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Fintech Innovation Services

Where financial ideas turn into secure, scalable, compliant products.

Airtree helps fintechs, banks, and digital-first players build and launch modern financial experiences from embedded finance to digital wallets, payment flows, lending journeys, and API-driven ecosystems.

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What Airtree Delivers for Fintech

Product Design & Architecture Consulting

Turn your fintech idea into a technically sound, regulatory-aligned solution.
  • Product flows (onboarding, lending, payments, verification)
  • API design and service interactions
  • Data models and security layers
  • Integration requirements
  • Scalability and compliance considerations

Outcome: A fintech blueprint that is buildable, compliant, and scalable.

API Integration & Ecosystem Connectivity

Modern fintech relies on robust connectivity. Airtree integrates your product with:
  • Banking partners
  • KYC/AML providers
  • Payment gateways and processors
  • Credit bureaus
  • Card networks
  • Lending and underwriting services
  • Risk and fraud engines

Outcome: A unified, seamless fintech experience ready for customers.

Embedded Finance Enablement

Help merchants, platforms, and digital businesses incorporate financial services directly into their experiences.
  • Embedded payments
  • Embedded lending
  • Embedded KYC
  • Merchant onboarding
  • Payout flows & settlements

Outcome: Additional revenue streams with smoother customer journeys.

Digital Wallets & Payment Flows

Airtree assists in designing and implementing compliant digital payment experiences.
  • Wallet setup & ledger alignment
  • UPI, card, and payment gateway integration
  • Tokenization and security workflows
  • Refunds, reversals, and settlement flows
  • Merchant & customer payment journeys

Outcome: Faster transactions with strengthened user trust.

Lending & Credit Journey Setup

For fintechs launching lending or BNPL-style products, Airtree provides support across:
  • Eligibility logic
  • Document capture & verification
  • Underwriting rules
  • Repayment & collections workflows
  • Bureau checks & scorecard integration
  • Compliance-aligned communication flows

Outcome: A complete, defensible lending lifecycle.

Compliance-Aligned Product Buildout

Fintech innovation is meaningless without regulatory confidence.
  • KYC/AML workflow design
  • Transaction monitoring setup
  • Policy-to-process mapping
  • Risk scoring logic
  • Documentation for audits and partner onboarding

Outcome: Products that launch faster and pass partner due diligence.

The Fintech Reality

Innovation is fast. Compliance is strict. Competition is intense.

Fintechs today must ship quickly without compromising reliability, security, or regulatory readiness.

 Airtree supports this balance by providing technology enablement, integration services, compliance-aligned workflows, and scalable architectures that help fintechs go from concept to live product confidently.

Why Fintechs Partner With Airtree

Speed With Stability

Get to market faster without compromising compliance or architecture.

Deep Domain Knowledge

Experience across payments, lending, onboarding, and digital banking.

Partner-Ready Integrations

Banks and regulators expect maturity. Airtree helps achieve it.

Scalable, Modular Approach

Build products that can grow with increasing transaction volumes.

Vendor-Agnostic Engineering

We work with any banking partner, provider, or compliance tool.

Where Airtree Makes an Impact

For Fintech Startups

MVP design and technical architecture
Rapid integration with banking partners
Launch support & early compliance readiness

For Banks & Credit Unions

Embedding fintech offerings
Open banking integrations
Creating partner ecosystems

For Digital Businesses

Offering credit, payments, or financial features
Embedded journeys with minimal operational overhead

Strengthen your compliance operations with confidence.

Speak to Airtree’s Financial Crime & Compliance specialists.

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