Engineering expertise for Fintech & Banking

Engineering expertise for Fintech & Banking:
from secure MVP to high-load systems.

End-to-end development of financial products with a focus on fault-tolerant architecture, data security and compliance with industry standards — for banks, payment providers and regulated fintechs.

Discuss your project →Explore expertise

Services

Custom banking solutions development, end to end.

One senior team across product, design and engineering — no agencies, no juniors, no surprises.

AI & Machine Learning

LLM apps, agents, RAG, computer vision and bespoke ML pipelines built for production.

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Blockchain & Web3

Smart contracts, DeFi, NFT marketplaces, tokenization and audited on-chain infra.

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Mobile Apps

iOS, Android and React Native apps with a polished, Apple-grade experience.

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Web Platforms

Modern SaaS, marketplaces and dashboards engineered for speed and scale.

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Cloud & DevOps

AWS, GCP, Cloudflare — secure architectures, CI/CD and observability done right.

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Rapid Prototyping & MVP

Accelerated engineering for greenfield projects. We deliver scalable, production-ready MVPs in 4–8 weeks with an architecture designed for future growth.

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Fintech & Banking expertise

Trust markers for regulated financial institutions.

Engineering depth across the four pillars banks evaluate before they choose a vendor.

Core Banking & Modernization

We don't just build greenfield. We integrate with legacy core banking systems, modernize them, or wrap them with a microservices layer to unlock new digital channels without risking the ledger.

Legacy core integration (ISO 8583, SWIFT, host-to-host)
Microservices strangler-fig around legacy cores
Event-driven Ledger & double-entry accounting
Phased migration without service interruption

Security & Compliance

Information security standards baked into the SDLC. Audit-ready architectures aligned with PCI DSS, GDPR, OWASP Top 10 and local regulator requirements.

PCI DSS-aligned card data handling & tokenization
GDPR & local data protection (Central Bank, MAS, NBK)
OAuth 2.0, OIDC, mTLS, SSL/TLS, HSM key management
OWASP Top 10 secure coding & SAST/DAST in CI/CD

High-Load & Scalability

Enterprise-grade architecture engineered for millions of transactions. Fault-tolerant, observable, horizontally scalable — ready for customer base growth without rewrites.

Horizontally scalable, stateless services on Kubernetes
Event streaming with Kafka & idempotent processing
Multi-region active-active deployments
Load testing to 10k+ TPS before production

Fintech Modules

Production-grade modules we have shipped or specialise in — composable building blocks for digital banking development.

E-wallets & Ledger systems (double-entry accounting)
KYC / AML integrations (Sumsub, Onfido, Jumio)
Payment gateways & card processing (acquiring, 3DS)
Open Banking & API integrations (PSD2-style)

Process

Predictable engineering — from greenfield MVP to legacy modernization.

STEP 01

Discovery & Audit

We map your business goals, audit existing architecture, and define security constraints in a focused technical workshop.

STEP 02

System Design & Prototyping

Designing the API layer, database schemas, and interactive high-fidelity prototypes to align stakeholders before writing code.

STEP 03

Agile Build & Integration

Senior engineers ship weekly. Whether building from scratch or safely integrating with legacy cores, you see working software, not just slides.

STEP 04

Secure Launch & Scale

CI/CD deployment, rigorous security testing, DevOps observability, and an SLA-backed roadmap for the next horizon.

Case Studies

Mission-Critical Engineering

Real systems we've built — from predictive factory analytics to secure neo-banking architectures and smart residential ecosystems.

Manufacturing · Thailand

Subcontractor Intelligence Dashboard

An AI-powered analytics platform for a Thailand factory that aggregates hundreds of data points across every subcontractor — delivery times, defect rates, compliance, cost variance, communication SLAs — and turns them into a single live score card per partner.

Real-time scorecards ranking every subcontractor
Anomaly detection on quality and delivery KPIs
Predictive risk alerts before issues hit the line
Plant-floor dashboards with drill-down analytics

Subcontractor scorecard

LIVE

Siam Precision Co.92

Bangkok Metalworks78

Chonburi Assembly64

200+

Data points / partner

↑ 3.4×

Risk events caught early

+18%

On-time delivery

Neo-banking · Confidential Client

Next-Gen Digital Wallet & AI Financial Assistant

End-to-end UI/UX architecture and frontend design for a regional digital wallet. We transformed complex payment flows into an intuitive, Apple-grade user experience. The project featured an integrated AI assistant for smart transaction categorization, predictive spending insights, and a frictionless biometric onboarding flow, all designed within strict financial compliance guidelines.

Trust-centered Design System: scalable component library built for accessibility and high conversion
AI-Powered PFM: smart categorization and predictive spending alerts
Frictionless KYC Onboarding: reduced drop-off via seamless UX
Secure Payment Flows: P2P transfers, QR payments, card management

Wallet preview

SECURE

Available balance

$12,480.50

•••• 4242VISA

Apple Store

Electronics

−$129.00

Starbucks

Food & Drinks

−$6.40

Salary · Acme Inc.

Income

+$4,200.00

AI: You'll likely spend $420 on dining this month — 12% under budget.

+40%

Onboarding conversion

100+

Custom UI components

Security compromises

8 wk

Concept → prototype

PropTech · Confidential (Cambodia)

Smart Residential Ecosystem & Integrated Fintech Wallet

Development of a comprehensive property management platform for a high-end residential complex, migrating thousands of residents from fragmented Telegram-based communications to a unified, secure mobile experience. The solution features a proprietary digital wallet for automated utility billing and community management. We integrated an AI-driven "Smart Home Intelligence" layer that analyzes consumption patterns to provide predictive energy-saving insights and powers an LLM-based resident concierge for 24/7 automated support.

Integrated Digital Wallet: seamless on-platform payments for utilities, management fees, and facility bookings with automated invoicing
AI Consumption Analytics: ML models detect abnormal usage and alert residents to leaks or electrical issues
Intelligent Concierge (LLM): 24/7 multilingual AI for maintenance, visitor management, and complex resident queries
Security & Data Sovereignty: migration from public messengers to private, KYC-ready encrypted infrastructure

Resident app

LIVE

Unit · Tower B · 24F

Utilities · December

Electricity

$92.40

Water

$24.80

Management fee

$67.00

Smart Home AI: water usage +32% vs last week — possible leak in Bathroom 2.

Concierge · online

−75%

Manual billing ops

90%+

Resident adoption

24/7

AI-automated support

4 wk

To first pilot

120+

Products shipped

4–8

Weeks to MVP

Industries: Manufacturing, Banking, Telecom, Real Estate, Hospitality

98%

Client retention

Fintech Engineering Partner

Deep engineering expertise for the financial industry.

Since 2009, Cresittel has been a team of senior engineers specialising in fintech: high-load systems, banking legacy modernization, secure payment gateways and fintech compliance. We design and operate mission-critical platforms that are reliable, scalable and audit-ready — partnering with banks, payment providers and regulated institutions across Kazakhstan, Cambodia and Singapore.

Where it all began — 2009

Cambodia

Phnom Penh

169, Ppiu University, Czech Republic Blvd (169), Phnom Penh, Cambodia

Engineering hub

Kazakhstan

Almaty

Engineering hub serving Central Asia & EMEA

APAC headquarters

Singapore

Regional headquarters for APAC clients & partners

Leadership

Meet the team behind Cresittel.

A founding duo combining product strategy in fintech with deep engineering, security and AI infrastructure expertise.

Founder & CEO

Irina Afonina

Drives product vision and client strategy at Cresittel. Focused on bringing secure, regulation-ready fintech products from idea to production for banks, payment providers and high-end PropTech.

CONSULTANT & HEAD OF INFRASTRUCTURE, SECURITY & AI

Iliya Karin

14+ years leading infrastructure, security and AI strategy in regulated fintech. Recognised with US O-1 visa and EB-1A green card for extraordinary ability. Past work with Goldman Sachs, Gazprom, VTB Bank and Nokia.

iliyakarin.com

Senior .NET Developer

Denis Telyuk

Senior .NET engineer with deep experience in high-load backend systems, enterprise integrations and secure financial services architecture.

Senior Full-Stack Developer

Roman Bivald

Senior full-stack engineer building robust web platforms end to end — from React frontends to scalable Node.js services and database design.

Senior Mobile Developer

Pavel Maneyev

Senior mobile engineer crafting performant, secure iOS and Android applications — from native architecture to cross-platform delivery.

Why Cresittel

Built for the region, trusted globally.

Onshore Leadership

Onshore leadership with distributed engineering teams across Central and Southeast Asia for regional excellence.

Localization

Multilingual UX and content operations supporting English, Russian, Kazakh, Khmer, Thai and other regional languages.

Data Governance

Privacy by design principles with GDPR & PDPA compliance, data protection, and secure data handling across jurisdictions.

Performance KPIs

Comprehensive monitoring of uptime, latency, cost optimization, and security metrics for optimal performance.

Press · Media

As featured in

The BigChilli Magazine · Bangkok

“I knew that I could develop software technology better than anyone in Cambodia, and teach the many bright Cambodian minds that did not have any opportunities.”

— Irina Afonina, Founder & CEO of Cresittel

Read the full feature →

Where it all began

Long before high-load payment gateways and core-banking modernization, we were shipping pioneering software in emerging markets. The same engineering DNA — solving hard problems where others didn't dare — now powers the fintech and banking systems we build today.

The Christian Science MonitorPhnom Penh

Origin story · 2012

An app to match your appetite in Cambodia

One of our first product launches — an electronic menu that bridged language barriers for tourists in Phnom Penh. A small consumer app, but the same obsession with reliability and UX that we now bring to payment gateways and digital banking.

Published 2012Read article →

2012 → 2026

From early consumer tech in 2012 → enterprise systems in the 2010s → secure fintech & banking platforms today.

Consumer apps → Enterprise → Fintech & Banking

Pricing

Transparent. Fixed scope. No surprises.

2-week sprint

PoC & Strategy

A fast Proof of Concept and technical justification — for business validation and bank approval boards.

AI Feasibility Study
Technical Architecture Blueprint
Interactive High-Fi Prototype
Fintech / Security Audit Readiness

Get started

Get an initial timeline estimate.

Answer a few quick questions and we'll give you a realistic timeline and complexity level — no email required to see it.

Note: Enterprise modernization and regulated fintech integrations require a custom discovery workshop. This estimator is designed for greenfield projects and early-stage pilots.

Step 1 of 50%

What kind of product are you building?

Prefer email? irina.afonina@cresittel.net

Engineering expertise for Fintech & Banking:from secure MVP to high-load systems.

Custom banking solutions development, end to end.

AI & Machine Learning

Blockchain & Web3

Mobile Apps

Web Platforms

Cloud & DevOps

Rapid Prototyping & MVP

Trust markers for regulated financial institutions.

Core Banking & Modernization

Security & Compliance

High-Load & Scalability

Fintech Modules

Predictable engineering — from greenfield MVP to legacy modernization.

Discovery & Audit

System Design & Prototyping

Agile Build & Integration

Secure Launch & Scale

Mission-Critical Engineering

Subcontractor Intelligence Dashboard

Next-Gen Digital Wallet & AI Financial Assistant

Smart Residential Ecosystem & Integrated Fintech Wallet

Deep engineering expertise for the financial industry.

Meet the team behind Cresittel.

Built for the region, trusted globally.

Onshore Leadership

Localization

Data Governance

Performance KPIs

As featured in

An app to match your appetite in Cambodia

Transparent. Fixed scope. No surprises.

Get an initial timeline estimate.

What kind of product are you building?

Engineering expertise for Fintech & Banking:
from secure MVP to high-load systems.