Fintech and regulated platforms
Payment, lending and back-office platforms, built to be audited.
Software that carries regulatory weight: integration with banking and payment rails, reconciliation that balances, an audit trail over every consequential action, and access control your risk function can review. We do the engineering; licensing and regulatory advice stay with your counsel.
02What it is
Every movement of money leaves a record that holds.
The ArchiTechs Group builds payment, lending, wallet, billing and back-office platforms for Saudi organisations, along with other software that carries regulatory weight. The engineering decides whether a platform survives review: integration with banking and payment rails, reconciliation that balances and shows its breaks, an audit trail over every consequential action, access control with segregation of duties, and a codebase prepared for a penetration test. The firm does the engineering and does not provide licensing or regulatory advice; what a regulator requires is a question for your counsel and your compliance function, and we build so that the controls they and your auditors ask for are in place. The Financial Sector Development Programme under Vision 2030 has brought a great deal of new financial software into the Kingdom, and our contribution is building it to a standard that survives inspection.
For whom
For fintech founders and product teams, and for the digital and treasury functions inside Saudi banks, finance companies and large merchants building payment, lending or billing software of their own.
03Shape of the work
Connections to the banking, payment, settlement and identity services the product depends on, built against the sandbox and proven against the live rail before launch.
A double-entry ledger and a reconciliation that runs on a schedule, with breaks surfaced and investigable instead of quietly absorbed.
Role-based access, segregation of duties, approval limits, and a record of who did what, to which account, and when.
A codebase and infrastructure prepared for an independent penetration test, with the remediation work scoped in before the report arrives.
The architecture, data-flow and control documentation your auditors, your risk function and your board ask to see, produced alongside the build.
- 01Rails and integrationConnections to the banking, payment, settlement and identity services the product depends on, built against the sandbox and proven against the live rail before launch.
- 02Ledger and balancesA double-entry ledger and a reconciliation that runs on a schedule, with breaks surfaced and investigable instead of quietly absorbed.
- 03Controls and audit trailRole-based access, segregation of duties, approval limits, and a record of who did what, to which account, and when.
- 04Security reviewA codebase and infrastructure prepared for an independent penetration test, with the remediation work scoped in before the report arrives.
- 05Evidence packThe architecture, data-flow and control documentation your auditors, your risk function and your board ask to see, produced alongside the build.
04What you receive
How the engagement runs
Fixed scope per release, with the security, reconciliation and audit work inside that scope, not added once the product is live. Where a question belongs to your regulator or your licence rather than your engineers, the work stops at that boundary and the report says so.
- The platform, its source and its infrastructure definitions, in your repository
- Integrations to your banking and payment rails, with the test evidence
- A ledger and a scheduled reconciliation, with breaks visible
- Access control, segregation of duties and an audit trail over every consequential action
- An evidence pack for your auditors, your risk function and your board
05The other lines of work
All services- 01
Enterprise systems and ERP
An ERP that fits how the organisation works, and still upgrades.
- 02
Web and mobile applications
Applications people use every day, in Arabic and in English.
- 03
AI transformation
From assessment to systems in production, with one team advising and building.
- 04
AI governance, safety and compliance
AI you can defend to a regulator, with the controls in place.
- 05
Sovereign and private AI deployment
Capable AI on infrastructure you control, run by your own team.
06Start here
Tell us what the platform moves, and who has to sign it off.
What the product does with money or with regulated data, which rails it depends on, and who reviews it: your auditors, your risk function, or a regulator. The first reply says what the engineering scope would cover and where it would stop.
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