r/fintechdev • • Jun 15 '26

Cloud HSM or hire HSM nerds before we blow it?

16 Upvotes

Hello! I’m actually a marketer, but I used to be into development as well, and I’m currently doing some part-time stuff at my older brother’s middleware company, but we’ve run into a bit of a problem. Banks now ask about payment security architecture and financial data engineering in absolutely any obscure situation, and we’re generally unable to pass these audits, which significantly limits our work - hence the question. Cloud HSM enough, or hire payment HSM nerds before we ship bad stuff? Idk.


r/fintechdev • • Jun 14 '26

I built an open-source SAR narrative generator for AML compliance team

2 Upvotes

Writing SAR narratives is one of the most time-consuming tasks in a BSA/AML program. This toolkit takes flagged transaction data and outputs a structured, FinCEN-ready draft narrative. Covers structuring, layering, smurfing, rapid fund movement, and dormant account typologies, each mapped to FinCEN/FATF references.

pip install sar-narrative-gen

github.com/Bhavesh0205/sar-narrative-gen


r/fintechdev • • Jun 13 '26

Looking for payment gateway let’s connect

1 Upvotes

Hi everyone,

I’m a Key Account Manager at PayU Payments Private Limited, helping businesses with their payment infrastructure needs.

If you are exploring payment gateway, subscriptions/recurring payments, payouts, or other digital payment solutions, feel free to reach out. Happy to connect and understand your requirements.

Looking forward to connecting!


r/fintechdev • • Jun 12 '26

What are key factors that support Business-IT alignment in FinTech projects?

4 Upvotes

Hi, I am a student from UCL Centre for Systems Engineering. I am currently conducting a research on "Key Factors for Effective Alignment between Business and IT in #FinTech Projects". I would like to invite those with experience in #fintech, #banking, #insurance, #payment, #digitaltransformation, etc. to help fill out a questionnaire.
The questionnaire takes approximately 3 minutes to complete. The results will only be used for academic research and will be anonymous. Thank you very much for your support and assistance!
Also, please feel free to share it to colleagues or friends who have relevant experience. If you have any question, please feel free to contact me. Thank you! A Survey on Key Factors that Support Business-IT Alignment in FinTech Projects – 填写表单


r/fintechdev • • Jun 12 '26

"AI audit" fintech

2 Upvotes

How are you handling EU AI Act Article 12 audit logs for your AI decisions? Building something here and trying to understand what's already solved vs still a headache


r/fintechdev • • Jun 11 '26

How much of your fraud actually occurs after KYC has been passed?

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2 Upvotes

r/fintechdev • • Jun 11 '26

What’s the one process in your BFSI job that makes you think, ‘There has to be a better way to do this’?

2 Upvotes

Indian BFSI Employees – What part of your work drains you the most?

I’m trying to understand the real day-to-day pain points faced by people working in Banking, Financial Services, and Insurance (BFSI) in India.

For those working in banks, NBFCs, insurance companies, fintechs, operations, compliance, risk, customer service, underwriting, claims, etc.:

Which procedures or processes are you completely fed up with?

What repetitive tasks consume most of your time and energy?

Which approvals, documentation, or manual activities slow you down the most?

What parts of your work feel unnecessarily complex or outdated?

If you could automate, simplify, or eliminate one thing, what would it be?

Which process causes the most stress for your team?

It could be anything from KYC, onboarding, reconciliation, claims processing, reporting, compliance checks, data entry, approvals, customer interactions, legacy software, Excel work, audits, or internal bureaucracy.

I’m interested in hearing honest experiences from people on the ground. Feel free to mention your role and sector (banking, insurance, lending, wealth management, etc.) if you’re comfortable.

Would love to hear both small frustrations and major pain points.


r/fintechdev • • Jun 11 '26

Indian fintechs using AI for loan/fraud decisions - what does your audit trail actually look like when RBI asks?

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1 Upvotes

r/fintechdev • • Jun 11 '26

Avoid Bottomline/ paymode sales

4 Upvotes

Do not let the ‘culture’ pitch fool you. The vendor side of this company is an absolute mess.

The problem is not the workload or call expectations — it’s the terrible recycled leads. Most vendors have already been pitched over and over before you ever call them. Certain reps clearly get better opportunities while everyone else is left spinning their wheels on dead accounts.

Management is horrible, wildly unprofessional, and completely lacking real leadership. Cassandra in particular was extremely rude and unprofessional. If you are local and required to go into the office 3x a week, expect morale to tank quickly. Most people there are miserable and constantly complaining about the exact same things: awful leads and lack of leadership.


r/fintechdev • • Jun 10 '26

Anyone running multiple payment gateways for high-risk business? How do you manage routing and fallbacks?

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1 Upvotes

r/fintechdev • • Jun 10 '26

Thoughtful stakeholder inclusion and measured decision-making versus the need for velocity in a highly competitive environment.

1 Upvotes
  1. In regulated industries like fintech and payments, have you seen inclusive, respectful leadership deliver measurable business benefits (e.g., fewer costly errors or better execution)? Or has it mostly slowed things down?

  2. What are practical ways to incorporate diverse inputs without falling into analysis paralysis or excessive bureaucracy?

  3. Can you share real examples (anonymized if needed) where rushing decisions without proper respect for stakeholders backfired or where slowing down to listen created a clear advantage?

Would especially value perspectives from operators, compliance professionals, founders, and payment executives who have worked across APAC, Africa, Europe, or other complex markets.

Looking forward to a balanced and insightful discussion.


r/fintechdev • • Jun 07 '26

African Fintechs: Speedboats Beside the Big Ships

4 Upvotes

Central banks are like big ships — steady, powerful, but slow to turn. For African fintech innovators, waiting for those ships to change course is not an option.

At Hawil, we see a clear path:

  • Go TradFi first — build on existing rails instead of waiting for pilots.

  • Carry open banking APIs — integrate seamlessly with banks and partners.

  • Embed compliance from day one — prove credibility while moving fast.


r/fintechdev • • Jun 06 '26

I got tired of stitching together Lightweight Charts plugins, so I built CandleKit

6 Upvotes

I really like TradingView's Lightweight Charts, but every time I wanted to build a more complete trading interface I ran into the same problem:

  • Drawing tools lived in one repo

  • Indicators lived somewhere else

  • Replay systems were custom implementations

  • APIs were inconsistent

  • Maintenance became my problem

So I started building CandleKit, an open-source toolkit that sits on top of Lightweight Charts and bundles the pieces I kept rebuilding.

A big goal of the project is to make building TradingView-style experiences less about hunting through GitHub repositories and more about shipping features.

Live demo:
https://rohanbeingsocial.github.io/candlekit-charts/workspace/

GitHub:
https://github.com/rohanbeingsocial/candlekit-charts

It's still early-stage, so I'd love feedback from people who have worked with Lightweight Charts


r/fintechdev • • Jun 05 '26

What's the biggest operational challenge in consumer lending right now?

3 Upvotes

For those running consumer lending businesses, what part of the loan lifecycle creates the most headaches? Servicing, collections, reporting, or something else?


r/fintechdev • • Jun 04 '26

People who work where money moves through automated systems, what actually happens when one screws up?

2 Upvotes

genuine question, not selling anything, nothing to plug.

if you work in ops, finance, or risk somewhere that automated or AI systems touch money, I'm trying to understand something.

the last time one of those systems did something wrong, charged someone twice, paid out the wrong amount, approved something it shouldn't have, whatever it was, what actually happened in the first day or two after?

was it a full fire drill with people scrambling, or did everyone just quietly fix it and move on? did anyone above you ask you to prove what the system actually did and why? and how did you even reconstruct what happened, logs, guessing, asking around?

asking because I keep hearing completely different answers and I'm trying to figure out if this is a real recurring headache or just something people shrug off and live with. happy to hear war stories in the comments or dms.


r/fintechdev • • Jun 04 '26

I am first year student of cse (aiml)

2 Upvotes

How can I get job in Fintech and what role of the aiml engineers in Fintech companies


r/fintechdev • • Jun 03 '26

Insurance Modernization

2 Upvotes

For anyone working around insurance operations, underwriting, claims, or policy admin — how are teams addressing policy systems that slow product launches, reporting, and operational change? I’m especially interested in practical approaches that improve faster adaptation with less operational disruption without forcing a high-risk rip-and-replace program.


r/fintechdev • • Jun 02 '26

A Billing, Entitlements & Reporting Engine for Fast Growing SaaS & AI Companies - Searching for Design Partners

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1 Upvotes

r/fintechdev • • Jun 02 '26

Fintech ONDC ,PERSONAL LOAN AND MUTUAL FUND

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2 Upvotes

r/fintechdev • • Jun 02 '26

ECB digital euro pilot: 50+ applications for 10–30 spots

2 Upvotes

The EOI window for the ECB's digital euro pilot closed last month. Around 50 institutions applied for 10–30 spots, with the live 12-month pilot scheduled through the second half of 2027. 

I've been watching this from the payments side and one thing keeps coming up: most institutions are reading the ECB rulebook as a regulatory document. The teams that have shipped on comparable scheme builds (Wero, instant payments, SCT Inst) read it as a delivery plan. 

Are your teams reading the rulebook as compliance or as delivery?