The race to innovate never stops
The reality? Fintechs must innovate faster while maintaining trust, security, and regulatory compliance.
Fixed-time, fixed-budget AI solutions for fintech
We're not another dev shop that misses deadlines. We deliver working solutions.
Secure, fast, intelligent payment experiences - Real-time transaction fraud detection with ML - Payment routing optimization - Chargeback prediction and prevention - Account takeover detection - Behavioral biometrics and anomaly detection - Reduce fraud losses by 60% while minimizing false positives
Smarter lending, better risk management - Alternative credit scoring with non-traditional data - Automated underwriting and decisioning - Income verification and fraud detection - Loan portfolio risk monitoring - Collections optimization with ML - Dynamic pricing and risk-based offers - Approve 30% more creditworthy borrowers
Democratize wealth management with AI - Automated portfolio management and rebalancing - Personalized investment recommendations - Tax-loss harvesting automation - Risk tolerance assessment - Market analysis and prediction models - Goal-based financial planning
Beautiful, intuitive financial experiences - Mobile-first banking and payment apps - Personal financial management (PFM) tools - Multi-currency wallets and exchange platforms - Cryptocurrency trading and custody - Bill payment and subscription management - Peer-to-peer payment systems
Automate compliance without sacrificing speed - Automated KYC/AML screening - Identity verification with biometrics - Transaction monitoring and SAR filing - Regulatory reporting automation - Sanctions screening and watchlist monitoring - Reduce onboarding time by 70%
Data-driven decision making - Customer lifetime value prediction - Churn prediction and retention modeling - Product recommendation engines - Revenue and profitability analytics - A/B testing and conversion optimization - Market intelligence and competitive analysis
From product vision to go-to-market strategy - Product-market fit assessment - Competitive analysis and positioning - Technology stack evaluation and roadmap - Regulatory compliance strategy - Growth modeling and unit economics - Fundraising preparation and investor materials
Fixed 4-week sprint delivery for working products - Payment processing platforms - Lending and credit applications - Investment and wealth management tools - Cryptocurrency and blockchain solutions - API integrations with banking infrastructure - Cloud deployment with financial-grade security
Custom AI in 4-week sprint cycles - Credit risk and fraud detection models - Transaction categorization and insights - Customer churn and LTV prediction - Portfolio optimization algorithms - Price optimization and dynamic pricing - Conversational AI for customer support
Challenge: - Traditional credit bureaus rejecting 40% of applicants - Manual underwriting unable to scale - High fraud rates in digital-only environment - Customer acquisition costs too high
di-factory Solution:
Phase 1 - Consulting (4 weeks) - Product strategy and market positioning - Regulatory compliance roadmap - Technology architecture design
Phase 2 - MVP Development (4 weeks) - Loan application platform (web + mobile) - Automated underwriting workflow - Borrower portal and servicing
Phase 3 - AI Enhancement (4 weeks) - Alternative credit scoring model - Application fraud detection - Income verification automation
Expected Results: - 30% increase in approval rates - 70% reduction in underwriting time - 50% decrease in fraud losses - 60% automation of decision-making - Path to profitability 6 months faster
Get to market fast with limited runway - MVP development and AI features (6-8 weeks) - Fixed scope with core functionality - Foundation for iteration and fundraising - Ideal for: Pre-seed and seed-stage companies
Add new capabilities rapidly - Single feature or AI model (4 weeks) - Integrate seamlessly with existing platform - Quick value demonstration - Ideal for: Growth-stage fintechs
Ongoing innovation and scaling support - Dedicated development team - Rolling sprints with prioritized backlog - Strategic product and technology advisory - Ideal for: Series A+ companies scaling rapidly
4-week sprints ยท GO/NO-GO memo your board can sign - Digital maturity assessment across payments, lending, compliance - Regulatory alignment map (CNBV / SEC / SUGEF) - Fraud/AML program benchmark vs. industry leaders - Data infrastructure readiness diagnostic - Growth-model diagnostic
4-week sprints ยท production-ready, your team owns the code - Onboarding + KYC/AML flow - Lending origination + decisioning - Payments/wallet workflow - Robo-advisory front-end - Merchant-portal for BNPL
2โ4 weeks per model ยท your data, your infra, your team learns alongside - Credit scoring (alt-data enabled) - Real-time transaction fraud detection - Propensity + churn prediction - CAC/LTV optimization - AML anomaly detection - Coordinated model suite (6โ8 weeks ยท 2โ3 models with shared eval harness)
Every engagement is fixed timeline, fixed scope. Code + models + docs delivered to your team. Investment sized to your data + integration reality โ shared on the first call.
With di-factory, you can: - Launch your MVP before competitors - Iterate based on real user data - Scale efficiently with AI automation - Maintain compliance while moving fast
The fintechs that ship faster will capture the market.
Ready to accelerate your fintech innovation?
Website: di-factory.biz Email: contact@di-factory.biz Phone: +52 55 1357 0947 LinkedIn: linkedin.com/company/difactory
Fixed time. Fixed budget. Real results.