UK banks and FinTechs face unprecedented technology pressure — Open Banking mandates, real-time payments, AML obligations, and a customer base demanding digital-first experiences. We deliver the quality infrastructure that makes all of it work.
Talk to Our Banking Technology Team →UK banking operates under regulatory scrutiny that has no equivalent elsewhere in financial services — compounded by customer expectations shaped by FinTech challengers who move at a pace incumbents struggle to match.
PSD2 mandates and the UK Open Banking standard require banks to expose secure, reliable APIs to third-party providers. Every API endpoint is a regulatory obligation — and a security surface that must be tested rigorously and continuously.
Faster Payments, CHAPS, and ISO 20022 migration demand zero-tolerance testing frameworks. A payment processing defect is not a UX issue — it is a financial loss event with potential regulatory consequences and reputational damage at scale.
Anti-money laundering and fraud detection systems are only as reliable as their validation. Testing transaction monitoring rules without triggering regulatory false positives or missing genuine suspicious activity requires specialist expertise most vendors cannot provide.
Legacy core banking platforms — many running on decades-old infrastructure — constrain digital transformation speed and introduce systemic risk into every modernisation programme. Migration without a rigorous quality framework is how banks end up in the headlines for the wrong reasons.
Regal Tech's banking and FinTech practice is grounded in deep understanding of UK banking regulation — from PRA and FCA requirements to PSD2 Open Banking standards, Basel III capital reporting, and the Consumer Duty obligations that now shape every customer-facing product decision. We do not learn your regulatory environment during your engagement; we arrive with it already embedded in our delivery approach.
Our PSD2 and Open Banking API testing capability covers FAPI compliance, AISP and PISP journey validation, TPP connectivity testing, and strong customer authentication (SCA) implementation assurance. For core banking migrations — whether to Thought Machine Vault, Mambu, or bespoke cloud-native platforms — our parallel-run testing frameworks provide the data reconciliation assurance that regulators and risk committees require before cutover.
For FinTech startups and challenger banks, we accelerate delivery without sacrificing the quality posture that FCA authorisation demands. Our embedded QA capability integrates directly into agile delivery teams, bringing regulatory testing expertise that early-stage FinTechs rarely have in-house — enabling faster time to market without compliance shortcuts.
Quality engineering and technology delivery services built for the regulatory complexity and operational demands of UK banking and FinTech.
End-to-end testing of Open Banking APIs against PSD2 and OBIE standards — AISP, PISP, CBPII journeys, SCA validation, consent management, and TPP connectivity. We ensure your Open Banking implementation meets both regulatory and commercial requirements.
Parallel-run testing frameworks for core banking platform migrations — data reconciliation, transaction processing parity, and cutover assurance. We provide the independent quality validation that your risk committee and the PRA expect before any migration goes live.
Specialist testing for UK payment infrastructure — Faster Payments, CHAPS same-day settlement, BACS direct credits and debits, and ISO 20022 migration. Our payment testing frameworks cover message integrity, timing obligations, and failure mode handling.
Validation of transaction monitoring rules, suspicious activity report (SAR) triggers, and fraud scoring models. We test AML platforms without generating false positive noise — delivering assurance that your detection capability performs as designed under live transaction patterns.
End-to-end development and quality assurance for digital banking products — mobile banking apps, internet banking platforms, and self-service portals. We build with FCA compliance and accessibility (WCAG 2.2) requirements embedded from architecture stage.
Test frameworks aligned to PSD2, Consumer Duty, and GDPR banking obligations — with audit evidence management built in. Our regulatory testing approach is designed to satisfy both internal compliance teams and external FCA examination.
Banking digital transformation delivery velocity: the compounding impact of quality infrastructure
Our banking work draws on capabilities that directly address the quality, compliance, and delivery velocity challenges facing UK banks and FinTechs.
In banking, technology failure is measured in financial loss, regulatory censure, and customer trust that takes years to rebuild. Regal Tech brings the quality engineering rigour and regulatory depth that UK banks and FinTechs need when the stakes are this high.
Talk to Our Banking Technology Team →Direct conversation with banking technology specialists. No obligation.
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