Financial Services in California / Bay Area
Building a production banking system in California / Bay Area from zero requires PCI DSS scope design, BSA/AML architecture, and HIPAA and SOC 2 compliance embedded from the first API design. Core banking built without these constraints requires more expensive remediation later.
The Big Three core banking vendors — FIS, Fiserv, Jack Henry — are so universally disliked that banking trade associations are funding alternatives. Long-term contracts, outdated technology, closed systems, and prices that make modernization feel impossible. The industry is ready for engineering teams that build open, compliant alternatives.
How We Deliver in California / Bay Area
United States and Financial Services Frameworks
Financial Services organizations in California / Bay Area operate under both United States regional frameworks and sector-specific compliance requirements. We embed all applicable frameworks architecturally — not as a parallel compliance workstream running alongside engineering.