IntelStack

Engineering the next
generation of banking.

IntelStack helps banks, lenders, fintechs, and financial institutions modernise, scale, and innovate through AI, data, cloud, and platform engineering — combining banking domain depth with modern engineering to deliver measurable outcomes.

Talk to the banking team See the work
The intelligence layer

Built on banking domain. Delivered in production.

From digital banks and lenders to established institutions, we provide the engineering, data, AI, and fintech ecosystem to accelerate innovation — while maintaining governance, security, and regulatory compliance.

Our leadership brings decades across global financial institutions, fintechs, and technology firms. We own the intelligence layer — the AI, decisioning, and financial-crime capability that sits between banking products and the platform beneath them.

The intelligence layer for modern banking Reference architecture
Channels & Propositions
Digital bankingOnboardingServicingSelf-serve
Banking Products
LendingDeposits & SavingsPaymentsTrade Finance
Intelligence Layer
Agentic AI & OrchestrationCredit & Risk DecisioningDocument IntelligenceFinancial Crime & AML
Data & AI Platform
LakehouseUnity CatalogMLOps & RegistryGovernance
Cloud & Core
AWS · AzureMambuCore BankingPayment Rails
Customer surface Cloud foundation
What We Do

Banking capability, end to end.

Seven delivery areas spanning the modern banking stack — from core modernisation to agentic AI and specialist talent.

01

Digital Banking & Core Modernisation

Launch new banking propositions faster with cloud-native, API-first architectures and modern banking platforms.

02

Lending Transformation

AI-powered lending journeys across onboarding, underwriting, credit decisioning, servicing, collections, and document intelligence.

03

AML, Compliance & Financial Crime

Modern compliance, onboarding, monitoring, and AML capabilities that improve operational efficiency and strengthen risk management.

04

Trade Finance Automation

Digitise and automate trade finance through intelligent document processing, compliance validation, and workflow automation.

05

Data, AI & Intelligent Automation

Modern data platforms, MLOps, AI solutions, and agentic workflows that drive productivity and customer-experience gains.

06

Agentic AI & Orchestration

AI orchestration across lending, compliance, operations, customer service, and engineering workflows.

07

Specialist Banking Talent

Experienced Data, AI, Cloud, and Engineering professionals with deep Financial Services domain expertise.

Banking domain knowledge, modern engineering practice.

Scope an engagement
Our Banking Advantage

Why financial institutions choose IntelStack.

  • 01 Banking-focused leadership with deep financial services expertise
  • 02 UK-headquartered with global delivery capability
  • 03 AI-native engineering with governance built in
  • 04 Modern cloud, data, and platform engineering depth
  • 05 Proven delivery across banking, lending, compliance, and fintech
  • 06 Accelerated delivery against written, outcome-based scopes
Strategic Fintech Partnerships

An ecosystem built for banking.

Specialist platform partners across banking, trade finance, lending, and financial-crime — combined with our engineering to deliver end to end.

Monument Technology

Cloud-native banking platform and Banking-as-a-Service — rapid launch of digital banking, savings, lending, and customer propositions.

The alliance

Traydstream

AI-powered trade finance automation — intelligent document checking, compliance validation, sanctions screening, and TBML controls.

SyntheticR

Advanced AML testing and benchmarking — validate and optimise financial-crime controls using synthetic financial ecosystems.

Amplifi Capital

Consumer and SME lending expertise supporting digital lending innovation, credit operations, and lending transformation.

Validat

Modern compliance and onboarding — KYC, AML screening, transaction monitoring, sanctions checks, and identity verification.

Technology ecosystem
DatabricksMicrosoft FabricAWSAzureSnowflakeSalesforceMambu
Banking Case Studies

Delivered for banks and lenders.

Named engagements across lending, BaaS, trade finance, and consumer banking — alongside AI delivery with reported outcomes.

All case studies
Named engagements
01 Ongoing
Amplifi Capital
UK consumer & SME lending · Credit union

Salesforce CRM modernisation across the lending lifecycle

Amplifi Capital is a UK specialist lender to underserved segments. As it scales, it is modernising its Salesforce CRM to unify visibility across sales, credit, and collections — improving lifecycle data flow from origination to collections.

Scope of work
  • —Audited the existing Salesforce estate and digital processes
  • —Redesigned the customer lifecycle: origination, underwriting, servicing, collections
  • —Integrated third-party APIs for credit scoring, document verification, and payments
  • —Built modular workflows automating underwriter decisioning and client communication
Stack · Salesforce· AppExchange· AWS· Experian APIs· UK payment gateway
02
EDB · APEX Group
Institutional banking · Luxembourg · BaaS

Banking-as-a-Service platform build for a global offering

European Depository Bank (EDB), a Luxembourg-based institutional bank, was building a white-labelled global BaaS offering in partnership with a major US bank. IntelStack ran discovery across both institutions and built the platform foundations.

Scope of work
  • —Full discovery of EDB and partner-bank capabilities
  • —Designed onboarding, application-tracking, KYC, and FX-liquidity journeys
  • —Integrated SEPA / SWIFT / ACH rails, account opening, ledgering, and screening
  • —Deployed to cloud with resilience, documentation, and data-protection controls
Outcome
  • →Institutional-onboarding MVP shipped
  • →API-led core banking enabling fast partner expansion
Stack · AWS· Mambu· ComplyAdvantage· IDnow· CurrencyCloud· GreshamTech· SaltEdge
03
Traydstream · Citi
Trade finance automation · Global banks

Trade-finance automation, integrated into Citi

Traydstream's trade-finance automation platform partnered with IntelStack to deliver implementation work for Citi and other global banks — document checking, validation, and compliance at global-infrastructure scale.

Scope of work
  • —Deployed document-parsing engines and trade-validation rules
  • —Integrated workflows with Citi's compliance and legacy systems
  • —Aligned security architecture for global infrastructure rollout
Outcome
  • →Automated trade verification
  • →Reduced manual processing for compliance teams
Stack · Python· Azure· Kubernetes· OCR / NLP· REST APIs
04
Shoal · SC Ventures
ESG consumer banking · Standard Chartered venture

ESG savings & investment platform engineering

Shoal, a fintech under Standard Chartered's SC Ventures, set out to build an ESG-led consumer banking platform. IntelStack contributed the savings module, then was appointed core product-engineering partner for the investment module — through to a clean handover on Shoal's acquisition.

Scope of work
  • —Built the customer-facing mobile savings module
  • —Stood up a 10-person squad: tech lead, BA, scrum master, UX/UI, full-stack, QA
  • —Led product architecture and stakeholder alignment for investment workflows
  • —Provided ongoing technical support and documentation
Outcome
  • →Extended savings features on Shoal's mobile app
  • →Appointed product-engineering partner for the investment module
  • →Knowledge transfer and codebase handed over post-acquisition
Stack · Dart / Flutter· .NET· AWS· GraphQL· Appium· CI/CD
05
UK commercial bank
SME business banking · UK

Digital-first SME current-account platform

A mid-sized commercial bank launched a digital-first business banking platform for SMEs, built around cash flow, KYC, and payments. IntelStack defined the operating model and engineered the platform for scale.

Scope of work
  • —Defined the SME operating model
  • —High-throughput APIs for onboarding and KYC
  • —AML checks, secure access control, and scalable infrastructure
Outcome
  • →Strong SME adoption
  • →Operational savings via automation
  • →Modular base enabling ongoing enhancements
Stack · Spring Boot· Kafka· Azure· MongoDB
Under NDA

More named references available under NDA.

Tier-1 banks, challenger banks, and fintech lenders across the UK and EU.

Request references
AI delivery · reported outcomes
03 Financial services · Series C, ~400 staff

Mosaic AI endpoint + MLflow registry, production decisioning

Production traffic ramp, week over week
Pilot Δ 11× Production
1 engagement
From pilot to prod
< 200ms
Decision latency
Built + wired
Evaluation harness
05 Commercial bank · Card fraud

Real-time card-fraud detection with explainable scoring

False-positive rate, before and after (indexed)
Prior rules engine 100
Adaptive model 55
Δ −45%
−45%
False positives
< 2s
Scoring latency
Explainable
Auditor confidence
06 Regional digital bank · Treasury

AI multi-currency reconciliation + liquidity forecasting

Reconciliation cycle time, before and after (indexed)
Manual process 100
AI-enabled engine 40
Δ −60%
−60%
Reconciliation time
Proactive
Liquidity posture
Improved
Multi-currency accuracy
07 Fintech lender · Credit decisioning

Explainable AI credit-risk modelling in production

Decision throughput ramp, indexed
Manual underwriting Δ 10× AI decisioning
10× faster
Loan approval time
+35%
Default prediction
Explainable
Decisioning
08 Tier-1 bank · AML

Graph link-analysis for AML investigation

High-risk counterparty clusters surfaced, by quarter
Δ Hidden links surfaced
−30%
Investigation cycles
Improved
High-risk detection
Strengthened
Audit readiness
09 Digital bank · Core operations

Explainable AI dashboard for core-banking operations

Operational-risk review time, before and after (indexed)
Opaque models 100
Explainable layer 70
Δ −30%
30% faster
Operational risk reviews
Improved
Regulatory compliance
End-to-end
Decision transparency
Leadership Track Record

Decades inside the institutions.

Programmes delivered by IntelStack leaders in prior roles, before the firm was formed — the pedigree behind the practice.

01
Lloyds Banking Group
Commercial bank modernisation · UK
Founder experience — prior to IntelStack

Commercial bank modernisation — Bank-in-a-Box rollout

Lloyds launched a multi-year modernisation to address fragmented technology stacks across its commercial banking arm. An IntelStack leader served as Systems Integrator on a modular Bank-in-a-Box rollout — re-platforming credit origination, onboarding, and relationship-management tooling into an API-first architecture.

Scope of work
  • —CRM integration, rules-based product engine, and workflow orchestration
  • —Phased rollout across business units using agile delivery pods
  • —Post-launch optimisation and regulatory assurance
Outcome
  • →Reduced onboarding times for mid-market clients
  • →Improved transparency and RM experience
  • →Laid groundwork for a modular digital layer still in use today
Stack · Salesforce· Mulesoft· Java microservices· Docker· Jenkins CI/CD· AngularJS
02
Yorkshire Building Society
Savings & mortgage modernisation · UK mutual
Co-founder experience — prior to IntelStack

Savings & mortgage platform modernisation

YBS, a mutual lender, set out to modernise its savings and mortgage systems while preserving member-first values and keeping change risk low. An IntelStack co-founder led an API-led re-architecture of onboarding, account servicing, and workflows.

Scope of work
  • —API-led re-architecture of onboarding, account servicing, and workflows
  • —Integration with CRM, orchestration, and channel systems
  • —Embedded low-code controls and phased delivery
Outcome
  • →Enabled secure self-serve and reduced operational friction
  • →Strengthened resilience and internal cross-team alignment
Stack · Mulesoft· Salesforce· Java· BPM tools· ReactJS
Discipline
Production-grade
Built for what runs, not what demos
Reach
UK · EU · India
Three regions, one delivery standard
Anchor
Databricks
Lakehouse · Unity Catalog · MLflow · in production
Compliance
ISO 27001
Certified — information security management
Banking & Financial Services

Modernise the bank.
Operationalise the AI.

Whether you need a platform, a squad, or a team to own the outcome — let's scope it.

Talk to the banking team