WHO WE WORK WITH
Tap into the extraordinary with modern banking fintech
The banking and financial services sector is currently navigating a transformative landscape marked by rapid change and complexity. Various forces are reshaping the value chain across all financial markets, creating both challenges and opportunities.
How can your organization thrive amid competing priorities for capital, resources, and leadership focus? Established banks, innovative fintech companies, and investment firms leverage our extensive expertise as a financial tech firm to navigate this unprecedented disruption and achieve sustainable growth.

Crypto solutions
The banking sector is undergoing a significant transformation, and we empower institutions to navigate the seas of cryptocurrencies with confidence. We can accompany clients in their aim to enable secure, efficient transactions that address the unique needs of crypto investors. Show More
Digital payment solutions
Now more than ever, BFSI companies must stay abreast of digital trends and regulatory demands. From digital cross border payments, to contactless payments and e-wallets, we collaborate with our clients to design payment solutions that adapt to the needs of modern enterprises. Show More
Wealth management tech
With investors seeking personalized digital interactions that challenge age-old norms, we partner with next-gen finances companies to enhance their service offerings and harness data and AI to address the fast-evolving demands of today’s investors – think fractional investing, ETFs, and more. Show More
AI agents
With smart, personalized support, change the way you connect with your customers using AI agents. We work with banking & finance organizations to help them engage with their audiences in real-time, making interactions smoother and more efficient than ever. Show More
eCommerce and trade finance
Immerse in today’s digital economy. We help businesses of all shapes and sizes streamline financial operations and improve market access. From innovative trade finance services to seamless eCommerce solutions, our clients are at the forefront of change in trade and commerce. Show More
RegTech & compliance
Stay ahead of the curve in regulatory and compliance, we support our clients in simplifying, standardizing and automating processes. We help you reduce risks and focus on what really matters—growing your business in a secure environment. Show More
Our clients include


Banking & Finance | PALO IT Client Story
Carbon credit trading platform
Carbon credit trading platform
Challenge:
Climate Impact X faced challenges in establishing a transparent and efficient carbon trading market, hindered by inadequate governance and regulations.
Solution:
PALO IT partnered with CIX to co-design and build the CIX Exchange, a spot trading platform for buying and supplying verified carbon credits through standardized contracts and listings.
34
Verified nature-based projects: Opening the doors for trading diverse carbon credits, and making the market more accessible to all.
12K tons
Of carbon credits on the first standardized contract (CIX Nature X): Showcasing early market activity and immediate impact on carbon credit trading trends.
100
Core market players involved during the launch phase: Showing strong engagement from industry stakeholders – crucial for building trust and ensuring success.
Banking & Finance | PALO IT Client Story
Future-focused API strategy
Future-focused API strategy
Challenge:
Banco Santander sought to develop open APIs to facilitate easy integration with external applications and internal APIs for the rapid launch of new products. The obstacle was to create an API strategy and business model that would support this initiative while ensuring compliance with regulatory standards.
Solution:
PALO IT defined an API strategy aligned with the bank's strategic objectives, created an architectural framework, and established governance models for API lifecycle management. This approach ensured secure exposure of APIs while automating processes from request to deployment.
1st
Implementation of the banking as a service (BaaS) model.
40%
Improved quality, and reduction in defects.
2-3x faster
Time-to-market.
Banking & Finance | PALO IT Client Story
Transforming into a data-driven organization
Transforming into a data-driven organization
Challenge:
DBS aimed to improve the use of its data across various touch points. Significant pain points in accessibility and usability hindered effective application. Consequently, structuring data knowledge to facilitate frictionless access, discovery, understanding, and trust in the bank’s data became a key goal.
Solution:
PALO IT worked with DBS to develop a metadata and context modeling strategy guided by principles that balanced time-to-metadata with time-to-information delivery. This involved digitizing, automating, and crowdsourcing processes wherever possible.
50%
Reduction in time spent on data discovery and analysis.
2x
More users actively accessing data platforms.
50%
Increase in the reuse of foundational data assets across projects.
Banking & Finance | PALO IT Client Story
Real-time payment solutions
Real-time payment solutions
Challenge:
YellowPepper enables issuers to quickly launch card and account-agnostic real-time payment solutions while offering value-added services such as tokenization, identity validation, and risk tools. Following its acquisition by VISA, YellowPepper aimed to enhance its service offerings.
Solution:
PALO IT collaborated with YellowPepper on multiple projects, including the Visa Token Service Provider (V-TSP) and Issuer Token Service Provider (I-TSP), which facilitate secure transactions. The integration of an open API allows for seamless interaction.
4 million
Customers served over its secure network.
25 million
Transactions processed a month.
40+
Banks, companies, and financial institutions with established integration.