Financial services technology
We build the systems
financial institutions
run on.
AI, data and software for banks, lenders, broker-dealers and insurers. Trusted advice, detailed architecture, and execution that respects your budget.
Where we work
Why Pangolin
We already know your domain.
Most consultancies have to be taught what a stipulation is, why a reconciliation break matters, or how an adverse-action notice differs from a decline. That education happens on your budget and your timeline.
We have shipped credit decisioning, document intake, operational data stores, core integration and regulated correspondence into production for lenders, banks, broker-dealers and insurers.
So discovery is short, the architecture reflects how regulated finance actually behaves, and the estimates hold, because we have built this before.
Sectors
Four sectors, one set of hard problems.
Unstructured documents at volume. Decisions that must be defensible. Systems of record you cannot casually replace. Regulators who expect you to show your work.
- 01
Banking
- Core banking integration and modernisation
- Payments, ACH and real-time rails
- Digital onboarding, KYC and AML
- 02
Lending
- Loan origination systems and portals
- Credit decisioning and scorecards
- Document intake, extraction and verification
- 03
Securities
- Order and trade lifecycle integration
- Clearing, settlement and reconciliation
- Market and reference data pipelines
- 04
Insurance
- Submission intake and quote preparation
- Underwriting data and portfolio views
- Policy administration integration
What we do
Capabilities
- 01
Fractional CXO
Senior technology and operations leadership on a cadence that fits your stage, from architecture decisions to the controls a regulator expects.
Learn more - 02
AI Solutions
Capture, assess, decide, assist. Practical AI across the financial services operating model.
Learn more - 03
Data Architecture & Analytics
Data foundations that make credit, underwriting and portfolio decisions faster and better evidenced.
Learn more - 04
Software Delivery
Senior teams that architect and ship financial software, from roadmap through production.
Learn more - 05
Business Automation
Take repetitive, error-prone process work out of the operating model.
Learn more - 06
Cloud Services
Move to the cloud deliberately, or get the cloud you already pay for under control.
Learn more
Selected work
Built and running
-
Specialty commercial lines carrier
AI Submission Processing
An LLM platform that reads insurance submission emails and attachments, then writes structured accounts into the policy administration system.
-
Managing General Agent (MGA)
Real-Time Underwriting Data
A real-time operational data store that gave an MGA a live view of its book at the point of underwriting decisions.
-
Insurance carrier
Outbound Communications Platform
Centralised document and email template management for quotes, policies, cancellations and renewal notices across a carrier's book.
-
Regulated mortgage and property fintech
Regulated Mortgage Platform
Fractional CTO for a regulated mortgage fintech, building the borrower mobile app and the platform behind origination and asset management.
Have a problem worth a conversation?
Tell us what you're trying to do. If we're not the right fit we'll say so, and usually point you at who is.