IT Solutions for Fintech & Financial Services

BaFin/MiFID-compliant software, API banking platforms and data-driven risk models for the financial industry.

Fintech software: balancing compliance and innovation

The financial sector faces dual pressure: regulatory requirements (BaFin, MiFID II, GDPR, DORA) on one side, innovation and digitisation on the other. BitPointer GmbH develops fintech software that unites both – from open banking APIs via scoring systems to automated compliance reports.

BaFin- & MiFID II-compliant software architectures & audit trails
API banking & open banking (PSD2, Open Finance, embedded finance)
Risk modelling, credit scoring & AI-powered analysis
Automated reporting: EMIR, MiFIR, Basel III, Solvency II
Fraud detection with machine learning
DORA readiness: IT resilience & incident management for financial institutions

Why BitPointer for fintech?

Regulatory expertise

We know the regulatory requirements in financial services: BaFin guidelines, MiFID II, PSD2, GDPR and the new DORA framework. Compliance is not an afterthought for us, but part of architectural decisions from day one.

Data analysis & AI

From real-time risk models via scoring algorithms to anomaly detection in payment traffic: we use machine learning and statistical models to turn financial data into real value.

API-first & open banking

Modern financial services are built on ecosystems. We develop robust, well-documented APIs (REST, GraphQL) according to open banking standards and enable secure third-party integrations via PSD2-compliant interfaces.

FAQ

Frequently asked questions about fintech & financial management software

DORA (Digital Operational Resilience Act) has applied since January 2025 to all financial institutions in the EU. Core requirements include: an ICT risk management framework, incident reporting processes, regular resilience tests (TLPT), third-party risk management and information sharing on threats. We help you build the technical foundations: monitoring, alerting, incident playbooks and audit trails.

PSD2 requires banks to give third-party providers (TPPs) access to account data (AISP) and payment initiation (PISP) via standardised APIs. We develop both the API interfaces on the bank side and the integration solutions on the third-party side – with OAuth 2.0/OIDC for secure authentication and Strong Customer Authentication (SCA) according to PSD2.

Yes. We develop fraud detection systems based on anomaly detection (Isolation Forest, autoencoder), supervised learning (XGBoost, neural networks) and rule-based systems. Critical factors are real-time scoring with low latency (<100ms) and model explainability (XAI) for compliance requirements under GDPR Art. 22.

Financial systems require multi-layered security: encryption in transit (TLS 1.3) and at rest (AES-256), HSM integration for key material, zero-trust network architecture, privileged access management (PAM), continuous auditing of all access and regular penetration tests by independent third parties. We follow BSI IT-Grundschutz and ISO 27001.

Yes. We develop automated reporting pipelines for regulatory obligations: EMIR transaction reporting to trade repositories, MiFIR/MiFID II reporting, BAIT documentation and Solvency II reports. Automation significantly reduces manual effort and minimises the risk of errors and fines.

Planning a fintech project or compliance solution?

Talk to our fintech experts about BaFin compliance, API banking or risk modelling – free of charge and without obligation.

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