ELIVTECH delivers AI-driven fraud detection, core modernisation, and compliance automation for banks, insurers, and fintechs navigating a $33.5 trillion global market.
Financial services firms face relentless pressure to modernise legacy infrastructure, satisfy a thickening web of regulations, and outpace fraud — all while delivering the seamless digital experiences customers now expect. ELIVTECH engineers purpose-built software that turns those pressures into competitive advantage.
Global Financial Services Market Size (USD Trillion, 2021-2028 est.)
Financial institutions are the top target for cybercrime. AI-enabled fraud is now responsible for more than 50% of attack vectors, demanding real-time detection and adaptive defences.
Institutions must simultaneously satisfy DORA, Basel III, PCI-DSS, SOX, GDPR, and regional mandates — each with their own audit trails, reporting cadences, and breach-response windows.
Decades-old monolithic cores slow time-to-market and rack up technical debt. Migrating to cloud-native architectures without disrupting 24/7 operations is a critical engineering challenge.
Neobanks and embedded finance players have reset expectations. Customers demand instant onboarding, hyper-personalised offers, and 24/7 omnichannel support — no exceptions.
Risk models, compliance reports, and personalisation engines all need clean, unified data. Fragmented data estates across business lines remain the single biggest analytics bottleneck.
Rising interest-rate volatility, increased capital requirements under Basel III, and aggressive fintech competition squeeze net interest margins, making operational efficiency non-negotiable.
The difference between stopping fraud and losing a customer is measured in milliseconds. This is the decision pipeline ELIVTECH builds — every transaction scored, checked, and cleared before the customer notices a pause:
Transaction to decision — scored in under 100 milliseconds
Strangler-fig migration patterns and API-first architecture let us decompose monolithic cores incrementally — zero downtime, full auditability, and a clear path to cloud-native microservices.
We build real-time scoring pipelines using ensemble ML models, cutting false positives by up to 80% and enabling sub-100 ms fraud decisions across millions of daily transactions.
Policy-as-code frameworks, automated audit trails, and pre-built connectors for regulatory reporting (CCAR, BCBS 239, MAS TRM) reduce compliance overhead and human error.
Composable front-end platforms with headless CMS and embedded AI deliver hyper-personalised journeys — from instant KYC/AML onboarding to proactive wealth nudges via mobile.
Unified data lakehouse architecture aggregates retail, commercial, and market data into a single semantic layer — powering credit risk, AML screening, and next-best-action models in real time.
PSD2/CDR-compliant open-banking gateways and developer portals let financial institutions monetise data assets, partner with fintechs, and launch embedded finance products rapidly.
ELIVTECH engineering practices are built around the regulatory frameworks that matter most to financial services clients. Every solution we deliver is mapped to the applicable controls below.
| Regulation / Standard | Scope | Key Requirement | ELIVTECH Coverage |
|---|---|---|---|
| PCI-DSS v4.0 | Card payment processing | Cardholder data encryption, network segmentation, vulnerability management | ✓ Tokenisation & secure SDLC |
| SOX | US public companies | Internal controls over financial reporting, audit trail integrity | ✓ Immutable audit logs & access controls |
| Basel III / IV | Global banking | Capital adequacy, liquidity coverage, leverage ratios | ✓ Risk data aggregation (BCBS 239) |
| GDPR / UK GDPR | EU & UK customer data | Consent management, data residency, right to erasure | ✓ Privacy-by-design architecture |
| DORA | EU financial entities (from Jan 2025) | ICT risk management, incident reporting, third-party oversight, TLPT | ✓ Resilience testing & vendor risk frameworks |
| AML / KYC (FATF) | Global financial institutions | Customer due diligence, suspicious activity reporting, sanctions screening | ✓ Automated identity verification pipelines |
| ISO 27001 | Information security | ISMS controls, asset management, incident response | ✓ Certified ISMS aligned delivery |
Stakeholder workshops, current-state audit of legacy systems and data flows, regulatory gap analysis, and target-state architecture design with a prioritised modernisation backlog.
Cloud landing zone setup, core API gateway deployment, data lakehouse onboarding with initial domain (payments or lending), and CI/CD pipelines with security scanning baked in.
Digital channel launch (mobile/web), AI fraud-detection and credit-risk models trained on production data, open-banking APIs published, and compliance automation connectors live.
Embedded finance products, generative AI copilots for advisors and operations teams, continuous model retraining, and ongoing regulatory horizon scanning to stay ahead of change.
Financial institutions that deploy AI at scale are achieving up to 80% reduction in fraud false positives and fully automating more than half of customer interactions. — Caspian One AI Adoption in Financial Services Report, 2025
Cut through the regulations and architecture, and partnering with ELIVTECH delivers four outcomes your executives and customers can measure:
Real-time scoring blocks bad transactions in under 100 ms while cutting false positives by up to 80% — you protect the balance sheet and stop turning good customers away at checkout.
Incremental, strangler-fig migration retires legacy cores module by module while service stays live 24/7 — you gain speed and lower technical debt without a risky big-bang rewrite.
Policy-as-code and immutable audit trails make evidence collection continuous, so DORA, PCI-DSS, SOX, and GDPR reviews become routine rather than costly fire drills.
Instant onboarding, personalised offers, and always-on digital channels match what neobanks deliver — growing acquisition, loyalty, and lifetime value across every segment.
Partner with ELIVTECH to modernize, automate, and scale with confidence.
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