Digital Products for Financial Services

We design and engineer financial products across payments, banking, lending and wealth from customer experiences and adviser platforms to the workflows, integrations and operational systems behind them.

Digital Products for Financial Services

Our Services

Fintech & wealth product development

Our work covers the product experience and the systems around it. Each engagement is shaped around your customers, operating model, existing technology, financial ecosystem and the first release that needs to reach production.

Our Services

Fintech & wealth product development

001 Investor web & mobile

Build customer-facing products for portfolio visibility, financial planning, transactions, cash, documents, secure communication and ongoing engagement.

001 Investor web & mobile

Build customer-facing products for portfolio visibility, financial planning, transactions, cash, documents, secure communication and ongoing engagement.

002 Product discovery & flow design

Map the journey from prospect to invested client. Define users, decisions, states, dependencies and the product scope that should reach production first.

002 Product discovery & flow design

Map the journey from prospect to invested client. Define users, decisions, states, dependencies and the product scope that should reach production first.

003 Client onboarding & KYC

Design account opening around identity, KYC, suitability, risk profiling, document collection, verification outcomes and manual review, including the states between pass and fail.

003 Client onboarding & KYC

Design account opening around identity, KYC, suitability, risk profiling, document collection, verification outcomes and manual review, including the states between pass and fail.

004 Adviser & investment platforms

Give advisers and investment teams the workspace to understand clients, construct portfolios, review performance, manage recommendations and act on exceptions.

004 Adviser & investment platforms

Give advisers and investment teams the workspace to understand clients, construct portfolios, review performance, manage recommendations and act on exceptions.

005 Design systems & accessibility

Create a shared product language across design and engineering, with the data-heavy financial components, interaction patterns and accessibility requirements wealth products demand.

005 Design systems & accessibility

Create a shared product language across design and engineering, with the data-heavy financial components, interaction patterns and accessibility requirements wealth products demand.

006 Analytics & operational tooling

Instrument journeys, understand drop-off and give operations teams the context needed to resolve onboarding, portfolio, transaction and client-service issues.

006 Analytics & operational tooling

Instrument journeys, understand drop-off and give operations teams the context needed to resolve onboarding, portfolio, transaction and client-service issues.

Wealth workflows

Financial products are connected systems.

A financial product is more than a customer interface. We design the connected workflows across customers, financial decisions, transactions, data and operations with deeper expertise across wealth and investment products.

Acquire

Build digital acquisition journeys that connect lead capture, qualification, financial discovery and conversion.

Onboard

Create secure onboarding experiences across identity verification, suitability, KYC/AML, documentation and account opening.

Plan & Invest

Web, mobile, APIs, background work and the integrations that hold the product together.

Manage & Grow

Support ongoing relationships through portfolio monitoring, rebalancing, reporting, advice and continuous engagement.

Manage & Grow

Support ongoing relationships through portfolio monitoring, rebalancing, reporting, advice and continuous engagement.

What sits underneath

Great wealth experiences run on strong systems.

We work across the customer layer, adviser workflows, data and integrations, and the operational tooling required to keep the product moving.

Client experience

Make complex financial information understandable and actionable. - Portfolio & performance - Goals & financial planning - Cash & transactions - Documents & communication

Adviser workspace

Give advice teams the context and controls to serve clients efficiently. - Client 360 - Planning & recommendations - Tasks & reviews - Portfolio actions

Investment workflows

Connect decisions to the investment process. - Model portfolios - Allocation & rebalancing - Orders & execution - Performance & attribution

Data & integrations

Work with the ecosystem rather than pretending it does not exist. - Custodians & brokers - Market & reference data - CRM & planning systems - Identity & document providers

Operations

Build the internal product alongside the customer product. - Exceptions & approvals - Reconciliation - Case management - Audit trails & reporting

Intelligence

Use AI where it improves a real financial workflow. - adviser assistance - Document intelligence - Portfolio insights - Human-reviewed automation

Why choose Gunpowder Innovations for fintech product design & development?

Four commitments, each with the thing it costs us to hold to it. In a regulated product the trade-offs a team accepts matter more than the screens in its portfolio.

The engineers who scope the work build the work.

You own the source code from the first commit.

We design the failure states before the happy path.

Compliance sits in the design review, not at the end of it.

• 04

The engineers who scope the work build the work.

No handover from a pre-sales team to a delivery team. The person who tells you what the work will cost is the person who then has to make that estimate true.

Costs us: we cannot start faster than we can staff, so we turn down work that needs a squad this month.

Discuss Your Project

Why choose Gunpowder Innovations for fintech product design & development?

Four commitments, each with the thing it costs us to hold to it. In a regulated product the trade-offs a team accepts matter more than the screens in its portfolio.

The engineers who scope the work build the work.

You own the source code from the first commit.

We design the failure states before the happy path.

Compliance sits in the design review, not at the end of it.

• 04

The engineers who scope the work build the work.

No handover from a pre-sales team to a delivery team. The person who tells you what the work will cost is the person who then has to make that estimate true.

Costs us: we cannot start faster than we can staff, so we turn down work that needs a squad this month.

Discuss Your Project

Compliance with laws and standards, guaranteed

When partnering with Gunpowder Innovations, your digital initiatives meet the highest quality, security and regulatory standards without slowing down the work.

ISO 9001

Ensures consistent quality management and reliable banking software delivery.

PCI DSS

Protects payment card data and secures financial transactions.

ISO 27001

Strengthens information security and reduces cybersecurity risks.

GDPR

Protects customer data and ensures privacy regulation compliance.

ISO 20022

Standardizes financial messaging between banks and payment systems.

PSD2

Enables secure open banking and regulated third-party integrations.

What sits underneath

Great wealth experiences run on strong systems.

We work across the customer layer, adviser workflows, data and integrations, and the operational tooling required to keep the product moving.

Investor - See the financial picture

Portfolio value, performance, goals, risk, documents, activity and the next action, presented around the client's context.

Adviser - Act on the financial picture

Client context, planning, recommendations, portfolio actions, reviews and communication in one workflow.

Growth-Focused Innovation

We continuously evolve our platform to help businesses scale efficiently, anticipating needs before they become problems.

One new customer, seven layers

On the roadmap it is one sign-up. Underneath it is seven handovers between your app, your partners and your ledger, and each one has states the happy path never shows.

Seven layers:

01. App entry and onboarding start

A person arrives from a store listing, a deep link or a web page, and a session, a device record and a partial application come into existence before anything is verified. Breaks when onboarding is resumable in the design but not in the data, so someone who closes the app at step four comes back to step one and does not come back again.

02. Identity and eligibility

Document capture, liveness, sanctions and PEP screening and eligibility rules run against your provider, and each returns an outcome the product has to hold. Breaks when a check returns refer rather than pass or fail and the flow has no state for it, so a real customer sits in limbo and no agent has a screen to move them from.

03. Account and ledger creation

An account is opened with the partner or core, an entry is written to the ledger, and identifiers, limits and entitlements are assigned. Breaks when the partner call succeeds, the local write fails, and the retry carries no idempotency key, so the customer ends up with two accounts and one of them holds money.

04. Funding

The first money arrives by open banking initiation, card top-up or inbound transfer, and it settles on a timeline the interface has to represent honestly. Breaks when the balance is served from a local cache after card authorisation but before settlement, so a customer spends against funds that later fail to settle.

05. Money movement

A payment is initiated, checked against limits, scored for fraud, sometimes stepped up for authentication, then submitted to the rail. Breaks when the step-up fires after the interface has already shown success, so the customer reads confirmation and then a hold, and support hears about it first.

06. Status, notifications and reconciliation

Callbacks return from processors and partners, are retried and occasionally duplicated, and drive both the customer notification and the internal reconciliation. Breaks when callbacks arrive out of order and a stale earlier state overwrites the terminal one, so a settled payment reverts to pending on the customer screen.

07. Support, dispute and the record

An agent opens the case, reads what happened, answers the customer, and the exchange becomes part of the complaint and dispute record. Breaks when the console shows current state but not the sequence of events, so nobody can tell the customer why the payment failed rather than that it failed.

How we work

We start with the financial workflow, not the interface.

The visual layer is important. But in financial products, the quality of the experience depends on the decisions, states, data and integrations underneath it.

How we work

We start with the financial workflow, not the interface.

The visual layer is important. But in financial products, the quality of the experience depends on the decisions, states, data and integrations underneath it.

Understand

Business model, users, investment process, existing systems, providers and constraints

Understand

Business model, users, investment process, existing systems, providers and constraints

Understand

Business model, users, investment process, existing systems, providers and constraints

Map

Journeys, states, handoffs, exceptions and the information each role needs to act.

Map

Journeys, states, handoffs, exceptions and the information each role needs to act.

Map

Journeys, states, handoffs, exceptions and the information each role needs to act.

Design & build

Prototype the critical flows, establish the system and ship production software in working increments.

Design & build

Prototype the critical flows, establish the system and ship production software in working increments.

Design & build

Prototype the critical flows, establish the system and ship production software in working increments.

Improve

Instrument the product, learn from usage and continuously improve the experience and operating model.

Improve

Instrument the product, learn from usage and continuously improve the experience and operating model.

Improve

Instrument the product, learn from usage and continuously improve the experience and operating model.

Engagements

Great wealth experiences run on strong systems.

You do not need to commit to a full platform programme on day one. We can start with a defined product problem and expand when the evidence supports it.

Fixed scope

Wealth product audit

Review a live journey, identify friction, missing states, product gaps and operational dependencies, then turn the findings into a prioritised action plan.

Focused delivery

One workflow, end to end

Take one high-value journey onboarding, portfolio review, investment proposal or another critical flow from discovery through production.

Ongoing

Dedicated product team

A cross-functional team across product, UX/UI and engineering working against your roadmap and existing technology ecosystem.

Questions financial teams ask

Clear answers to the questions that come up before a project starts.

Can you work with our existing wealth technology?

Can you design for both investors and advisers?

Do you build the investment infrastructure itself?

How do you approach security and access?

Can you take a new wealth product from idea to launch?

Building or modernising a fintech or wealth product?

Bring us the workflow, platform or product challenge. We’ll start with the financial process, the people who use it and the systems it needs to connect to.

It’s Free

Building or modernising a fintech or wealth product?

Bring us the workflow, platform or product challenge. We’ll start with the financial process, the people who use it and the systems it needs to connect to.

It’s Free