// Industries / Financial Services
Engineering trust at transaction speed
From core banking modernization to real-time payments and AI-powered risk intelligence, we build the critical systems financial institutions rely on to operate, innovate and scale.
// OUR DIFFERENTIATOR
Financial-grade engineering, earned in production.
Compliance by architecture, not checklist
Financial services technology operates under a constraint no other sector faces: every architecture decision is also a compliance decision. Institutions that embed compliance into the architecture from the start capture 3× more value than those that treat it as a post-hoc audit, in a market where fintech revenue is projected to reach $2 trillion by 2030. (McKinsey (2025))
Real-time is the minimum expectation
Real-time is not a feature in financial services, it is the baseline expectation. Sciensa's financial services stack is built for sub-50ms latency, PIX-level throughput and 99.9% uptime SLOs. (Accenture (2025))
// Téssera in Financial Services
Agents that decide and act inside your perimeter, with every decision auditable for BACEN.
Téssera is the AgentOS where your financial agents truly operate: they negotiate, decide and close with predictable cost per execution and governance built into every step.
Autonomous credit recovery
The agent negotiates the debt on WhatsApp, from first contact to a closed agreement, and escalates to a human only when policy requires.
Identifies
Debtor and best contact window
Reaches out
Via WhatsApp with AI disclosed
Negotiates
Within defined policy limits
Closes deal
Records, signs and issues the boleto
Escalates
To a human when policy requires
// other agents in this vertical
Téssera runs multiple specialized agents covering the full credit lifecycle, each with its own harness, governance and cost per execution.
KYC
End-to-end identity verification
Onboarding
Guided and autonomous account opening
Credit analysis
Real-time credit decision
Collections
Autonomous recovery with agreement and boleto
Fraud prevention
Detection and blocking of suspicious transactions
BACEN will ask. The agent already logged it.
Every decision with a traceable reason. Mandatory AI disclosure at the start of every conversation. Immutable audit trail per execution, without a black box.
Customer data stays where you say.
Cloud, isolated cloud or BYOC. The agent runs inside your cloud and no customer data leaves your perimeter.
Cost per attempt. Not per headcount.
Every execution with known cost before it runs. Configurable ceiling per execution. Scale collection volume without scaling the team.
Ready for agents that truly decide and execute?
See Téssera working in your context.
// WHAT WE DELIVER
End-to-end capabilities for financial institutions.
Deep domain knowledge meets engineering precision, from strategy to production.
Core Banking Modernization
Decompose monolithic core systems into event-driven, API-first architectures, without disrupting daily operations.
// CASES
Production results.
Core Banking Decomposition
70% reduction in deployment cycles while maintaining 99.9% uptime during migration of 12M+ accounts.
PIX Infrastructure at Scale
Processed 2.5M+ daily transactions with p99 latency <200ms and real-time fraud scoring.
Digital Banking Platform
Full-stack digital banking go-live in 8 weeks with Amplify for 500K+ users.
// Plataformas
Powered by Amplify.
Amplify is Sciensa's digital banking acceleration platform — pre-built, pre-compliant modules for every layer of digital financial operations.
// Stack tecnológica
Cloud
AWS
Azure
GCP
Kubernetes
TerraformData & AI
Spark
Kafka
MLflow
TensorFlow
LangChainIntegration
Kong
Apigee
MuleSoft
GraphQL
gRPCSecurity
Vault
OPA
SonarQube
Snyk// FAQ
Frequently asked questions.
Open Banking allows third parties to access bank account data and initiate payments. Open Finance extends this to a broader set of financial data across all financial institutions.
BACEN is Brazil's central bank and primary financial regulator, setting requirements for capital adequacy, PIX participation, Open Finance API standards and cybersecurity policy.
FAPI is a security profile built on OAuth 2.0 and OpenID Connect for high-security financial data access, adding mutual TLS, JWT-protected requests and token binding.
Tokenization creates a digital representation of an asset on a ledger, enabling fractional ownership, faster settlement and 24/7 trading across real estate, receivables, securities and commodities.
It means designing the system so regulatory requirements are structurally impossible to violate — automatic audit trails, infrastructure-enforced data residency, middleware-verified consent.
Fintechs are built cloud-native from day one. Traditional banks have decades of accumulated systems. The strategic challenge is modernizing without disrupting revenue-generating operations.
Ready to modernize your financial infrastructure?
Schedule a briefing with our financial services engineering team.