arrow_circle_right Financial services

Consulting and technology for fintech and payments

Build scalable, compliant fintech products without slowing delivery or creating long-term technical debt.

Fintech and payments. Smartphone completing a contactless payment through fintech app.

Fintech & payments sectors

The best fintech products aren’t just technically brilliant they’re compliant and scalable. We work with ambitious fintechs and established payments businesses to build the infrastructure, products, and compliance frameworks they need to move fast without creating debt they’ll spend years paying off. 

Payments

Savings & WealthTech

Digital Assets

Loyalty

Infrastructure

arrow_circle_right Why it matters

Challenges we help you tackle

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PCI DSS, PSD2/3, and FIDA compliance requirements are essential, but technically demanding.
engineering
Finding developers who understand financial concepts – not just APIs – is hard.
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Scaling from product-market fit to enterprise infrastructure requires architectural decisions you need to get right the first time.
api
Emerging technologies – such as Open Banking APIs, digital assets, and real-time payments – offer significant growth opportunities, but successful adoption requires teams with real-world integration experience.
Developers Coding Fintech App on Desktop Computers With Multiple Monitors. Core fintech product development

arrow_circle_right Our consulting and technology services

Core fintech product development

  • Payment applications and e-wallets – secure, feature-rich solutions with full transaction history and built-in wallet protection.
  • Money-saving and wealth applications – intelligent personal finance that automates savings and helps users better understand spending behaviour.
  • Multitenant payment platforms – white-label, scalable architectures handling high transaction volumes.
  • Mobile-first engineering – iOS and Android development built to meet the standards modern users expect.
A person reviewing their financial balance and statistics on a mobile banking or investment app dashboard. Infrastructure, cloud and compliance

Infrastructure, cloud and compliance

  • PCI DSS compliance and security – baking security into the code from day one.
  • Cloud-native architecture and CI/CD – continuous deployment without downtime.
  • Technology leadership consulting – stack selection, architecture reviews, and scalability planning.
Broker or investor using tablet to screen graphs of trading stats. Connectivity and advanced integrations

Connectivity and advanced integrations

  • Payment gateway integrations – connecting to global and local PSPs for seamless payment flows.
  • Open Banking and PSD2 integrations – expanding your ecosystem through third-party banking APIs.
  • Digital asset and cryptocurrency integrations – bridging traditional finance and digital asset ecosystems.
  • AI chatbots and voicebots – automating onboarding and customer support conversations.
Young candidate getting a job offer. Strategic outsourcing and team building

Strategic outsourcing and team building

  • Self-sufficient product squads – Product Owners, DevOps engineers, Developers, and QA specialists taking full ownership of delivery.
  • Specialised fintech recruitment – engineers who are experienced in regulated financial environments and understand the realities of payments, trading, and banking protocols.
  • Flexible team extension – from a single specialist to a full feature team, scaling with your funding rounds.

arrow_circle_right Key facts

psychology

2,000+

engineers across the Spyrosoft Group

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300+ clients globally

including 10+ major financial institutions

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Listed on the Warsaw Stock Exchange

$167M USD revenue in 2025

policy

Compliance with standards

FCA, EBA, DORA, GDPR, PCI DSS

arrow_circle_right Certificates

arrow_circle_right Our team

Meet our experts

Michał Kaleta

Michal Kaleta

Director of Financial Services

Communication transparency helps to solve many problems

I am an IT manager with 15 years of professional experience in developing and managing IT solutions in an international environment and with remote teams. Most of my professional path was related to software development, IT service management and technical customer support, however for last years I have been focusing on building offering and business strategy execution.

In my daily work, I focus on clients’ needs and partnership relations. I value transparent communication in achieving goals and in actions. At Spyrosoft, I’m responsible for building and growing the Financial Services offering and delivery of financial solutions.

Michal Juchnowicz Spyrosoft

Michal Juchnowicz

Managing Partner, Financial Services

Deep domain expertise is the foundation of client trust

With over 20 years in financial markets, I specialise in the functional and technical architecture of trading and banking solutions spanning Front-Office, Back-Office, and Accounting.

I’ve delivered analytical, advisory, and implementation projects for Polish and international banks and financial institutions, and led RFP processes to help clients identify and select the right vendors for their target systems.

Much of my work has centred on Calypso, a leading cross-asset trading and risk management platform. I’ve led its implementation in several Polish banks, building one of the deepest hands-on specialisations in the platform in Europe.

At Spyrosoft, I co-lead the Financial Markets area and drive the growth of our global partnership with Nasdaq, helping clients turn complex capital markets challenges into practical, scalable solutions.

Piotr Tadych Spyrosoft

Piotr Tadych

Managing Partner, Financial Services

Capital Markets and Treasury Transformation has been my focus for over 20 years, working with banks and financial institutions to drive complex change from strategy through to delivery.

During nearly nine years at Accenture Poland, I led advisory and implementation engagements across Poland and Europe, covering TMS market analysis, RFI/RFP processes, target architecture design, and full-scale implementations of Calypso and Kondor+/K+TP, including cloud deployments on Microsoft Azure.

Before that, I spent over six years at Raiffeisen Polbank managing the IT project portfolio for the Risk, Finance, and Treasury domain. I started my career at Lufthansa Systems Poland, building expertise in regulatory reporting for banks in Poland, Ireland, and Luxembourg.

At Spyrosoft, I bring together deep domain expertise and hands-on delivery experience to help clients take on the financial transformation programmes that matter most.

Krystian Karwowski Spyrosoft

Jakub Trocha

Managing Partner, Financial Services

For more than two decades, I have been involved in IT system implementation, integration and technology consulting for the banking and financial sector. Throughout my career, I have delivered projects for leading financial institutions across Poland and Europe, supporting complex transformation initiatives across both business and technology domains.

My experience combines engineering expertise with a consulting background, allowing me to bridge the gap between technology and business needs. I focus on delivering solutions that create measurable business value.

arrow_circle_rightContact

Interested in collaborating with us?
Get in touch!

Michał Kaleta

Michal Kaleta

Director of Financial Services

+48 517 944 920