Finance & FinTech

Financial software built around the core you already run.

An independent engineering partner for banks, credit unions, lenders, payment companies and fintechs. We build, integrate, modernize and support the systems around your core banking, lending and payment platforms.

Book a workflow review See the problems we solve
  • Independent of core banking vendors
  • Your code, your IP
  • US · Canada · UK/EU · Middle East · ANZ

New products, rails and partners, without a new core project each time.

Launches in flight

  • Small business loanLender · new stateLive
  • Instant paymentsBank · real-time railIntegrating
  • Embedded card programFintech · new partnerConfiguring
  • Open banking dataLender · new data sourceAssessing

Illustrative screens, not client data.

Who we work with

Every product line. Every seat in the money flow.

Pick the sector you work in or the kind of business you run. Each page starts with that segment's workflows, data and regulators.

By sector

01

Lending & Credit

Consumer, small business and specialty lenders: origination, underwriting, servicing and collections.

  • Origination
  • Underwriting
  • Servicing
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02

Payments

Payment companies and processors: rails, reconciliation, disputes and merchant onboarding.

  • Real-time rails
  • Reconciliation
  • Disputes
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03

Banking

Digital and business banking: onboarding, accounts, cards and customer service.

  • Onboarding
  • Accounts
  • Cards
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04

Wealth & Asset Management

Advisers and managers: client onboarding, portfolio data and reporting.

  • Client portals
  • Portfolio data
  • Reporting
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By type of business

01

Fintech Companies

Series B–D teams scaling a product, a platform or a new partner channel.

  • Platform
  • Partners
  • Scale-up
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02

Community Banks & Credit Unions

Digital products and integrations beside an established core.

  • Digital
  • Core integration
  • Members
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03

Non-Bank Lenders & Finance Companies

Loan platforms, broker channels and funding partner reporting.

  • Loan platforms
  • Brokers
  • Reporting
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04

Embedded Finance & Platforms

Software companies adding payments, cards or lending for their customers.

  • Payments
  • Cards
  • Lending
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Problems we solve

From first application to final report, the work we're asked for most.

Six problems we hear from finance teams. Each row names the problem the way your team describes it, and what we typically build to fix it.

Onboarding & KYC “Good customers give up halfway through onboarding.” Identity, business and ownership checks run in separate tools, with manual reviews in between.
What we build

Digital onboarding journeys, KYC and KYB orchestration, and review queues that only route what needs a person.

Lending “Loan decisions take days we don’t have.” Underwriters assemble every file by hand from statements, tax returns and bureau data.
What we build

Origination portals, document review, decision services with reason codes, and servicing integrations.

Fraud & AML “Our alert queue never gets shorter.” Most alerts are false positives, and each one takes an analyst an hour or more to clear.
What we build

Alert triage and case management, investigation workbenches, and tuned monitoring rules.

Payments “Real-time rails, batch back office.” New payment rails arrive faster than the core, ledger and reconciliation can keep up.
What we build

Payment hubs and APIs, real-time rail integrations, and dispute and exception workflows.

Finance operations “Month-end still runs on spreadsheets.” Settlement files, the ledger and bank statements are matched by hand, and breaks are chased by email.
What we build

Automated reconciliation, exception queues and finance data integration.

Data & regulatory reporting “Every regulator request is a fire drill.” Customer, product and risk data live in systems that disagree, so every report is rebuilt.
What we build

A governed finance data platform, regulatory and management reporting, and audit-ready lineage.

AI in the workflow

AI checks every case. Your team makes the calls.

AI reads applications, statements, transactions and onboarding documents, checks them against your own policies, and builds the case. Pick a task to see it on the file.

Explore our AI practice

Illustrative documents, not client data.

Modernize without starting over

No platform to sell. Just the right system for how you work.

Most banks and lenders can't stop the business for a core replacement. We build, integrate and modernize around the core and ledger you already run, one contained change at a time.

Platform implementation partnerChapter247
Starts from a vendor's product

Starts from your workflow and your risk appetite

Configures within one platform

Builds what your core and lending systems don't cover

Specializes in one core

Works across core banking, lending, payments and homegrown systems

Large program teams

Senior teams sized to the problem

Hands over at go-live

Can build, run and evolve the same system

We don't resell or implement any core banking platform. We build around the core, lending and payment systems you already run, using their supported interfaces.

  1. 01

    Start contained

    One product, channel or workflow.

    Week 1
  2. 02

    Keep proven systems

    Your core and ledger stay. We connect around them with APIs and events.

    No rip-and-replace
  3. 03

    Prove it in production

    A scoped release, measured against a baseline set up front.

    Measured
  4. 04

    Expand on the same foundation

    Add the next product, rail or partner without restarting.

    Step by step

How finance uses CLEAR

Every finance engagement starts with C247 CLEAR.

Explore C247 CLEAR
  1. C ClarifyTarget: same-day decisions on small business loans
  2. L Locate · most effortApplication, bank statements, bureau data and the loan system
  3. E Evaluate · most effortBuild or extend, model risk and a fair lending review
  4. A ArchitectDecision service, document review queue, core integration
  5. R RoadmapOne loan product first, then the next, on the same rails

Engagement models

Clarity before code. Evidence before scale.

Start small and expand, or bring us in for a defined program. Models can change as the work changes.

01

Discovery sprint

Fixed scope. Map one workflow and agree what to build, with a clickable prototype.

Best forStarting with clarity
02

Fixed-scope project

Defined outcome, timeline and price for a well-understood build, integration or migration.

Best forClear requirements
03

Dedicated team

A cross-functional Chapter247 team on your product roadmap, scaling as you need.

Best forOngoing product work
04

Managed support

Maintenance, enhancements, integrations and monitoring under agreed service levels.

Best forRunning what's live

Proof

Built for regulated money. Measured on real results.

A finance product we built and still run, measured against the baseline we agreed during CLEAR.

Digital lending platform

Same-day lending decisions with explainable risk scoring

  • FinTech
  • Risk models
  • KYC automation

Security & compliance

Built for regulated money from the first sprint.

Financial systems carry personal, account and card data, and answer to examiners and auditors. These controls are part of how we design, not a review at the end.

01

Data protection

Customer, account and card data kept under control

  • PII masked outside production
  • Encrypted in transit and at rest keys in your cloud account
  • Card data tokenized and kept out of scope where possible, for PCI DSS
02

Regulatory readiness

Rules carried in the system, not worked around

  • KYC, KYB and AML controls built into onboarding and monitoring
  • GDPR, UK GDPR and DORA-aware design for UK and EU firms
  • Audit-ready delivery evidence that supports SOC 2 and regulator reviews
03

Decision governance

Every decision explainable to an examiner

  • Human review with confidence thresholds and escalation
  • Reason codes on credit and risk decisions, including adverse action notices
  • Audit trails on every automated step and approval

“Think first. Then build.” is not a delay before delivery. It is how we make delivery more dependable.

Connect

Clarity before code.

We will help clarify the workflows, data, users, risks, and build path before your team commits engineering budget.

  • Workflows
  • Data
  • Users
  • Risks
  • Build path
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