// 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))
// 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 Lumia & Amplify.
Amplify is Sciensa's digital banking acceleration platform — pre-built, pre-compliant modules for every layer of digital financial operations.
Lumia AI is Sciensa's LLM orchestration layer for financial institutions — risk models, fraud detection, AML, document AI and intelligent service with full auditability.
// Stack tecnológica
Cloud
AWS
Azure
GCP
Kubernetes
TerraformData & AI
Spark
Kafka
MLflow
TensorFlow
LangChainIntegration
Kong
MuleSoft
GraphQLSecurity
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.