Fintech

Custom Software, AI Features, and Secure Delivery for Fintech Teams

From Singapore - engineering from Vietnam. Custom development, AI features, and security-conscious delivery for fintech products.

Market context

A regional fintech hub built on reputation, talent, and infrastructure

Singapore is Southeast Asia's fintech center. The opportunity is real - and so is the bar for engineering quality.

1,300+

Fintech firms operating in Singapore - the largest fintech ecosystem in Southeast Asia.

Source: Monetary Authority of Singapore (MAS)

S$150M

MAS Financial Sector Technology and Innovation Scheme (FSTI3.0) - co-funding fintech innovation 2025-2028.

Source: Monetary Authority of Singapore (MAS)

USD 13.97B → 29.22B

The projected size of the Asia-Pacific fintech market by 2030, growing at 20.2% CAGR from 2024.

Source: Mordor Intelligence, Singapore Fintech Market (2026).

What we build for fintech teams

Four areas where we deliver for fintech teams

Custom engineering for specific fintech use cases - not a packaged fintech product suite.

Payment integration and processing

Integrating payment gateways, e-wallets, QR payment networks, and bank APIs into customer-facing products and back-office systems. We have experience integrating Stripe, regional e-wallet providers, and QR payment standards. Typical work includes checkout flows, recurring billing, refund handling, and reconciliation tooling.

Customer-facing fintech applications

Mobile and web apps for digital banks, wealth platforms, lending, and insurance products. This includes onboarding flows, KYC integrations (Sumsub, Onfido, Jumio, or equivalents), authentication, dashboards, and transaction history. We focus on the application layer and partner with your compliance team on regulated decisions.

AI features for finance

AI capabilities embedded into fintech products, including document processing for KYC and onboarding, transaction anomaly detection, conversational AI for customer service, and risk scoring models. Adamo's AI services are a core capability, built with the same engineering discipline used across regulated industries.

Back-office and operation tools

Internal admin dashboards, reconciliation tools, reporting systems, and operational workflow software. This is often where fintech teams have the most engineering debt - customer-facing products get attention, but ops tools accumulate workarounds. We build these systems to be auditable, with clear data lineage and event logging from day one.

Where AI fits in fintech work

Where AI is actually useful, and where it isn't

Three areas where AI adds measurable value to fintech products today.

01.

Document processing and KYC automation

Extracting structured data from identity documents, proof-of-address, and corporate filings during onboarding. This reduces manual review queues by 40-70% in well-scoped projects. The hard part is not the model, it is handling edge cases, document quality variation across markets, and creating audit trails for compliance review.

02.

Transaction anomaly detection

Pattern detection on transaction flows to surface unusual behavior for human review. This is not full fraud prevention, it is a triage layer that reduces the workload on fraud analysts. We build these as part of customer products or back-office tools, with explainability features so analysts can understand why a transaction was flagged.

03.

Conversational AI for customer support

Chatbots and assistants for tier-1 customer queries: balance inquiries, transaction history, basic dispute initiation, and FAQ resolution. Done well, these reduce contact-center volume meaningfully. Done poorly, they can quickly damage trust, so we recommend conservative scope, clear human handoffs, and careful evaluation before launch.

When we recommend against AI

Final approve/deny decisions on lending, regulatory reporting that requires explainability, and any decision where the consequence of a wrong output cannot be reversed. AI should support these workflows, not replace human judgment in them. We will flag this early if a project scope drifts in this direction.

Why Adamo

Three reasons fintech teams choose us

01.

Engineering quality at sub-enterprise pricing

We deliver to enterprise-grade engineering standards (ISO 27001, code review discipline, secure development practices) at price points that work for mid-market fintech firms (200-1,000 employees, USD 50M-500M revenue). For teams that have outgrown freelance or boutique vendors but are not ready for Big 4 fees, we sit comfortably in the middle.

02.

AI capability built in, not bolted on

Our AI services are a core practice across industries, not a marketing add-on. If your fintech roadmap includes AI features (document processing, fraud signals, conversational AI), you get an engineering partner that has built these systems before, in domains where reliability matters.

03.

Singapore engagement, Vietnam engineering

Our Singapore office handles consultation, account management, and on-the-ground project coordination. Engineering is delivered from Vietnam, where we have 170+ engineers and lower cost structure. You get APAC time-zone responsiveness without paying Singapore engineering rates.

Considering Adamo for a fintech engineering project?

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FAQs

Frequently asked questions

Do you have MAS-licensed clients or PSA-regulated project experience?

Our current portfolio does not include MAS-licensed financial institutions. We work with fintech teams on engineering scopes that do not require us to operate as a regulated party, for example, application-layer development, AI features, and back-office tooling. Regulatory decisions remain with your in-house compliance team or external counsel. If your project requires a vendor with direct MAS licensing or PSA-regulated experience, we are happy to recommend specialist firms.

What security certifications and practices do you have?

Adamo holds ISO 27001 (information security management) and ISO 9001:2015 (quality management). These are real certifications, verifiable through our certifying bodies. Our engineering practices include mandatory code review, dependency scanning in continuous integration, secrets management, encrypted communications, audit logging, and coordination with third-party penetration testing firms on production launches where scope requires it. We can share our security documentation under NDA during evaluation.

How do you work alongside our compliance team?

On regulated fintech projects, we expect a compliance counterpart on your side from kickoff. We will translate compliance requirements into engineering constraints (data retention, access patterns, audit logging, change control), document those decisions, and surface anything we are uncertain about rather than guessing. This is slower than working without a compliance review loop, and that is the right trade-off.

Do you have experience integrating third party KYC, AML, or payment processing services?

Yes. While we do not act as the regulated entity, our dedicated development teams have extensive experience architecting and integrating industry-standard APIs for KYC/AML (e.g., Sumsub, Onfido) and secure payment gateways. We handle the strict technical implementation, including secure data handoffs, webhook management, and payload encryption, while your in-house team maintains the direct vendor relationships and defines the business risk rules.

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hello@adamosoft.sg(+84) 373 11 44 88
Address: 470 North Bridge Road, #05-12, Bugis Cube, Singapore 188735
Development Centre: 16B Floor, Song Da Tower, 18 Pham Hung, Tu Liem, Hanoi, Vietnam