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Remote-First Banking Platform Modernization and Ecosystem Expansion
  1. case
  2. Remote-First Banking Platform Modernization and Ecosystem Expansion

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Remote-First Banking Platform Modernization and Ecosystem Expansion

netguru.com
Financial services
Information technology

Challenges in Scaling and Remote Collaboration

Rapid growth and product expansion (debit cards, consumer loans, third-party integrations) outpaced internal development capacity. Needed to transition to remote-first operations while maintaining velocity in API-driven product delivery and securing critical partnerships.

About the Client

Berlin-based fintech with a full banking license, enabling companies to offer financial products through API-integrated modules

Strategic Objectives for Platform Growth

  • Establish scalable remote-first engineering teams
  • Accelerate development of core financial product modules
  • Implement test automation for continuous delivery
  • Expand API integrations with global payment networks
  • Maintain compliance with financial regulations

Core Platform Capabilities

  • Debit card lifecycle management system (Ruby)
  • Consumer loan origination engine (Elixir)
  • Automated dunning notifications system
  • Mastercard API integration for card management
  • KYC and algorithmic scoring APIs

Technology Stack Requirements

Elixir
Ruby
API-first architecture
Cloud-native infrastructure

Critical System Integrations

  • Visa Direct
  • Mastercard APIs
  • Samsung Pay
  • Third-party financial service providers

Operational Excellence Criteria

  • Enterprise-grade security
  • Horizontal scalability
  • 99.99% API uptime SLA
  • Regulatory compliance (PSD2, GDPR)
  • Distributed team collaboration tools

Expected Business Impact

Enables 30% faster product time-to-market, supports €100M+ funding growth trajectory, strengthens partnerships with global financial networks, and establishes remote-first engineering model for 400+ employee organization

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