Financial services software development

Systems built so that every decision can be traced and explained later. ISO certified, Indo-German governance, since 2004.

Financial software development means building systems where both the result and the record of how it was produced matter. AMT (Advanced Millennium Technologies) builds and modernises financial systems under ISO 9001:2015 and ISO 27001:2022, with Indo-German governance and a delivery process that records who approved what at every stage.

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// prove_it

In financial software, being right is not enough. You have to prove it.

In most software, a correct answer ends the job. In financial services, it is only half of it. Someone will later ask why the system did what it did, on what data, under which version of the rules, and who approved the change that made it behave that way. If a developer has to dig through logs to answer, the answer is effectively unavailable.

// six_audit_questions

Six audit questions your financial software must be able to answer

Six audit questions your financial software must be able to answer
Question	What it requires in the design
What did the system decide, and when?	Logging every decision, not just errors. Most systems record what broke, not what was chosen.
On what data?	The input exactly as it was at that moment. This needs point-in-time data, which is expensive to add later.
Under which version of the rules?	Rules and settings versioned and stored with each decision. Otherwise a rule change silently rewrites history.
Who approved the change that caused this?	A trace from the running system back to a named approval.
Who was allowed to see this?	Access recorded per request, not just configured. Who could have seen it and who did see it are different answers.
Can you prove it was not altered?	Append-only records or equivalent integrity controls on anything that matters after the fact.

Every one of these is cheap to design in and painful to add later. If you are at the architecture stage, bring this list to that meeting.

Take the six audit questions to your architecture review

Six questions your system will eventually be asked, with what each one requires in the design. One page, and much cheaper to read now than to retrofit later.

// regulations

Regulations we design for

Financial regulations and what they mean for the build
Standard or rule	What it means for the build
GDPR	Personal data of EU residents: lawful basis, minimisation, access rights and residency decided at architecture stage.
EU DORA	EU financial firms must manage risk from ICT providers, so expect due diligence on your vendor's security, exit plans and incident reporting. We prepare that pack with you.
PCI DSS	Card data in scope: keep it out of your systems where possible, and isolate it where it cannot be.
Audit and record keeping	Decision logs, versioned rules and tamper-evident records, as in the six questions above.

Certification of your system stays with you and your auditors. Our job is to make sure the design gives them what they need.

// ai_in_regulated

Using AI in regulated financial processes

We will say this plainly. If a decision must be right every time and defensible afterwards, generative AI on its own is the wrong tool, and any firm telling you otherwise is selling.

AI does work well alongside the regulated process rather than inside it:

Policy and procedure search with citations back to the source document (see RAG development).
Document extraction that pulls structured data from forms and statements, with a person confirming the result.
Internal assistants that help staff find the right rule faster.

In each case, the decision stays with a person and the system shows its working.

// indo_german

Why our Indo-German governance matters for European clients

AMT was set up in 2004 as an Indo-German joint venture, so European governance expectations are built into how we deliver. Data residency and access control are decided at the architecture stage, GDPR is treated as a design requirement, and there is named human sign-off at requirements, design, build and release. More on our about page and certifications.

// proof

Proof

Transactional banking assistant for a microfinance institution. Built for a microfinance organisation in Cambodia offering loans, micro-insurance and interbank transfers. The assistant connects to the core banking system, so customers can check balances, view transaction history, transfer funds and apply for loans on the website, mobile app and SMS, in English and Khmer. Anything it cannot answer raises a CRM ticket automatically, so a person picks it up.
Certifications. ISO 9001:2015 quality management and ISO 27001:2022 information security. Certificate numbers are published on our certifications page.

// what_we_build

Financial software we build

Financial software AMT builds
Service	What it covers
Core system modernisation	Phased, with the business running throughout. See Modernise Without Downtime.
Regulatory and reporting systems	Where being able to reconstruct every number is the requirement.
Policy knowledge search	RAG with citations, so staff can check the source.
Document extraction	Structured data from unstructured documents, confirmed by a person.
Integration and data platforms	Connecting systems that were never designed to talk to each other.

// cost

Cost

Financial software development cost
Stage	Pricing model	What drives the effort
Discovery and architecture	Fixed price, 2 to 3 weeks	Number of systems, regulatory scope and data residency questions.
Build or modernisation	Scoped after discovery	Integrations, audit and compliance depth, and data migration.
Typical budget range	20 to 35 USD per hour	Compliance architects and audit design at the higher end, integration and testing at the lower end.

// faqs

FAQs: financial services software development

Is AMT certified?

Yes, ISO 9001:2015 and ISO 27001:2022. Certificate numbers and issuing bodies are on our certifications page.

What compliance standards matter for financial software?

Commonly GDPR for EU personal data, PCI DSS where card data is involved, and EU DORA for how financial firms manage their technology providers, plus your local regulator's record-keeping rules.

How do you handle data residency?

It is decided at the architecture stage, together with access control and audit logging, not added later.

Can we use AI in a regulated financial process?

Alongside it, yes. Search with citations, extraction with human confirmation and internal assistants work well. A generative model making a decision that must be right every time does not.

How do you prove what the system did?

Decision-level logging, versioned inputs and rules, a trace from every change back to an approval, and integrity controls on records that matter later.

What does the Indo-German structure mean for us?

European governance expectations built into the delivery process, and contracts a European legal team will recognise.

Bring us the compliance question first

30 minutes with a senior engineer. Most firms start with the build. We would rather start with what the system has to prove afterwards, because that decides the architecture.

Not ready to talk? Read how we deliver. No form.