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Nuestra misión

Ayude a los innovadores
a implementar nuevos servicios financieros.

¿Para quién?

  • Arquitectos de tecnología financiera (FinTech) que crean o amplían servicios de pago o financieros
  • Gerentes de producto de empresas no fintech que incorporan servicios financieros integrados a sus plataformas o productos
  • Gerentes de producto en bancos y cooperativas de crédito que planean implementar nuevos canales de pago u otros servicios

Banca Segura

En Cumplimiento
y seguro

Los servicios financieros no pueden prosperar sin confianza.
Ayudamos a las empresas FinTech a verificar la seguridad y el cumplimiento de sus servicios.

  • Evaluaciones de seguridad: pruebas de pentest internos y externos.
  • Auditorías de aplicaciones web, móviles y en la nube. Mantenga la seguridad al incorporar LLM (IA).
  • Cumplimiento normativo: ayudar a crear políticas y procesos, y capacitar a los clientes.

Mantén Seguridad con IA

Incorpora LLMs
de forma segura

Le ayudamos a no comprometer la seguridad de sus operaciones bancarias al utilizar inteligencia artificial.

  • Abordar nuevas vulnerabilidades: Inyecciones de *prompt*, gestión insegura de los resultos, cadena de suministro, problemas de permisos, divulgación de información confidencial, agencia excesiva, complementos y agentes inseguros...
  • Utilizando marcos de seguridad reconocidos a nivel mundial: MITRE ATLAS, OWASP LLM Top 10, NIST LLM Framework

Crecer de Manera Eficiente

Seguridad y Cumplimiento Bancario

Seguridad y Privacidad de la IA

Seguridad y cumplimiento en banca e IA
>
Brainstorming icon

Fábrica de Ideas

Al inicio de un proyecto, ayudaremos a crear:

  • Escenarios de casos de uso
  • Análisis de brechas
  • Análisis de la competencia
Docs and Budgets icon

Especificaciones y presupuestos

Podemos ayudarte a escribir:

  • Especificaciones de requisitos
  • Declaraciones de trabajo detalladas
  • Previsiones presupuestarias
Docs and Budgets icon

Gestión de proyectos

Ayudamos a gestionar:

  • Planes de Trabajo.
  • Especificaciones de Requisitos para proveedores externos
  • Coordinación continua del proyecto y mantenimiento de los registros de incidencias.
Security Evaluation icon

Evaluaciones de seguridad

Entregamos:

  • Pentesting de caja negra, caja gris y caja blanca.
  • Análisis de aplicaciones web, móviles e infraestructuras en la nube para FinTech e IA.
  • Consulte nuestros servicios de evaluación aquí.
Quality Assurance icon

Pruebas y control de calidad

Entregamos:

  • Servicios de garantía de calidad y pruebas de software
  • Organización y coordinación de campañas de pruebas
  • Consulte nuestra gama completa de servicios de evaluación aquí.

What Can We Help With?...

Finanical Service building blocks

New services? New Territories?

Embedding new Financial Services?

Building a stand-alone FinTech?

We can help you:

  • validate or expand your service ideas
  • identify the gaps you may face to reach your goals
  • find the right / missing partners to complete your service
  • verify the security and compliance of your service(s) early on

You may need a number of building blocks and moving parts to achieve your goals because the ecosystem of Embedded Finance and FinTech is quite rich and complex: see below the many categories of operational partners we had to work with when helping other clients.

Embedded Finance Diagram

Embedding finance services in to your platform

Problems we can help with:

Your service platform in a non-financial sector (Healthcare, Proptech, Employment, Insurance, Human Resources etc.) needs to add account opening, deposits, savings, investments,  credit... to serve its clients better.
Your clients may also need specialty services like deposits and savings in excess of the current $250K FDIC insurance threshold.

However, most banks in the US can only provide a read-only Plaid-type access because they still have no or limited open banking APIs.

How:

  • Help you finalize your requirements
  • Direct you towards banks and identified service partners which we know have sufficient APIs and processes
  • Introduce you to specialized non-bank companies with ready-to-embed sets of services and components from our list of known possible vendors below
  • Organize Requests For Proposals, as needed

Moving Money Internationally

Problems we can solve:

Traditional business banks offer only a poor choice of international options for sending or receiving money across borders.

Meanwhile there are now a number of global platforms making use of stablecoins rails like Bridge,  BVNK, Zerohash, FlexOne...

How:

  • Doing a gap analysis specific to your money movement requirements
  • Identifying the appropriate technology and selecting applicable partners (including issuing formal Requests For Proposals), like Bridge, BNVK, ZeroHash, FlexOne and others listed below

Expanding into Europe

Problems we can solve:

You are not sure what to do about:

  • local licensing rules and opportunities: E-Money Institutions, Agents & Distributors
  • leveraging the PSD2 Open Banking standard as an AISP and/or PISP
  • the state of the local competition

How:

  • Help obtaining an Electronic Money Institution (EMI) Licence
  • Assist with an interim step to register as an Agent or Distributor of an existing regulated licensed EMI (this can be a quicker, cost-effective route to market, in the short term).
  • Help becoming a regulated Account Information Service Provider (AISP), or a Payment Initiation Service Provider (PISP) or both.
  • Assist with an interim step to become an Agent of a regulatory-approved PISP or AISP (this can also be a quicker, more cost-effective route to market for most clients in the short term).

See our explainer documents below about licensing and open banking in EU.

Illustration of Program Management

Build vs Buy Program Management?

Problems we can help solve:

You have the budget but not the resources to become your own Program Manager for a payment card issuance service. Yet, you want to deploy quickly.
The market used to have many Bank-as-a-Service ("BaaS") vendors offering turnkey solutions, but BaaS is no longer an acceptable deployment method for many banks.

How:

We can assist you in deploying the best solution for your situation by validating what you can best do "in house" versus buy from specialized vendors, since we have already helped with many card program management situations.

We will:

  • Validate your requirements and suggest a possible service architecture
  • Identify the most likely partner(s) which you should use, from our list of vetted partners below.
  • Help you get to contract with the required vendor(s), using RFPs if required.
Adding Innovation to a service platform

Adding Value through Innovation

Problems we can help solve:

You have become aware that you need to:

  • Identify high-value features,
  • Improve customer experiences,
  • Expand into adjacent markets,
  • and adapt business models to changing conditions.

However, your existing revenue streams, organizational complexity, legacy technology, and internal processes may slow the identification and development of new opportunities.

How:

We provide an external perspective to evaluate market dynamics, analyze competitive landscapes, identify emerging customer needs, assess technology trends, and uncover opportunities that may not be visible from within your organization.

We deliver:

  • Written results from SWOT, Gap, PEST, MoSCoW, and other relevant strategic tools.
  • Vetted introduction to relevant thrid parties from our list of industry contacts (see below), as appplicable

Skills

Decades of experience in open-loop payment systems. Regulations-friendly: we ask for permission, not for forgiveness. We innovate fast and iterate often. Get in touch ›

Your customers are your customers: we prefer if you come with your own designers and User eXperience specialists but we can also provide them upon request.

Consumer Payment SYstems

Regulations and Compliance
Innovation
User Experience Design

Principles:

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    Build services that can scale easily

  • Bullet item icon

    Avoid security and regulatory risks

  • Bullet item icon

    Help achieve consumer financial wellness

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Think Big

We seek innovations with scale which leverage existing networks.
We prefer to serve clients with large consumer audiences.

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De-Risk

We audit the data security of your service, including its A.I. components, and give guidance about compliance with main banking regulations.

Help others icon

Positive Impact

We follow guidance from advisory groups like Financial Health Network to ensure that products and services do the right thing.

Verificacion de Identidad

Puntuación de Crédito

Ahorrar

Subcuentas y monederos
Deposits beyond FDIC limit

acceso al crédito

desde Depósitos y Ahorros
Credit Warehousing

valor de vida del cliente

Fidelización y Comunicación

Configuración de Programas

Banco y Procesamiento
Program Management

pagos rápidos

Financiación Inmediata

Métodos de Pago

Coordinación

AI-Accelerated Engineering

Embeddable
Web Service Components

Seguridad de Datos

PCI-DSS, ISO27001, SOC-2

Eco-system
Integration

APIs, SDKs, MCPs

Virtualización

Nubes privadas / públicas

Patrice

Negocios y Regulaciones

Justin

Tecnología y Seguridad

algunos de nuestros clientes:

We Are a NACHA Affiliate

NACHA Affiliate Program Logo

We CONTRIBUTE TO:

NACHA Affiliate Program Logo

Las finanzas integradas y las fintech son ecosistemas muy ricos.

Bancos y socios operativos con los que podemos ponerle en contacto...

Bancas en EEUU
Academy  Bank, National Association, Bancorp, Bangor savings Bank, Blue Ridge Bank,  Central Bank of Kansas City, Coastal Community, Column Bank, Community  Financial Services Bank, Cross River bank, First National Bank of Omaha,  Green Dot Bank (DBA Bonneville Bank), Happen Bank, Lead Bank, Medallion Bank,  Metropolitan Commercial Bank, Pathward, Piermont bank, Quontic Bank, Regent  Bank, Republic Bank & Trust Company, Stride Bank, National Association,  Sunrise Banks, Sutton Bank, SVB, part of First Citizens Bank, The Bank of  Missouri, Thread Bank, Transpecos Banks, SSB, Transportation Alliance Bank, Inc. (dba TAB Bank), UMB Bank, WebBank
Acceso a / Verificación de cuentas bancarias
Aerosync  (part of Aeropay), Akoya, Finicity (Mastercard), MX, Plaid, Yodlee
Pago de facturas
ACI  Worldwide, Arcus, BillGo, Finovera-Payveris, PayNearMe, TabaPay
Red de recarga de efectivo
Green Dot, PayNearMe, VanillaDirect (Incomm)
Fabricantes e impresores de tarjetas
ABCorp,  ArrowEye, CPI, FIS, FiServ, Idemia, Valid
Card Networks (issuing incentives)
Discover, Mastercard, Visa
Gerentes de programas
Central  Payments, HighNote, Incomm, Lithic, NetSpend, Q2eBanking, Rittenhouse
Servicios de verificación de identidad
Alloy,  GBG  (formerly Idology), Jumio, Metamap  (formerly Mati), Onfido, Persona, Prove (formerly Payfone), ShuftiPro,  Socure, Trulioo, TruValidate, TransUnion, Zumigo
Calificación crediticia
Digifi,  eCredable, Equifax, Experian, iSoftPull, LendFoundry, Microbilt, TransUnion,  Urjanet
Administración y cobranza de créditos
PBC  Corp, Radius, Sutherland, TrueAccord
Línea de crédito para originación
Arcadia Funds, Silicon Valley Bank
Centros de llamadas y Atención al cliente
Abe (part of Envestnet), Beliveo, CustomerHD, EMScrm, TTEC, Ubiquity
Centros de datos
AWS,  Armor, Azure, Cloudflare, GCP, Lumen , RackSpace
Depósitos de dinero que superan el límite de la FDIC
Atomic  Invest, Column Bank, Cross Rover Bank, IntraFi, Landing Rock, ModernFi, R&T Deposit Solutions
DevOps como servicio
DataArt, DuploCloud
Cheques digitales
Checkbook.io
Acceso anticipado al salario
BranchApp,  Clair, CloudPay, DailyPay, Earnin, Finfit, Grit Financial, Instant, OnePay,  PayActiv, Proliant ReadyPay, Rain, Rapidpaycard, Tapcheck, Zayzoon
Detección de fraude
APS,  Certos (Early Warning), ChargeBack911, Sardine, Seon, Unit21
Verificación de ingresos
Atomic,  Argyle, Pinwheel, Citadel, Finch, Verix, Plaid, Truework
Servidores de respuesta de voz
Enacomm,  Twilio, Zendesk
Plataformas bancarias, de pagos y de tarjetas para emisores
Apto  Payments, Blend, BMTX, Central Payments, Episode 6, Finzly, Highnote, Lithic,  Modern Treasury, Railsr, Sila Money, Treasury Prime, Unit
Procesadores de transacciones con tarjeta
CoreCard,  FIS, FiServ, Galileo, I2C, Marqeta, NetSpend, Q2-Helix, Qolo, Rain, Synctera, Visa  DPS
Servicios de mensajería
SendBird,  Twilio
Captura remota móvil de depósitos de cheques
Deluxe,  FIS, FiServ, Ingomoney, Jack Henry, Mitek
Transferencias ACH y otras transferencias de dinero
Dwolla,  Early Warning, FedNow, IngoMoney, Moov, Orum, RTP, Stripe, Trustly
Apertura de cuenta bancaria
DigiFi,  GDSLink, Provenir
Envío de dinero
Dolex,  Golden Money Transfer, Intermex, MoneyGram, Pangea, Papaya, Remitly, Ria,  Sigue, Transfast, Transferwise, UAEXchange, ViaAmericas, Western Union, Wise, Worldremit
Rewards Platforms & Card-Linked Rewards
All Digital Rewards (ADR), Cardlytics, Kard, Lyalize, Wildfire
Software Design & Development
DataArt
SOC-2 / Compliance
Drata,  Johanson, Onetrust, SecureFrame, ThoroPass, Vanta
Stablecoins
Bridge,  BVNK, Rain, ZeroHash
Cajeros automáticos sin recargo
AllPoint, BrinksMoney, MoneyPass
Tokenización
Ixopay,  Skyflow, VGS
Herramientas y frameworks de interfaz de usuario
CafeX,  Digital Genius, Kasisto, Personetics
Illustration of Value Addes services on top of a platform

Leverage Numerous Opportunities to increase value

We can help you evaluate the following Value-Add Service Partners ...

Accounts Payable (AP) & Receivable (AR) Automation
Bill, Ripple Treasury, Routable
Credit Building & Financial Health Monitoring
Array, StellarFI Connect, Transunion Credit View
Credit Lending
Kanmon, Parafin, Pipe
Embedded Payroll
Gusto
Healthcare / Pharmacy
Careington GoodRx, HealthPerx, New Benefits
High-Yield Sweep Accounts
Airwallex, Column Bank, Cross River Bank, ModernFi, RT Deposit Solutions
Insurance
Mobile Telephony (MVNE + Prepaid TopUps)
1Global, DT ONe, eSIM go, Gigs, Oxio, Reloadly, Translatel
Money Management & Budgeting
Atomic, MX, Origin, Personetics, SaverLife
Rewards
All Digital Rewards (ADR), Carlytics, Kard, Loyalize, Wildfire
Tax Automation
Avalara
Wealth Management & Investing
Alpaca, DriveWealth

Nuestros servicios también pueden complementarse con...

ConexAmericas website screenshot
Visite el sitio web de ConexAmericas

Nos hemos unido a ConexAmericas, un grupo de ejecutivos experimentados con experiencia en el despliegue internacional de servicios financieros.

La misión de ConexAmericas es ayudar a los fundadores de empresas fintech y a los equipos respaldados por capital de riesgo a acceder a los mercados de EE. UU., Latinoamérica y la UE con menor riesgo, plazos más cortos y los socios adecuados.

Si la empresa FinTech que dirige o en la que ha invertido está considerando una expansión geográfica hacia o desde los Estados Unidos, el equipo de ConexAmericas puede ayudarle a validar su proyecto de crecimiento y a mitigar los riesgos asociados.

DataArt Logo

Why & what for ?

Financial Strides recommends DataArt if you need reliable software engineering resources with Fintech expertise to complement your own team. DataArt can also provide specialized IT help like DevSecOps services.
Financial Strides has partnered with DataArt for over 20 years to develop Fintech services and perform security audits.

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About

DataArt is a global software engineering firm that delivers breakthrough data, analytics, and AI platforms for the world’s most demanding organizations. As the partner for progress in the digital age, our world-class teams artfully design and engineer data-driven, cloud-native solutions that generate immediate and enduring business value. We combine global scale, deep technical expertise, and progressive vision with advanced R&D Labs, frameworks, and accelerators to solve our clients’ toughest challenges.

Since our founding in New York City in 1997, DataArt has grown to bring together 6,000+ experts across 40+ locations in the US, Europe, Latin America, India, and the Middle East, with clients including major global brands like Priceline, Ocado Technology, Legal & General, and Flutter Entertainment. Recognized as a 2023 Newsweek Most Loved Global Workplace and 13 times as an Inc. 5000 Fastest Growing Private Company, we are proud of our reputation as a great place to work and partner with.

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www.dataart.com

We will be happy to provide you an introduction to DataArt's management upon request.

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DuploCloud Logo

Why & what for?

We recommend DuploCloud if you don’t have a DevOps or DevSecOps team and need to achieve security and compliance quickly. DuploCloud also makes sense for DevOps teams that want to amplify their impact, reduce manual work, or scale without adding headcount.

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Tear Sheet

DuploCloud’s AI DevOps Engineer automates the full DevOps lifecycle. It handles infrastructure provisioning, CI/CD, troubleshooting, and compliance while accelerating time-to-market up to 10× faster through our intelligent, rules-based automation engine.
Developers and DevOps teams can focus on higher-value engineering work instead of managing pipelines, policies, and manual configurations.

You also gain access to fractional DevOps experts who support cloud operations, migrations, and modernization efforts to ensure secure and efficient growth.

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SERVICES

  • DevOps Automation & Operations
  • Cloud Migration & Modernization
  • CI/CD & Troubleshooting
  • PCI, HIPAA & SOC 2 Compliance

DuploCloud

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We will be happy to provide you an introduction to the management of DuploCloud upon request.

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Johanson Group Logo

Why & what for?

We recommend Johanson Group if you need an independent auditor to complete your SOC, ISO, HIPAA, GDPR, NIST, or PCI compliance.

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Services Overview

SERVICES

As a licensed CPA firm, Johanson can provide readiness assessments, examinations, and audits for your organization to achieve compliance.
Their team of experts will ensure your company meets all your necessary compliance framework controls, protecting both your business and your customers from data breaches and cyber threats and achieve compliance excellence.

Audit/Examination Services:

Cover picture of the Johanson SOC-2 Plan
SOC-2 Project Plan
  • SOC 1 /2 /3
  • PCI DSS
  • GDPR
  • CCPAI
  • SO/IEC 27001
  • ISO/IEC 27017/27018
  • HIPAA
  • NIST 800-53 & NIST 800-171
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Johanson Group

We will be happy to provide you an introduction to the management of Johanson upon request.

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Paykademy Logo

Why & what for?

We recommend PayKademy if you or your team needs a quick and convenient way to learn about Fintech related topics through remote courses.

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Cover of Paykademy Calatog of Courses
Catalog of Courses

Training Courses offered in:

  • Payments
  • Compliance
  • FinTechs & Startups
  • Blockchain
  • Artificial Intellligence applied to payment services

PayKademy can also provide its learning platform and its team as a private instance for small and large teams who want to have their own learning center.

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PayKademy

Get 10% discount on all quarterly or yearly PayKademy memberships with the discount code "finstrides". We will also be happy to provide you an introduction to the management of PayKademy upon request.

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Plaid Logo

Why & what for ?

Financial Strides recommends Plaid if you need to let your customers link to their existing bank accounts for purposes like:

  • Streamline the onboarding into your accounts
  • Funding your accounts from an existing bank account
  • Verifying banking status
  • Help authenticate your customers
  • Obtain financial data for credit underwriting purposes
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Make Digital Finance Possible

Plaid makes it easy for people to securely connect their financial accounts to the fintech services they choose. Plaid's developer-friendly platform supports over 12,000 financial institutions so the over 8,000 digital financial services built on Plaid can be accessible to everyone.

https://plaid.com/

LinkedIn Logo

If you intend to use Plaid services that are billed on an API‑usage basis (not the Pay-as-you-Go Plan), then we can help you get a 10% discount on your usage bills (not applicable to implementation, support, or other non‑API/one‑time fees).

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DRAFT
Scale Consulting Group Logo

Why & what for?

We recommend Scale Consulting Group if you need help in establishing a banking compliance service that will withstand bank and regulator scrutiny. Its principal, Rick Bachman holds several compliance certifications and has helped more than 100 FinTechs get into compliance. While Financial Strides can provide general regulatory guidance, Scale Consulting will provide detailed compliance services to precede or complement the work of your own Chief Compliance Officer.

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Scale Consulting can provide ad-hoc advice or help you build a Compliance Management System ready for scale:

​​

  • Development and integration of Compliance Management System (CMS) aligned with your business
  • CMS gap analysis
  • Development of key policies and procedures
  • Regulatory Risk and Control Self-Assessment
  • Design of automated compliance controls
  • Compliance testing and monitoring program development
  • Risk and compliance committee structure
  • Employee and/or board compliance training
  • Assist finding and vetting compliance candidates to join your team
  • Regulatory audit consultation
  • Vendor de-risking and management

scale.consulting

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We will be happy to provide you an introduction to Scale Group's management upon request.

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SecureFrame Logo

Why & what for?

We recommend SecureFrame if you need to achieve SOC-2 or ISO 27001 compliance.

Secureframe is a platform that can be used for automating all your security compliance requirements. The Secureframe platform enables organizations of all sizes to obtain and maintain SOC2 or ISO 27001 compliance with minimal time and effort through product integrations with 100+ core services such as AWS, Google Cloud, Azure, Github, JAMF, and Okta. The Secureframe platform continuously collects audit evidence, runs security awareness training, and monitors infrastructure — all automatically.

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Tear Sheet

This is done through automation built into the Secureframe platform that reduces manual work and they support this with their own in-house experts who are former auditors.

Key Features:

  • Automated Tests
  • Secureframe Training
  • Readiness Reports

Products:

  • Secureframe AI
  • Secureframe Comply
  • Controls Management
  • Automated Evidence Collection
  • Policy Management
  • Integrations

Risk Management:

  • Personnel Management
  • Access Management
  • Security Awareness Training

Vendor Security Reviews:

  • Third-party Risk Management
  • Trust Center
  • Questionnaire Automation

Supported Secureframe Frameworks:

  • SOC 2
  • ISO 27001
  • CMMC 2.0
  • FedRAMP 20x
  • HIPAA
  • PCI DSS
  • GDPR
  • NIST CSF 2.0
  • NIST 800-171
  • NIST 800-53
  • ISO 42001

SecureFrame

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We will be happy to provide you an introduction to SecureFrame upon request.

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