Architecture decisions grounded in delivery reality.
- Architecture
- Modernisation
- Build vs Buy
- Integrations
- AI
Technical consultancy & architecture for financial services
Make technology decisions that won't become tomorrow's delivery problem.
We help banks, fintechs and insurers assess architecture, modernise complex technology estates and make high-impact technical decisions around platforms, integrations, security and AI.
50+ financial services projects behind our recommendations
Financial services projects. Architecture experience across regulated environments50+
Microservices supporting a multi-institution fintech platform100+
Financial institutions connected through one scalable architecture25+
Faster time-to-market following a major cross-platform architecture and delivery scale-up4.5×
Key challenges
Where technology decisions create long-term delivery risk.
Architecture problems rarely appear as one dramatic failure. More often they show up as slower releases, growing dependencies, rising maintenance cost and decisions that become harder to reverse with every quarter.
Architecture has grown around individual projects
Years of incremental development create overlapping responsibilities, hidden dependencies and technical boundaries that no longer match the way the business works.
Modernisation scope becomes too large to act on
When everything looks legacy, transformation programmes quickly become too expensive, risky or broad to prioritise.
Build vs buy decisions hide long-term trade-offs
Commercial platforms may accelerate launch but introduce vendor dependency, integration constraints or future cost. Custom development creates a different set of risks.
Integration debt spreads across the estate
Point-to-point dependencies, ageing middleware and inconsistent APIs make otherwise simple product changes dependent on multiple teams and systems.
Architecture decisions lack durable rationale
Teams often know what was chosen but not why, so major technical decisions are reopened every time people or priorities change.
AI enters the SDLC before the architecture is ready
Developer tools, agents and models introduce new questions around code access, context, security, governance and ownership.
Architecture for delivery
Good architecture reduces the number of decisions every release has to reopen.
Architecture that explains what should change, what should stay - and why.
Product reality
Roadmap · Customer journeys · Time-to-market · Business priorities
01
Technology reality
Systems · Data · Integrations · Infrastructure · Technical debt
02
Operational reality
Security · Resilience · Governance · Cost · Ownership
03
Let's talk architecture
Facing a technical decision that will be expensive to reverse?
Whether you're planning a modernisation, selecting a platform, redesigning an integration layer or reviewing an existing architecture, we can help evaluate the trade-offs before you commit.
Our process
From current-state complexity to a technical direction your team can act on.
Every engagement is scoped around the decision that needs to be made - not around producing a predefined consulting document.
Case studies
Architecture decisions that made it into production.
See how we've helped financial organisations turn technical decisions into scalable products, platforms and delivery environments.
Bancovo Fintech · Lending
Connecting 25+ financial institutions in one lending platform
A scalable fintech ecosystem built on 100+ microservices and complex financial integrations.
Read more about Connecting 25+ financial institutions in one lending platform
POP Pankki Banking · Mobile
Building a mobile bank from scratch
A new digital banking experience supporting customer growth and a broader transformation of the bank.
Read more about Building a mobile bank from scratch
Speednet Audytor Banking
57% reduction in AI maintenance costs
AI Governance costs the bank on average half a million zlotys per year for each model.
Read more about 57% reduction in AI maintenance costs
Bank BPH Banking
An M&A transaction between banks
Highly-secure online platform for servicing mortgage loans used by customers and bank employees.
Read more about An M&A transaction between banks
Architecture as a delivery system
Technical debt is not the real problem. Delivery friction is.
Old technology does not automatically need replacing. It becomes a problem when architecture makes product change slower, riskier or disproportionately expensive.
Modernise around bottlenecks
Prioritise the areas that constrain product delivery, resilience or integration rather than modernising technology only because of age.
Preserve what still works
Stable systems can remain valuable when they are isolated behind clear interfaces and do not constrain the roadmap.
Reduce unnecessary coupling
Teams move faster when product areas can evolve without coordinating every release across the whole estate.
Make technical decisions durable
Clear ownership, boundaries and ADRs help future teams understand why the architecture looks the way it does.
AI architecture & SDLC readiness
Scale AI in engineering without losing control over code, context and tools.
We help engineering organisations move from fragmented AI experimentation to a controlled technical model for AI-assisted software delivery.
We help engineering organisations move from fragmented AI experimentation to a controlled technical model for AI-assisted software delivery.
Models & tools
Local or external models · Coding assistants · Agents · Tool access
Context & architecture
Repositories · Documentation · ADRs · Project context · Integrations
Governance & control
Permissions · Human approval · Auditability · Security policies
Adoption
Pilot design · Measurement · Rollout · Operating model
No architecture hand-off
The people who recommend the architecture should stay accountable when it gets built.
Our architects work with engineering teams rather than handing recommendations over the wall. We can remain involved through implementation, technical governance and critical delivery decisions - or provide a clean handover to your internal organisation.
From technical decision to working technology.
Our architects work with engineering teams rather than handing recommendations over the wall. We can remain involved through implementation, technical governance and critical delivery decisions - or provide a clean handover to your internal organisation.
Architecture support
Technical guidance · ADR review · Design authority
Delivery support
Engineering teams · Integration specialists · DevOps · QA
Knowledge transfer
Documentation · Workshops · Ownership transfer
Featured insight
Research and practical thinking for technology leaders.
Technology insights
Ideas for architecture, modernisation and better technical decision-making.
Read more about How to Communicate with an API: An Introduction to GraphQLArticle • Reading 1 mins
How to Communicate with an API: An Introduction to GraphQL
Read more about PSD3 and PSR: an architectural reset for European digital paymentsArticle • Reading 30 mins
PSD3 and PSR: an architectural reset for European digital payments
Read more about Is the AI hype our era’s “unsinkable ship”?Article • Reading 6 mins
Is the AI hype our era’s “unsinkable ship”?
FAQ
Frequently asked questions about Technical Consultancy & Architecture
What does your Technical Consultancy & Architecture service include?
We support architecture assessment, target-state design, modernisation strategy, integration architecture, technical discovery, build-vs-buy decisions, technology selection and AI SDLC readiness.
Can you review an architecture we already have?
Yes. We can assess an existing architecture, roadmap or proposed target state and identify risks, dependencies, technical debt and areas where alternative approaches should be considered.
Can you help us decide what to modernise first?
Yes. We assess where the current estate creates delivery bottlenecks, operational risk or disproportionate maintenance cost and use that to prioritise modernisation.
Do you recommend full legacy replacement?
Only when it makes sense. In many environments the better approach is to retain stable systems, improve interfaces around them and modernise the areas that actually constrain the roadmap.
Can you support build-vs-buy decisions?
Yes. We compare commercial platforms, custom development and existing capabilities against functionality, integration fit, security, total cost, vendor dependency and long-term flexibility.
Do you document architectural decisions?
Yes. Where relevant, we use Architecture Decision Records and supporting documentation so teams understand not only what was decided but why, what alternatives were considered and what trade-offs were accepted.
Can you help with technical discovery before an RFP or implementation project?
Yes. We can clarify scope, dependencies, integrations, architecture assumptions, delivery risks and effort before the organisation commits to procurement or implementation.
Can you work as an independent second opinion?
Yes. We can review an internal proposal, vendor architecture or existing transformation plan and provide an independent technical perspective without taking over the entire initiative.
Can you work alongside our existing architects and vendors?
Yes. We often work inside existing multi-team and multi-vendor environments, supporting decisions, resolving architecture questions and providing specialist capability where needed.
Do you also implement the architecture you recommend?
Yes. Speednet is also a software delivery organisation. We can remain involved through engineering and implementation, provide architecture governance or transfer the roadmap completely to your internal teams.
How do you support AI architecture and SDLC readiness?
We assess how models, developer tools and AI agents should access code, project context and engineering systems, then define the controls, governance and rollout model required for safe adoption.
Let's talk technology
What technical decision is slowing your roadmap down?
Tell us what you're assessing, modernising or trying to untangle. We'll connect you with a senior Speednet technology expert who can help turn the complexity into a clear technical direction.