Most vendors sell you a build.
We take responsibility for the outcome.

Discovery is a flat fee in the low five figures depending on complexity. Builds range widely — a defined portal might be a two-month fixed-price engagement, while an NBFC core replacement runs twelve to eighteen months with a pod. We will give you a band at the end of discovery, and we will tell you on the first call if your budget and your ambition do not meet. That conversation is free and it saves everyone a quarter.

Discovery usually starts within two weeks of a signed NDA and statement of work. Full pods take longer to assemble — typically three to five weeks — because we staff from people already on the bench rather than hiring against your contract. If we cannot start when you need to start, we will say so rather than hold the slot.

Yes. The architect and delivery manager in your sales conversations are named in the statement of work and stay with the engagement. Engineers are named too. If someone has to change — illness, resignation, a genuine emergency — we need your agreement and we fund a two-week overlap so context transfers properly rather than through a document.

You do, from the first commit. Work happens in your repository under your organisation, deployed to your cloud accounts. Intellectual property assigns on payment of each invoice rather than at project close, so there is never a point where you have paid for something you do not own. Anything we reuse from our own libraries is licensed to you perpetually and royalty-free.

Three options, and we will recommend one honestly. You take it in-house, in which case handover includes runbooks, architecture documentation and two to four weeks of pairing with your engineers. You keep a reduced pod for ongoing releases. Or we run it under a managed operations SLA with agreed response times. Roughly a third of our clients choose each.

Yes. Eight percent of our engagements have run past the budget band, and two have been stopped mid-build — one because the client's regulatory position changed, one because we under-estimated a legacy integration and said so rather than absorb it quietly. We will walk you through both on a call if it helps you judge us. Any firm claiming a perfect record is either new or not counting.

We have delivered into thirty-five countries, but we only contract locally in the five markets where we have an entity and know the regulatory context. Elsewhere we work through your preferred jurisdiction. If your compliance team needs a local signing entity we do not have, we will tell you upfront rather than three weeks into procurement.