Payinto
Payments & Fintech
Simplifying how people and businesses move, manage and use money.
Learn moreSolutions · Financial Services
Secure, compliant fintech built to scale.
From startups to established institutions, we design and engineer financial products that are secure, compliant and delightful to use — drawing on our experience building and operating Payinto.
The challenge
What holds financial services back.
- 01
Security & fraud
Every transaction is a target — security and fraud controls cannot be an afterthought.
- 02
Regulatory compliance
KYC, AML and data protection requirements add complexity to every feature.
- 03
Legacy systems
Ageing core systems make it hard to launch modern digital channels quickly.
What we build
Solutions for banking and financial services.
Payment platforms, digital wallets, lending and microfinance systems with KYC and compliance built in.
Payments & wallets
Collections, transfers, payouts and wallets with real-time ledgers and reconciliation.
Lending & credit
Loan origination, scoring workflows, disbursement and repayment management.
Microfinance & cooperatives
Member savings, contributions, loans and statements for cooperatives and MFIs.
KYC & onboarding
Digital onboarding with identity verification and risk checks.
Customer apps & portals
Mobile banking and self-service portals customers actually enjoy using.
Reporting & compliance tools
Audit trails, regulatory reports and internal dashboards.
Artificial intelligence
AI for financial services.
We put practical, responsible AI to work — built into your systems, trained on your processes and designed to protect your data.
Explore AI & automationFraud detection
Spot suspicious transactions and accounts in real time.
Credit scoring
Assess risk with richer data for faster, fairer lending decisions.
AI customer support
Answer customer questions instantly on app, web and WhatsApp.
How we deliver
The skills behind every solution.
One team for strategy, design, engineering and support — the same team that builds and runs Retenvo’s own products.
Relevant services
Artificial intelligence
AI assistants, predictive analytics, dashboards and automation built into your workflows.
Custom software & platforms
Enterprise systems, SaaS and APIs engineered for scale and reliability.
Web & mobile apps
Fast, accessible experiences on web, iOS and Android — even on low bandwidth.
Payments integration
Collections, payouts and wallets via Payinto and leading gateways.
Security & compliance
Data protection by design in line with the NDPA, GDPR and sector rules.
Cloud & DevOps
Secure hosting, monitoring and continuous delivery that keep you online.
Ready-made products
Start faster with Retenvo products.
Use our products as they are, or as building blocks within a custom solution.
Do you integrate with payment providers?
Yes. We integrate with Payinto and leading payment gateways, as well as banking APIs and identity verification providers.
How long does it take to build a solution for financial services?
It depends on scope. A focused first release typically takes 6–12 weeks; larger platforms are delivered in phases so you see value early. We agree a clear timeline and milestones before work begins.
Do you provide support after launch?
Yes. We offer hosting, monitoring, maintenance and continuous improvement plans so your platform stays secure, fast and up to date.
Let’s build for financial services, together.
Tell us about your organisation and the problem you want to solve. We will come back with ideas, a plan and a free quote.