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Yezo Fintech

Yezo Fintech · London

Software and technology consultancy for product teams.

We design and build production software — platforms, integrations, onboarding journeys and ops tooling — and advise engineering teams on architecture and delivery. Not financial advice. Not financial management consultancy.

Software developmentIT consultancyManagement consultancyProfessional & technical
London desk with laptop and notebook — product engineering work in progress

// registered activities

Software development

IT consultancy

Management consultancy

Professional & technical

Software developmentIT consultancyManagement consultancyProfessional & technicalSenior-led deliveryWritten findingsSoftware developmentIT consultancyManagement consultancyProfessional & technicalSenior-led deliveryWritten findings

01What we are engaged for

Four registered activities. One delivery team.

Every engagement maps to one of the activities Yezo Fintech is registered to carry out. We tell you which one you're buying, and what leaves the building at the end of it.

Contemporary workspace with glass meeting room and soft daylight

// how we engage

We connect the thinking and the making.

Senior engineers only. Written findings. Production from the first increment — mapped to a registered activity you can name.

01

Technology

Software development

Business and domestic software development

Product platforms, transaction and ledger services, onboarding journeys, reconciliation tooling and back-office UIs — built for production, not as prototypes.

Transaction routing and provider-integration layersLedger and balance servicesOnboarding journeys and decision-flow UIsReconciliation and ops tooling

02

Consultancy

IT consultancy

Information technology consultancy activities

Architecture reviews, integration strategy, platform and data decisions, and build-versus-buy calls for engineering teams.

ArchitectureIntegration strategy across product systems and vendorsCloud, data-platform and observability designBuild-versus-buy and vendor technical assessment

03

Operations

Management consultancy

Management consultancy activities other than financial management

Operating models, vendor selection, delivery organisation design, product roadmaps and process redesign — excluding financial management consultancy.

Target operating model for productDelivery process, release cadence and QA designVendor selection and commercial-technical scopingTeam structure, role definition and hiring profiles

04

Enablement

Professional & technical

Other professional, scientific and technical activities not elsewhere classified

Technical due diligence, screening-vendor integration, reporting and data engineering, documentation and specification work.

Technical due diligence, buy-side or sell-sideCompliance-technology integration (screening, monitoring)Reporting and operational data pipelinesAPI specification and partner integration guides

02Practice detail

What each engagement actually produces.

No open-ended retainers by default. Each line below is a scoped piece of work with a named deliverable.

01

// technology

Software development

Business and domestic software development

We take complex product systems from architecture to production. That means the load-bearing parts: idempotent APIs, durable data models, reconciliation views that close, and an audit trail that still answers questions a year later. We work inside your repo, your review process and your operational constraints.

  • Transaction routing and provider-integration layers
  • Ledger and balance services
  • Onboarding journeys and decision-flow UIs
  • Reconciliation and ops tooling
  • Internal consoles and back-office interfaces
  • Customer-facing web and mobile front ends

02

// consultancy

IT consultancy

Information technology consultancy activities

A short, intense read of your platform, then a written recommendation you can act on — not a slide deck. We look at where the data sits, how systems integrate, what breaks under volume, and what a technical due-diligence review would ask first. You get findings, a target architecture and a sequenced plan.

  • Architecture & scalability review, written findings
  • Integration strategy across product systems and vendors
  • Cloud, data-platform and observability design
  • Build-versus-buy and vendor technical assessment
  • Security-by-design review of the SDLC
  • Technical roadmap with cost envelope

03

// operations

Management consultancy

Management consultancy activities other than financial management

The organisational half of delivery. How work is specified, who decides, how releases happen, which vendor does what, and how the operations team runs day to day. This is management, process and delivery consultancy only — not financial management, investment advice or regulated financial advisory.

  • Target operating model for product & engineering
  • Delivery process, release cadence and QA design
  • Vendor selection and commercial-technical scoping
  • Team structure, role definition and hiring profiles
  • Process redesign for product and operations teams
  • Product roadmap and prioritisation frameworks

04

// enablement

Professional & technical

Other professional, scientific and technical activities not elsewhere classified

Specialist technical work alongside delivery: a due-diligence pack before a raise, integrating a screening vendor, a reporting pipeline operations needs, or the specification that lets a third party build the right thing.

  • Technical due diligence, buy-side or sell-side
  • Compliance-technology integration (screening, monitoring)
  • Reporting and operational data pipelines
  • API specification and partner integration guides
  • Technical documentation and runbook authoring
  • Proof-of-concept and feasibility studies

03 · engineering standards

The five things we will not ship without.

These aren't preferences. In production transaction systems each one is the difference between a bad afternoon and a costly incident, so they're in scope by default.

Ledger design
Double-entry, append-only, immutable. Corrections are new entries, never edits — so the history stays defensible.
Idempotency
Every state-changing endpoint takes an idempotency key with exactly-once semantics and a documented retry contract.
Reconciliation
Treated as a product surface with owners and SLAs, not a nightly script nobody reads until something breaks.
Keys & residency
KMS or HSM-backed envelope encryption, documented key rotation, and data residency decided before the first table is created.
Transaction observability
Distributed tracing across critical paths, clear SLOs, and alerting that fires when balances or jobs go out of band.

04Where we work

Product domains where our software experience sits.

These are contexts for engineering work — not financial products we advise on, and not financial management consultancy.

Payment platformsLending platformsWallet productsOnboarding systemsOps & reconciliation tooling

05How we work

From fog to form.

Week markers below are the shape of a typical build engagement. Consultancy-only work usually stops at Blueprint.

  1. 01

    Week 0–1

    Diagnose

    Code and architecture read, stakeholder interviews, and an end-to-end look at the system path. Output is written findings — the real bottleneck, not the symptom.

    You leave with — Written findings ranked by the real bottleneck.

  2. 02

    Week 2

    Blueprint

    Target architecture, data model, delivery plan, risks and a cost envelope. Enough detail that another team could build it.

    You leave with — Target architecture, delivery plan and cost envelope.

  3. 03

    Week 3–10

    Build

    Two-week increments against your review process. Something reaches production in the first increment. Demo every second Friday, no exceptions.

    You leave with — Working increments in production, demo every second Friday.

  4. 04

    Week 10+

    Hand over

    Runbooks, architecture decision records, on-call walkthrough and paired sessions until your team owns it. Retained capacity if you want it.

    You leave with — Runbooks, ADRs and a team that owns the system.

06Representative engagements

The kind of engineering problem that lands on our desk.

Described by problem shape rather than client name — most of this work sits under NDA.

Abstract layered systems texture suggesting production architecture

// payment platforms

Payout routing across three providers

A payouts product outgrew its single provider. We built a routing and retry layer with idempotency keys, per-corridor fallback and a reconciliation view that gives ops one consistent picture across three ledgers.

Contemporary workspace with glass meeting room and soft daylight

// lending platforms

Architecture review before a funding round

A credit platform needed to know what an acquirer's technical team would find. Two weeks of review, written findings ranked by remediation cost, and a sequenced plan the CTO used as the engineering roadmap.

London desk with laptop and notebook — product engineering work in progress

// compliance tech

Screening and monitoring integration

Replaced a manual review queue with an integrated screening pipeline: vendor evaluation, sandbox integration, case-management UI, and an audit trail that maps each decision to the rule that produced it.

Evening London skyline through an office window

// delivery org

Operating model for a scaling product team

Twelve engineers, no release cadence and a roadmap nobody trusted. We designed the delivery model, defined the roles, rebuilt the intake process and stayed through the first three cycles.

Engagement notes are illustrative of scope and approach. Named references available under NDA on request.

Evening London skyline through an office window

// london

Got a problem that cannot wait?

07 Contact

Tell us what's breaking, or what you're about to build.

Send a short note — the system, the constraint and the deadline is plenty. You'll get a reply from an engineer within one working day, with how we'd approach it and whether we're the right people for it.

info@yezofintech.com

Or use the form — messages go to our inbox via Brevo.

Registered office
Flat 6 50 Britannia Street, London, England, WC1X 9JH
Company number
17370308
Response time
One working day, Mon–Fri
Engagement minimum
Two-week diagnostic