Banking and financial software development built on experience
With over two decades of experience in financial software development, Helmes helps banks, fintech companies, financial service providers and public finance institutions build and modernise business-critical systems. Our work covers core and internet banking, payments, fraud detection, financial data platforms, enterprise integrations and regulatory systems, from customer-facing applications to the infrastructure behind them.
Expertise in secure, business-critical financial systems
Banks and financial institutions operate in environments where security, reliability and operational continuity are essential. Helmes understands the demands of regulated financial services and integrates secure software development practices throughout the software lifecycle, from analysis and architecture to testing and maintenance. We combine technical expertise with long-term responsibility for software quality and modernisation, building client partnerships that last more than a decade.
Turning AI opportunities into practical financial solutions
AI is becoming part of everyday banking operations, from fraud detection and risk management to customer service and internal processes. Helmes combines over a decade of AI experience with financial software development expertise to help institutions identify where AI can deliver business value. Our AI Value Scan assesses potential use cases, prioritises opportunities and provides a practical roadmap for implementation.
Our work in banking and finance sector
Digital trust solutions for Keyfactor
Helmes has partnered with PrimeKey, now part of Keyfactor, to develop digital trust and identity security solutions that help enterprises and governments securely manage identities, authentication, and digital signatures.
- Global customer base
- Long-term partnership
Digital operations for Bonnfinanz
Helmes helped Bonnfinanz establish its IT landscape after becoming an independent company. A central integration platform automated data exchange, reduced manual work, and gave advisors access to up-to-date customer information.
- 250K docs digitised
- 5M records processed
Ticketless parking at scale
Helmes partnered with Autopay to build a ticketless parking platform that automates vehicle identification and payments, helping operators simplify parking management and giving drivers a faster, frictionless experience.
- 3.5M+ users
- 2M transactions/week
Modernising a Swiss buy now, pay later platform
Helmes helped a Swiss buy now, pay later (BNPL) provider consolidate its payment platform by migrating 140 million transactions without service interruption. The project unified transaction data while maintaining business continuity, creating a more consistent foundation for payment processing and future development.
- 140M transactions migrated to the unified platform
- Zero downtime during migration of business-critical payment data
Designing a simpler mobile payments experience
Helmes designed the UX/UI for Perlas Go, bringing bill payments, taxes, transfers and other financial services into a single mobile experience. The project combined complex payment journeys, prototyping and usability testing to deliver a user-validated design ready for development.
- 2,400+ terminals in Perlas Network’s financial services network across Lithuania
- Development-ready mobile payment experience, designed and validated with users
Secure cross-border collaboration for financial organization
Helmes developed a secure SharePoint-based platform for an international financial organisation, replacing fragmented email communication with centralised document management, automated workflows and role-based access controls. The solution improved information sharing, reduced manual work and strengthened compliance across international operations.
- 30% improvement in communication efficiency and information distribution
- 50% reduction in communication delays for regional agents
Automating financed emissions reporting for a global financial institution
Helmes developed an Azure Databricks-based solution for an international financial institution to automate greenhouse gas emissions calculations and reporting across loan and investment portfolios. The platform replaced manual data processing with automated workflows, improving data quality, reporting efficiency and scalability.
- 55% faster API calls for financial data processing
- 10 months to deliver an automated emissions reporting solution
Legacy banking modernisation without disrupting operations
Helmes helps banks assess and modernise legacy systems while maintaining business continuity. In one banking migration project, we analysed 100+ applications, identified what to migrate, retain or replace, and assessed long-term costs. Read more about our experience in legacy banking modernisation.
Software solutions for banking and financial companies
Payments & transaction processing
Digital banking & self-service
Financial data & analytics
Banking integrations & automation
Core banking modernisation
Fraud detection & transaction monitoring
Digital identity, trust & accessibility
Financial regulation & public finance
Don’t see your solution here?
We’ve developed many more custom software solutions for banks, financial service providers and fintech companies. We’re happy to discuss how our experience could support your financial systems, operations and business needs.
Proven expertise in finance and banking software
Standards, regulations and financial industry technologies
- DORA – Digital operational resilience, ICT risk management and security requirements for financial institutions
- PSD2 – Payment services regulation, secure payments and third-party integrations
- GDPR – Personal data protection and secure handling of financial customer information
- eIDAS – Electronic identification, digital signatures and trust services
- SWIFT – Financial messaging and secure data exchange between financial institutions
- ECB financial data exchange – Integration and monitoring of financial data exchange with the European Central Bank
- CESOP – EU cross-border payment information reporting and tax transparency
- EN 301 549 & WCAG – Accessibility of digital banking services, websites and financial documents
- Enterprise Service Bus (ESB) & messaging middleware – Integration of core banking systems, financial market infrastructure and internal and external data exchange services
- X-Road – Secure data exchange between public financial systems and national registries
Technical expertise for financial systems
- AI-assisted development and testing to support software quality, maintainability and efficient delivery in complex financial environments.
- Financial data management and systems integration connecting core banking platforms, payment services, enterprise data warehouses, regulatory systems and existing financial infrastructure.
- Stable, experienced delivery teams with 5+ years of working together, combining technical expertise with an understanding of business-critical financial processes and long-term client needs.
Fraud detection and transaction security
Helmes has developed fraud detection and transaction monitoring systems for banks, including integrations with existing banking infrastructure. For the Estonian Tax and Customs Board, we also developed a cross-border payment reporting solution supporting the identification of potential VAT fraud across the EU.
Our experts in finance software
Building and modernising financial systems often involves balancing security, compliance, operational continuity, and customer expectations. During a free consultation, you’ll speak directly with experienced specialists who understand these challenges and can help you explore the best path forward.
You will be in good hands
Our customers consistently rate us as the best external software development partner. We achieve this through long-term collaboration, stable delivery teams, and deep domain knowledge.
Trusted by leading organisations across enterprise, government, and regulated industries, we support clients through development centres in Estonia, Latvia, Lithuania, and Poland, with additional offices in Switzerland, Germany, India, Nigeria, the USA, and Uruguay.
Frequently asked questions
How do you help banks modernise legacy systems without disrupting day-to-day operations?
We support phased modernisation, integration with legacy environments, and gradual migration of critical functions and data so core services remain stable and uninterrupted.
Can you support instant payments and verification of payee?
Yes. Payment platforms can be designed to support instant-payment workflows and verification-of-payee requirements introduced under the EU Instant Payments Regulation.
How do you address DORA requirements in financial software?
We design for resilience from the start, with strong security, auditability, incident readiness, and robust third-party integrations aligned with the EU’s DORA framework.
What types of financial organisations do you work with?
We work with commercial banks, financial services providers, fintechs, payment businesses, public finance organisations, and other regulated institutions that need secure, business-critical digital solutions.
How do you collaborate with finance and banking companies?
We offer flexible collaboration models, including dedicated product teams, hybrid teams, consulting, and specialised support.
How does cooperation typically start?
Usually with a discovery discussion where we analyse your current systems and define the best approach to move forward.
Can your systems support open finance and customer-controlled data sharing?
Yes. We can design financial platforms for open-finance use cases, including customer-controlled data sharing aligned with the EU’s proposed Financial Data Access framework.
Do you build fraud detection and transaction monitoring solutions?
Yes. We develop systems that help financial organisations monitor transactions, detect suspicious activity, and strengthen trust in digital services.
How can Helmes help financial institutions identify valuable AI use cases?
Helmes combines financial software development experience with more than a decade of AI expertise. Our AI Value Scan helps organisations assess potential use cases, prioritise opportunities and develop an implementation roadmap before committing to development.
Can you improve accessibility in digital banking and payment services?
Yes. We help organisations design more accessible digital services in line with the EU-wide accessibility requirements that apply to banking and payment services.