Software Consulting for UK FinTech -- Compliance Built In

UK FinTech Software Consulting Market

UK FinTech software consulting in 2026 covers five distinct engagement types: (1) FCA PS21/3 IBS advisory (mapping Important Business Services, setting Impact Tolerance, designing CloudWatch Synthetics monitoring -- 2-4 week engagement), (2) FCA Consumer Duty technical audit (identifying Consumer Duty legacy failures -- cancellation journey, renewal pricing, fee transparency -- 2-day assessment), (3) AML technology review (reviewing transaction monitoring system effectiveness -- false positive rate, NCA ELMER typology alignment -- 3-5 day assessment), (4) Open Banking architecture review (AISP/PISP integration review -- TrueLayer configuration, 90-day consent, UK GDPR -- 2-3 day review), (5) FinTech cloud security assessment (AWS security posture for FCA PS21/3 -- CE Plus readiness, ISO 27001 gap analysis -- 3-5 day review).

FCA PS21/3 Advisory Engagement

ClickMasters FCA PS21/3 advisory: (1) IBS mapping workshop (1 day with CTO and Head of Engineering -- identify all customer-facing services, apply IBS criteria, draft IBS inventory), (2) Impact Tolerance workshop (1 day with board representative -- set Impact Tolerance per IBS -- industry benchmarks provided: payments 2 hours, current account 4 hours, card services 4 hours), (3) monitoring design (2 days -- design CloudWatch Synthetics synthetic canaries per IBS, DLQ monitoring, canary deployment architecture), (4) evidence gap analysis (1 day -- review current CI/CD pipeline against PS21/3 quarterly board report requirements), (5) roadmap (PS21/3 implementation plan, prioritised by risk). Typical PS21/3 advisory engagement: 5-8 days, GBP6,000-GBP18,000. Post-advisory: implementation either by client engineering team or ClickMasters staff augmentation.

Consumer Duty Technical Audit

ClickMasters Consumer Duty technical audit (GBP5,000 fixed price, 2 days on-site): (1) Customer journey mapping (senior engineer and UX specialist walk every customer-facing journey -- sign up, renewal, cancellation, complaint, product change), (2) cancellation journey (is digital cancellation possible? How many clicks vs sign-up? Consumer Duty requires parity), (3) renewal pricing (does renewal display show new customer equivalent price? PS21/11 compliance check), (4) accessibility scan (axe-playwright scan of all customer journeys -- zero WCAG 2.1 AA violations required), (5) plain English check (Flesch-Kincaid readability of all customer-facing content -- Grade Level 8 or below for Consumer Duty consumer understanding outcome). Deliverable: Consumer Duty technical compliance report with prioritised remediation actions.

FinTech Architecture Review

ClickMasters FinTech architecture review (GBP8,000-GBP15,000, 3-5 days): (1) architecture documentation review (C4 diagrams, ADRs, IBS dependency map -- are they current?), (2) AWS security posture (Security Hub findings, GuardDuty alerts, CE Plus A1-A5 gap analysis), (3) CI/CD pipeline review (GitHub Actions security evidence generation -- Semgrep, Trivy, ZAP, Dependabot), (4) database security (PostgreSQL RLS, encryption at rest -- KMS key separation, IAM least privilege), (5) incident management review (PagerDuty routing, on-call rota, post-mortem culture -- PS21/3 expects documented incident response). Deliverable: architecture review report with CVSS-scored findings and remediation priorities.

FCA PS21/3

FCA Consumer Duty

AML MLRs 2017

UK GDPR

ISO 27001

Cyber Essentials Plus