Fintech Software
Built for Compliance
Ready for Scale

Savvycom builds lending, payment, wallet and insurance platforms for fintech companies and financial institutions. Identity checks, audit trails and core system integration are designed in from the first sprint, not added before launch.

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Digital wallet app with a tokenized card and security lock, with results from Savvycom fintech projects

Trusted By 100+ Enterprise Clients

Trusted By 100+ Enterprise Clients

Results From Financial Systems in Production

These figures come from four Savvycom engagements: a Cambodian commercial bank, a Philippines digital lender, a Korean FX trading firm and a Korean tax firm. Each is a production deployment with a public case study, not a pilot.

60%+

Less manual identity verification

60%

Faster FX processing with AI agents

192

Branches served by one banking app

4,000+

Contracts migrated to a new finance system

Where Fintech Products Stall Before They Scale

Most financial products do not fail on features. They fail on the parts customers never see: verification queues, integration gaps and controls added too late.
  • Onboarding Loses Customers
  • Compliance Arrives After Build
  • Core Systems Refuse to Connect
  • Fraud Moves Faster Than Rules
  • Growth Breaks the Platform
  • Decisions Wait on Data
Onboarding Loses Customers
Manual identity checks take days while the application takes minutes. Applicants who wait leave, and the ones who stay cost a back-office review each.
“We approve a loan in minutes and then make the customer wait three days for a document check.”

Fintech Software We Build and Integrate

Four delivery areas cover a financial product from first login to regulatory report, each with a result from a production system and a public case behind it.

Digital Finance Product Development

192 branches on one app

Lending, payment, wallet, banking and insurance products built as native apps and web platforms, from customer onboarding to servicing.

Proof - mobile banking rebuilt on microservices for a Cambodian commercial bank serving 192 branches and 10,000+ staff.
Digital Finance Product Development
What we deliver
Digital lending & loan origination Payment & wallet apps Digital banking apps Insurance & claims portals

Core & Partner Integration

300K+ records migrated

API layers that connect new products to core banking, payment gateways, ATMs and partner services without replacing the core.

Proof - WSO2 API gateway linking core banking, mobile, ATMs, cash deposit machines and payment partners, with 300,000+ records migrated.
Core & Partner Integration
What we deliver
Core system APIs Payment gateway links Open banking & partner APIs Legacy data migration

Identity, Fraud & Compliance AI

60%+ manual verification

Identity verification, fraud screening and document processing that keep people on exceptions only, with every decision logged.

Proof - AI eKYC for a Philippines digital lender, cutting onboarding time by more than 50% without adding headcount.
Identity, Fraud & Compliance AI
What we deliver
eKYC & liveness detection Fraud & anomaly screening Document intelligence Audit trail & reporting

Data Platforms & Operations AI

60% FX processing time

Data platforms, risk analytics and AI agents that put decisions where the work happens, then managed services that keep them running.

Proof - five AI agents handling FX quotes, settlement rules and trade execution for a Korean trading firm, live in three months.
Data Platforms & Operations AI
What we deliver
Data platforms & reporting Credit & risk analytics AI agents for operations Managed services & monitoring

Where AI Pays Off First in Financial Services

AI earns its place where volume is high and every case is still checked by hand. These are the four places fintech teams put it to work first, and what changes when they do.

Onboarding & KYC Automation

Every new customer waits on a manual document check, and every reviewer handles cases that a model could clear.

Customer approving an identity check on a smartphone
How AI helps
  • Reads and validates ID documents in seconds
  • Matches faces and detects liveness spoofing
  • Routes only flagged cases to human review
  • Logs every decision for audit

Fraud & Transaction Monitoring

Static rules catch last year's fraud and flood analysts with false alarms, while new patterns pass through.

Security verification on a touchscreen
How AI helps
  • Scores transactions against behavior, not fixed rules
  • Flags anomalies across accounts and logins
  • Prioritizes cases by risk for investigators
  • Keeps sanctions and watchlist screening current

Credit Decisioning & Collections

Applications are assessed from incomplete data, decisions take days, and collections start too late to matter.

Team reviewing lending dashboards on laptops
How AI helps
  • Extracts income and expense data from statements
  • Scores applications with explainable models
  • Predicts early-warning signs of delinquency
  • Prioritizes collection outreach by likely outcome

Customer Service & Operations Agents

Contact centers answer the same account, loan and claim questions by hand, and back-office approvals sit in email.

AI assistant posting rates and approvals inside a team chat
How AI helps
  • Answers inquiries with context from your systems
  • Hands off to an agent with the conversation summary
  • Executes approvals inside chat with role checks
  • Writes the audit trail automatically

AI Solutions Ready for Finance

Four AI solutions from Savvycom's catalog already run inside financial workflows. Each starts from a tested base and is adapted to your products, rules and systems.

Intelligent eKYC

Intelligent eKYC

Document capture, OCR, face matching, passive liveness and duplicate checks in one flow. Only exceptions reach human review. Up to 80% less manual verification effort.

Document Intelligence

Document Intelligence

Reads bank statements, forms, claims and contracts, printed or handwritten, with confidence scores and a full audit trail. Up to 70% less manual data entry.

Conversational AI

Conversational AI

Account, loan, card and claim inquiries answered with context from your systems, with agent handoff and compliance guardrails. Up to 60% faster response and resolution.

Financial AI Agents

Financial AI Agents

Multi-agent workflows for quotes, settlement rules, approvals and audit search inside the tools teams already use. 60% faster FX processing, in production.

Why Fintech Teams Choose Savvycom

16+ years and 100+ enterprise clients, financial services delivery across five markets, AI already live in financial workflows, and recognition as one of Vietnam's leading fintech companies.

Financial Services Delivery Record

  • Banks, lenders, payment, insurance and trading clients across Cambodia, the Philippines, Korea, Thailand and Australia
  • Named a TOP 10 Fintech Company in Vietnam in 2024, with ISO 27001 and ISO 9001 certified delivery
  • Public case studies with named metrics from production systems, not pilots

AI Already Live in Financial Workflows

  • AI eKYC with liveness detection in production for a digital lender
  • Five-agent FX assistant from project start to go-live in three months
  • Solution catalog covering onboarding, documents, customer service and operations

Platforms and Partners for Banking-Grade Builds

  • Core banking platform partners including Mambu and Backbase
  • Cloud delivery on AWS, Google Cloud and Azure environments
  • Offices in Hanoi, Seoul, Sydney, Singapore, Bangkok, Tokyo and the US for working-hour overlap
TOP 10 Fintech Company in VietnamAward 2024Read the news →
ISO/IEC 27001Information security management
ISO 9001Quality management system

Fintech Software Development FAQs

Answers for product and technology leaders evaluating a fintech software development partner.

What kinds of fintech software does Savvycom build?

Savvycom builds digital lending and loan origination systems, payment, remittance and wallet platforms, digital banking products, insurance platforms and claims portals, digital asset custody and exchange systems, and finance back-office systems. Each product is delivered with identity verification, core system integration and audit trails designed in, and can be extended with AI for onboarding, documents, customer service and operations.

How does Savvycom handle KYC, AML and data protection requirements?

Regulatory requirements are mapped in discovery and become part of the architecture record, not a pre-launch checklist. Savvycom is certified to ISO 27001 and ISO 9001. KYC and AML workflows, PCI DSS requirements for card data, GDPR and PDPA for personal data and open banking API standards are built into the product and tested before release, with audit trails on every decision.

Can Savvycom integrate with our core banking system, payment gateway or partner APIs?

Yes. Integration is one of Savvycom's four fintech delivery areas. For a Cambodian commercial bank, Savvycom built a WSO2 API gateway connecting the core banking system, the mobile channel, ATMs, cash deposit machines and payment partners, and migrated more than 300,000 records. The same approach applies to payment gateways, credit bureaus, open banking APIs and partner services.

How long does a fintech product take, and how do we start?

Timelines depend on scope, integrations and regulatory requirements, so Savvycom scopes after discovery rather than before. Every engagement runs through the same stages: advise, build and integrate, AI-enable, operate. As a reference, a five-agent AI assistant for FX operations went from project start to go-live in three months. Within 24 hours of the first call, a solution architect returns a scope outline, the compliance requirements that shape the architecture, and a realistic timeline.

Where does AI pay off first in financial services?

In the workflows where volume is high and every case is checked by hand: customer onboarding, document processing, customer service and operational approvals. In production, Savvycom's AI eKYC cut manual verification workload by more than 60% and onboarding time by more than 50% for a Philippines digital lender, and a multi-agent FX assistant cut processing time by 60% for a Korean trading firm.

Who owns the code, and where does our data live?

The client owns the source code, documentation and intellectual property delivered under the engagement. Systems can run in the client's own cloud accounts or hybrid environments; production AI systems delivered by Savvycom have run on client-side AWS and Azure environments. Documentation and code review are delivery gates, so no module depends on one person, and an NDA is available before the first conversation.

Does Savvycom work with banks as well as fintech companies?

Yes. Savvycom works with fintech companies, lenders, payment and insurance providers, and with banks building digital products. Banks modernizing mobile and internet banking can also see the dedicated Digital Banking Solutions page, and companies launching a wallet product can see the E-Wallet Development page.

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