Charlotte Software Development for Fintech and Financial Services

Financial services in Charlotte

Truist, a commercial bank, is headquartered in Charlotte, and the Charlotte Regional Business Alliance lists financial services alongside advanced manufacturing, life sciences, technology and logistics among the industries it supports. Around the banks sit fintech startups, payment and lending companies, and the vendors that sell to all of them.

Our fintech buyers include early-stage companies and established banks and credit unions, among other client types.

Fintech work we have built

Four kinds of financial system are already on our record: fraud scoring, onboarding and KYC document checks, AML alert triage, and underwriting with reason codes. What they share matters more to a Charlotte buyer than the list itself. A risk analyst, compliance officer or examiner may need to retrace a decision months later. We scope the inputs, rules and outputs to retain with your team per engagement.

That shapes how we design them, with the details set per engagement. The scope can include reviewable and versioned rules, model outputs stored next to the data they were based on, and recorded human overrides. Payment and identity steps run through providers such as Stripe and identity verification services, or through your banking partner or BaaS provider. Our fintech page goes into the design of each system.

Getting through a bank's vendor review

Selling software into a bank, or being a bank's vendor, means a security questionnaire and a due diligence file. Our security page describes how we handle client data, including encryption at rest and in transit, role-based access and per-project data isolation. It also says plainly that Code and Trust follows SOC 2 practices but has not completed a formal SOC 2 audit, which is the answer your review team will want written down rather than discovered.

On regulated builds we scope compliance and privacy requirements in the design phase, with your compliance team and counsel, so the controls are in the architecture rather than added after an examiner asks.

Energy and field operations

Duke Energy is also headquartered in Charlotte. Energy and utility work leans on field crews, and the firms that run those crews live on work orders, assignments and photos taken on site. A React Native app for crews, connected to the office system and sending updates by text through Twilio, can be a practical first build for that kind of operation.