Banking software development company for SAMA, CBUAE and PCI DSS

Banking squads built to pass the audit

Financial services are a core sector for our squads: core-banking integration, digital channels, open banking and fraud models. Mapped to SAMA CSF, PCI DSS and DORA.

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  • Zero downtime on a Tier-1 bank cut-over
  • PCI DSS-scoped wallet for a UAE fintech (representative examples)

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Fig. 01Banking & Fintech

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In short

Core modernisation, digital banking, open banking and fraud analytics, mapped to SAMA CSF, CBUAE rules and PCI DSS from sprint one.

Remote Pro Ai works as a banking software development company for banks, insurers and licensed fintechs across the Gulf and Europe. Squads build core-banking integrations, digital channels, open-banking APIs and fraud models under SAMA CSF, CBUAE rules, PCI DSS and DORA, and start within 4 working days.

What makes banking engineering hard

Primary risk: data integrity and regulatory exposure. A defect in a payment flow is a regulatory event, not just a bug.

  • Legacy cores that cannot stop

    Integration hubs and monoliths must change while channels stay live.

  • Open-banking deadlines

    SAMA’s Open Banking Framework and CBUAE open finance need secure, consented APIs, often while the ISO 20022 migration runs.

  • PCI scope creep

    Every new service risks pulling more systems into cardholder-data scope.

  • Outsourcing approvals

    Regulators expect a SAMA no-objection, audit rights, a documented exit plan and evidence before material outsourcing.

  • Fraud that adapts weekly

    Rules engines alone miss new patterns in real-time payments.

  • Arabic digital journeys

    Onboarding, disclosures and support must read natively in Arabic and English.

Squads from a banking software development company

SquadCompositionTypical outcome
Core Banking Squad1 Lead · 3 Backend Engineers · 1 QA Automation · 1 DevSecOpsEvent-driven integration layer replacing a monolithic hub, cut over without downtime
Digital Banking Squad1 Solutions Architect · 2 iOS/Android · 2 Backend · 1 Integration · 1 AppSec · 1 SDETSAMA-compliant retail banking journeys with Open Banking APIs
Open Banking API Squad1 Integration Lead · 2 Integration & API Engineers · 1 Security Engineer · 1 SDETConsented account and payment APIs with gateway policies and conformance tests
Fraud & Risk ML Squad1 ML Lead · 1 Data Engineer · 1 MLOps · 1 AI Governance SpecialistReal-time fraud scoring with drift monitoring and model documentation
Compliance Acceleration Squad1 GRC Lead · 2 GRC Specialists · 1 Security Engineer · 1 Pen TesterAudit-ready evidence for SAMA CSF or ISO/IEC 27001 in about 12 weeks

Build any of these in the Squad Builder or reserve a ready version on the squads hub.

Compliance that is built in, not bolted on

What never-negotiable means in banking

  1. Cardholder data stays inside segregated, PCI-scoped environments; tokenisation keeps scope small.

  2. Every control maps to SAMA CSF or the CBUAE requirement it satisfies, with evidence.

  3. No production customer data in development or test environments.

  4. Audit rights and exit plans are written into the contract before work starts.

  5. Changes follow maker-checker approval and your change-advisory board.

FrameworkWhat it requires of a vendorHow we meet it
SAMA CSFMapped controls, third-party risk management, evidenceControl mapping per deliverable; GRC specialist on regulated squads
SAMA outsourcing rulesRegulator engagement for material outsourcing, audit and exit termsVendor documentation pack, audit-rights clause, exit and transition plan
SAMA Open Banking FrameworkSecure, consented APIs with defined standardsIntegration engineers with gateway, OAuth 2.0 and mTLS experience
CBUAE regulations and open financeOutsourcing controls, information security, consented data sharingResidency in UAE regions; documented controls; API security testing
PCI DSS v4.xSegregated scope, secure development, testingPCI-scoped environments, AppSec reviews, penetration-tested releases
DORA (EU entities)ICT third-party risk, register of information, exit strategyRegister support, exit plan, audit access
Saudi PDPLLawful processing and controlled transfersDPA with Saudi annex; in-Kingdom processing where required

Roles banks hire most from us

Financial services work in production

All case studies

  • Representative pattern (anonymised)

    Case B-01

    A Tier-1 Saudi bank, Riyadh. Event-driven integration layer for retail and corporate channels, SAMA-mapped controls and PCI-scoped environments on in-Kingdom cloud. 12 engineers, 14 months.

    • Results: zero downtime at cut-over, –41% integration lead time, 100% of audit findings closed on schedule.

  • Representative pattern (anonymised)

    Case B-03

    A licensed fintech, Abu Dhabi. PCI-scoped wallet, card-issuing integration, KYC and AML orchestration and a merchant portal. 9 engineers, 12 months.

    • Results: PCI DSS-scoped build, under 300 ms payment authorisation, 0 critical pen-test findings.

  • Representative pattern (anonymised)

    Case B-02

    A Saudi insurer. Bilingual GenAI assistant for policy servicing with PDPL-compliant logging. 6 engineers, 7 months.

    • Results: –52% average handling time, live in 14 weeks.

Who we work with

Bank and fintech logos appear only with written consent, and most of our financial-services clients ask for discretion. Until consent is granted we describe them by sector and scale: a Tier-1 Saudi bank in Riyadh, a licensed Abu Dhabi fintech, a Saudi insurer. These are representative engagement patterns; references under NDA are arranged on request, subject to client consent.

Security arrangements banks ask for

  • Pattern A for core systems

    Engineers work only inside your VDI and privileged-access tooling, the usual choice for banks.

  • Pattern B, in-Kingdom or UAE hosting

    Workloads stay in the region your regulator expects, under NCA ECC controls.

  • Background checks

    Enhanced checks before access to production-adjacent systems.

  • Segregated PCI environments

    Separate tooling and access for cardholder-data scope, open only to named team members.

  • Right to audit

    Written into the contract; your auditors review our facilities and records on notice, with zero-trust access and full session recording.

Our ISO/IEC 27001 status is in progress (certification target Q2 2027) and our SOC 2 Type II status is planned for 2027. Full detail in the Trust Center.

Reading for banking technology leaders

Banking & fintech: buyer questions

Book a scoping call

20 minutes with an Account Director. No sales script.

Yes. Material outsourcing by SAMA-regulated entities needs regulator engagement and specific contract terms. We provide the vendor documentation, audit-rights clause, data-location commitments, business-continuity information and exit plan your submission needs. Your compliance team owns the regulator relationship; we make sure the evidence behind it is complete.

Yes. Squads work in segregated, PCI-scoped environments with separate access and tooling, and design to keep scope small through tokenisation and hosted payment fields. Application Security Engineers review code and APIs, and releases are penetration-tested. On Case B-03 (a representative example), the platform was built within PCI DSS scope.

Yes. Integration & API Engineers build consented account-information and payment-initiation APIs with API gateways, OAuth 2.0, mTLS and rate limits, and run conformance and security tests. They work to SAMA’s Open Banking Framework or CBUAE open finance requirements, depending on where you are licensed.

Production customer data never enters development or test environments. Engineers use synthetic or masked data, work inside your VDI where required, and access production only through approved, logged break-glass procedures. These rules are written into the Statement of Work and checked during audits.

Yes. For EU financial entities we support the register of information, provide a documented exit and transition plan, accept audit and access rights, and report incidents within agreed timelines. DORA has applied since January 2025, so these terms are standard in our EU banking contracts.

Yes, with parallel running, event-driven adapters and staged traffic shifting with rollback at each step. On Case B-01, a 12-engineer squad replaced a monolithic integration hub for a Tier-1 Saudi bank with zero downtime at cut-over and 41% faster integration lead times.

All questions, by topic

Bring a compliant squad into your next release

Share your regulator, systems and deadline. We return a squad, a residency pattern and a control-mapping plan within 72 hours.

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