risks, and meet evolving compliance demands. With deep experience in financial software development for the UK market, we work alongside your teams to deliver secure, compliant solutions, supporting your goals for resilience and innovation.
Commercial & Challenger Banks
Deliver instant, compliant financial services that your customers trust. We help you integrate Open Banking APIs, implement ISO 27001 payment messaging, and deploy real-time decision engines, ensuring your products meet FCA requirements.
Mortgage Lenders
Cut days out of underwriting with digital ID checks, automated property valuations, and pipeline dashboards your brokers can track in real time. Enable 70 %+ automated mortgage decisions with full PRA compliance.
Asset & Wealth Managers
Make faster, smarter investment decisions with secure analytics tools that simplify reporting and ensure you're always prepared for audits and compliance checks.
Insurance & InsurTech
Accelerate claim settlements and reporting through predictive AI risk modeling. Our solutions flag suspicious claims early and feed straight into your policy system.
Payment & E-money Providers
Deploy UK-resident cloud stacks with real-time adaptive fraud detection, supporting UK payment scheme requirements with ultra-low latency.
FinTech Start-ups
Launch your financial products quickly and smoothly, from initial idea to regulatory approval, without technical headaches.
Why UK Financial Leaders Choose Accedia
- 12+ years of innovation in the finance sector
- Recognized by Deloitte, Financial Times & Gartner
- Trusted by Castle Trust Bank, BNP Paribas, Societe Generale and Shawbrook Bank
- AI model repository addressing common pain points to quickly deliver value in Finance
- Cultural and time-zone proximity, easy travel arrangements, and legal and regulatory compliance.
Trusted Network & Certifications
Business Development Consultant
Kristiyan Kazanliev
Kristiyan is a Business Development Consultant with over a decade of cross-industry experience, helping institutions drive digital innovation and growth.
How We Accelerate Digital Banking Transformation for UK Clients
Custom Application Development
Tailored platforms specifically designed around UK payment schemes and FCA regulations. Launch secure, compliant, and customer-centric financial products quickly and confidently.
Machine Learning and AI
Use AI-powered tools to spot fraud quickly, reduce financial risk, and simplify compliance reporting. Predict credit risks proactively, and ensure transparent, audit-ready analytics that meet stringent FCA standards.
Data Analytics
Centralize trade, risk, and customer data to automate regulatory reporting. Real-time dashboards simplify Basel 3.1 and PRA compliance, significantly streamlining month-end processes.
Cyber Security
Protect your customers' data and financial transactions with continuous monitoring, strong security controls, and audit-ready systems. Our solutions help you meet UK banking standards like CBEST and ISO 27001, giving you peace of mind and smoother audits.
Cloud Engineering
Simplify your cloud migration in UK banking with secure and cost-efficient cloud engineering services. Enjoy automated disaster recovery, encrypted data transit, optimized costs, and full data-sovereignty compliance.
Application Modernization
Upgrade your outdated financial systems with modern technologies to enhance performance and security. Ensure seamless integration with new financial applications, boost scalability, and improve transaction processing efficiency.
Automating Digital Lending at Scale for Castle Trust Bank
Castle Trust Bank partnered with Accedia to streamline lending operations, enhance fraud prevention, and ensure compliance, all while supporting a network of 2,000 retailers. Together, we built a scalable lending platform, automating over 200,000 credit decisions yearly and enabling 80% of loans to be approved in minutes.
Real-Time AI-Powered Fraud Detection
Accedia enabled a major UK bank to reduce fraud incidents by 35% by embedding an AI fraud detection banking solution directly into their transaction workflows, reducing false positives, and enhancing compliance via UK-resident cloud services.
Early Compliance with the Basel 3.1 Regulation Liquidity Rules
Facing stricter LCR rules, a UK bank partnered with Accedia to build an AI-driven liquidity-risk platform. The solution sharpened real-time HQLA monitoring and cut stress-test cycles by 30%, letting the team meet Basel 3.1 demands without locking away extra capital.
Our Banking and FinTech Success Stories
Automating Digital Lending at Scale for Castle Trust Bank
Castle Trust Bank partnered with Accedia to streamline lending operations, enhance fraud prevention, and ensure compliance, all while supporting a network of 2,000 retailers. Together, we built a scalable lending platform, automating over 200,000 credit decisions yearly and enabling 80% of loans to be approved in minutes.
Real-Time AI-Powered Fraud Detection
Accedia enabled a major UK bank to reduce fraud incidents by 35% by embedding an AI fraud detection banking solution directly into their transaction workflows, reducing false positives, and enhancing compliance via UK-resident cloud services.
Early Compliance with the Basel 3.1 Regulation Liquidity Rules
Facing stricter LCR rules, a UK bank partnered with Accedia to build an AI-driven liquidity-risk platform. The solution sharpened real-time HQLA monitoring and cut stress-test cycles by 30%, letting the team meet Basel 3.1 demands without locking away extra capital.
Proud Member of the London Chamber of Commerce & Industry (LCCI)
Accedia’s membership in the London Chamber of Commerce & Industry places us at the heart of the UK’s largest business network. As part of LCCI, we stay informed about UK business and regulatory changes. This ensures our financial software solutions are technically sound, but also practical, compliant, and aligned with your market’s needs.
Learn More About Our UK CommitmentSecurity & Compliance Built for UK Banks & FinTechs
- FCA, PRA & PSD2 compliance integrated into every project.
- Audit-ready reporting aligned with upcoming regulations.
- Secure, UK-resident cloud deployments meeting data sovereignty requirements.
- AI-powered fraud detection to protect customers and reduce financial risk.
- Continuous threat intelligence monitoring and proactive incident response.
Start Your Financial Software Development Project
1
Initial Consultation
Discuss your goals, regulatory requirements, and key compliance considerations.
2
Define Project Requirements
Outline your banking or fintech-specific requirements, such as integration with Open Banking APIs or system modernization.
3
Build Your Team of Experts
Assemble a dedicated team with proven expertise in UK financial software development.
4
Agile Development
Ensure high-quality delivery and compliance through rigorous testing, agile practices, and security assessments.
5
Ongoing Support
Provide ongoing technical support, keeping your systems reliable, secure, and aligned with UK regulations.
FAQs: Answering Common UK IT Leaders' Concerns?
Do you offer cybersecurity services specifically designed for UK financial institutions?
Accedia provides comprehensive cybersecurity in banking services aligned with UK regulations like Cyber Essentials Plus, CBEST testing, and ISO 27001 certification. We offer ongoing monitoring, threat detection, and audit-ready documentation.
Cybersecurity ServicesCan you help integrate AI and machine learning into our existing banking systems?
Yes, Accedia specializes in integrating AI and machine learning solutions into existing banking platforms, including real-time fraud detection, automated lending, and risk analytics.
AI and Machine Learning ServicesHow quickly can Accedia deliver banking software solutions?
Our agile software development approach enables rapid delivery without compromising on quality. We quickly assemble dedicated teams tailored to your project needs, ensuring a fast ramp-up and smooth project start. Most financial solutions are delivered in clearly defined, incremental stages, providing value quickly and consistently.
What support does Accedia provide after project completion?
We offer ongoing technical support, regular software updates, compliance checks, and continuous improvement tailored specifically to evolving UK financial regulations and market demands.
How can partnering with Accedia optimize your software development costs?
With Accedia, you get a dedicated team of experts without the long-term costs of hiring, training, and retaining in-house staff. On average, outsourcing finance software development can reduce your delivery costs by 30-50% compared to building internal teams. You also benefit from faster time-to-market, flexible scaling, and a dedicated engineering manager at no extra cost.
Can you audit our legacy banking systems and recommend improvements?
Yes. We start by assessing your existing systems for security risks, compliance gaps, performance issues, and integration challenges. Our legacy system audit gives you a clear, actionable plan to modernize critical infrastructure and reduce operational risks.
Scale Your Software Development Team
Looking for a technology partner to strengthen your financial organization? Share your project needs and get:
- Meeting with a fintech consultant
- Analysis of your project requirements
- Presentation of a solution proposal
Client Testimonials
Accedia team is instrumental in delivering multiple projects across Omni business. Where the changes occur when a project is in progress, the team is accommodating and always looks for a solution to help deliver the best outcome for customers.
The Accedia team feels like a part of our own, resulting in strong team dynamics which are critical to a successful partnership. We work very closely, they are able to change direction quickly and directly contribute to the evolving design and approach of our platform. They have added a great mix of fintech know-how, tech expertise and Scrum skills to the table, additionally helping to define processes.
