Product Infrastructure for Banking and Fintech

Product Infrastructure for regulated banking that reduces risk and increases conversion.

We design auditable digital systems, customer-centric and prepared to scale without compromising compliance or experience.

Regulation-traceable architectures (PSD2, AML, MiFID)
Digital experience for Wealth segments >100k€
Work aligned with risk, legal, and technology from Day 1

Request confidential diagnosis See regulatory experience

The Context

When digital growth increases structural complexity.

In regulated banking and fintech, every digital improvement impacts a network of dependencies. It's not just "UX", it's operational risk.

Regulatory Pressure

Constant changes (PSD2, AML, MiFID) that break unprepared roadmaps.

KYC Friction

Loss of high-value customers due to rigid onboarding processes.

Legacy Debt

Manual processes hidden behind an apparently digital interface.

AI Risk

Implementation of models without clear governance, creating reputational risk.

We don't design screens. We design architecture.

Our approach connects business, regulation, and experience from the core. It's not aesthetics, it's infrastructure.

Regulatory Strategy

Design traceable to reqs.
UX Audit trail
Validation with Compliance

Operational Risk UX

Robust AML flows
Error minimization
Exception management

Explainable AI

Decision logging
Human-in-the-loop alerts
Design for audit

Productive Governance

UX Risk Matrix
Ready-to-use documentation
Modular design

Practical Application

How infrastructure translates into each product layer.

Strategy

Roadmaps aligned with regulations and architecture. Prioritization based on regulatory impact + business.

UX

Frictionless digital KYC onboarding. Modular financial planning (digital + advisor). 360º Investment.

UI

High-trust visual systems. Information density suitable for sophisticated profiles.

AI

Internal copilots for managers. Behavior-based alert engine. Explainable interaction.

Governance

Decision documentation. Flows prepared for internal review and external audit.

CASE STUDY (ANONYMIZED)

European Bank – Wealth Segment (>100k€)

The Problem

Digital onboarding with manual validations. Low conversion in Wealth profiles. High risk of re-work due to compliance.

The Intervention

Structural redesign of the KYC flow. Modular architecture (Autonomous vs Assisted). Document traceability integrated into UX.

The Result

+18% Wealth conversion
-35% manual incidents
Simplified audit

Indicador	Impacto
Time-to-market	-20% / -30%
Re-work due to compliance	-30% / -40%
Premium onboarding conversion	+15% / +25%
Critical UX incidents	-40% / -50%

Experience in regulated environments and digital banking

Product Infrastructure is not designed from theory. It is built from real experience in banking, security, and complex platforms. We understand banking from the inside.

Digital Banking and Affluent Segment

UX Design for ING Affluent (>100k€ segment).
Digital financial planning aligned with global teams.
Design of investment views, global position, and VIP channels.
Integration with corporate Design Systems in a regulated environment.

Banking and Fintech Product

Product Manager at CaixaBank (ImaginBank).
Management of payments, transactions, Bizum, cards, wallets, and biometrics.
Integration of biometric authentication and assistance with IBM Watson.
Complete ownership of the digital product cycle and KYC support.

Banking Security and Risk Management

Direct Experience (Tomás Ledo)

Key Role

IT Security Manager at ING Spain & Portugal

Implementation of ISO 17799 / BS7799 standards.
LAN/WAN architecture design and security policies.
Firewalling, IDS, and routing policies management.
Risk analysis in external connections and third parties.
Integration of third parties within the security framework.

This experience contributes:

Real risk mentality, not theoretical.

Deep understanding of audit.

Design aligned with security from the source.

"Strategic design with a risk mentality."

We neutralize the objection of "they don't understand regulation". We are structural partners.