Accelerate Your Operations with Enterprise-Grade Software Solutions for the Financial Industry
The financial sector is too critical to leave anything to chance.
Reliable, carefully designed software solutions are essential for security and compliance. STX Next provides custom-built, cross-domain teams with expertise in engineering, AI, data engineering, and cloud technologies.
Our Services
Don't let outdated software and inefficient infrastructure slow you down.
Transform your operations with scalable architecture, compliant cloud solutions, solid data engineering foundations, and AI-driven features.
1. Unified Financial Data Foundation
Bring every policy, claims, and customer data source together into a single AI-ready foundation. This solution gives your teams a 360-degree customer view, regulatory-ready data pipelines, and a governed lakehouse architecture designed for security and scale.
What it enables:
- A single source of truth for policyholder and risk data
- Unified view of customer journey (from quote to claim)
- Faster regulatory reporting (IFRS17, Solvency II) and reduced manual reconciliation
- Accurate foundations for risk modeling and fraud detection
- AI-ready infrastructure for future automation and underwriting
2. Agentic AI Workspaces for Underwriting & Sales
A secure, private AI workspace; your command center for AI inside the organization. It connects your internal knowledge bases (policy documents, guidelines, historical claims), and powers department-specific copilots that answer complex coverage questions and automate drafting.
What it enables:
- No more hunting through PDF policy wordings and legacy files
- Secure, governed use of LLMs (No data leakage)
- AI responses grounded strictly in your underwriting guidelines
- Department-specific copilots (Claims, Underwriting, Sales, Legal)
- Private deployment ensuring data sovereignty
3. AI Feature Development for FinTech Products
Add modern AI capabilities to your core platform without building an internal data science army. We help you integrate practical, high-impact AI into your product, from automated claims processing to intelligent fraud prevention.
What it enables:
- AI-assisted claims damage recognition (Computer Vision)
- Automated document processing (OCR/NLP for policies and claims)
- Predictive models for churn, fraud, and risk scoring
- LLM-powered customer support and advisor assistants
- Real-time compliance and AML (Anti-Money Laundering) checks
4. Core System & Platform Modernization
Upgrade the outdated software you’ve outgrown while ensuring business continuity. We modernize legacy insurance and banking systems into flexible, scalable architectures that support open finance APIs, faster product launches, and cloud reliability.
What it enables:
- Decoupling legacy back-ends from digital front-ends
- Modular architecture ready for embedded insurance integrations
- Microservices to replace rigid mainframe logic
- Faster, more intuitive UX for brokers and customers
- Cloud-native architecture with enterprise-grade security
5. AI-Powered Risk & Pricing Engine
Give actuaries and product managers the agility to price dynamically. Our AI-powered optimization engine analyzes risk patterns, market data, and behavioral inputs to recommend smarter pricing and risk selection in real time. It adds intelligence to your underwriting without adding operational complexity.
What it enables:
- Dynamic, hyper-personalized pricing models
- Real-time risk assessment and acceptance
- AI scoring for lead quality and loss probability
- Portfolio balancing and forecasting
- Modeling for claim severity and frequency
6. Executive & Regulatory Dashboards
Turn raw financial data into decision-ready insights with dashboards built around compliance and growth. Using market-validated best practices and tools like Power BI, Tableau, or QuickSight, we design analytics experiences optimized for clarity, governance, and speed.
What it enables:
- Clear views on Loss Ratios, GWP, and Combined Ratios
- Consistent metric definitions powered by a unified data layer
- Fast access to portfolio health and broker performance
- Better alignment between underwriting, claims, and finance teams
- Audit-ready visualizations for regulatory compliance
7. Digital Policy Lifecycle Modernization
Increase policy sales with a modern, friction-free purchase flow. We optimize quoting engines, upgrade payment gateways, and integrate modern billing systems so you can grow premiums with fewer drop-offs and seamless renewals.
What it enables:
- High-converting "Get a Quote" flows (Direct-to-Consumer)
- Smarter, flexible billing and premium financing logic
- Multi-platform self-service portals, web, desktop, and mobile
- Seamless bridging between legacy ERP and modern payment providers
- Integrations with Stripe, Adyen, and core banking/insurance ledgers
8. Personalization & Cross-Sell Layer
Offer the right coverage to the right customer, at the exact moment of need. Our AI personalization engines utilize life-event data and behavioral signals to drive deeper engagement, higher retention, and effective cross-selling of financial products.
What it enables:
- Personalized coverage recommendations based on life events
- Next-best-action models for agents and brokers
- Real-time customer segmentation
- Microservices that scale with user activity during peak enrollment
- Increased policy density per customer
Financial Sectors We Support
Deep expertise across the entire Financial Services ecosystem
Our extensive portfolio spans FinTech, insurance, banking, and financial services, primarily serving enterprise and mid-market companies across the US, Europe, and the UK.
Break free from legacy systems holding back your growth. Expand your operational capabilities with modern web solutions, claims management systems, and powerful data platforms.
Legacy Modernization
Transforming monolithic pension and benefits systems into scalable web platforms (e.g., migrating from Fortran to Python).
Claims & Policy Automation
Building real-time claims management systems that support policy validation, fraud detection, and payments for the gig economy.
Data Integration
Consolidating terabytes of disparate insurance and customer data into a single source of truth for reporting and sentiment analysis.
Digitize the loan lifecycle – from origination to payout – streamlining complex workflows for banks and specialty lenders.
Digital Lending Portals
Developing secure, responsive web apps for managing loan inquiries and customer data updates for major banking groups.
Lease Financing Engines
Building real-time calculation engines that evaluate hundreds of leasing offers instantly to accelerate deal closures.
Mortgage & SME Finance
Digitizing manual applications for niche lending (e.g., RIO mortgages) to reduce processing times and improve broker connectivity.
Build high-performance tools for portfolio management and quantitative research, with real-time visualization of complex data.
Portfolio Visualization
Modernizing internal dashboards to help product managers simulate outcomes and analyze project performance.
High-Frequency Data Platforms
Creating responsive interfaces for hedge funds that handle vast market data inputs for real-time decision-making.
Advisory Automation
Automating reconciliation of thousands of bank transactions to save thousands of staff hours annually.
Optimize cash management and liquidity planning through scalable, cloud-native platforms.
Automated Risk Assessment
Integrating global data sources to perform real-time CDD (Customer Due Diligence) and KYC (Know Your Customer) checks.
Regulatory Intelligence
Building AI-powered engines that ingest and analyze financial crime data to ensure international legal compliance.
Tax & Audit Workflows
Developing secure, multi-tenant platforms for tax provision calculation and legal entity management.
Optimize cash management and liquidity planning through scalable, cloud-native platforms.
Treasury Management Systems
Enhancing SaaS platforms to support complex payment formats (EDI820, MT101) and real-time liquidity visibility.
Financial Planning Tools
Building robust solutions to manage, plan, and track investments and marketing spend across global operations.
We empower advisors with AI-driven insights to deliver personalized client recommendations.
AI-Powered Advisory
Creating intelligent assistants that help users make personalized retirement and financial decisions using next-best-action logic.
Interactive Planning Tools
Refactoring legacy codebases to deliver modular, scalable financial planning assistants.
Trusted by Leaders in the Insurance and Finance industries
STX Next specializes in software solutions for the finance sector. We have built our experience on dozens of projects for enterprise and mid-market clients working in Insurance, Wealth Management, Banking, FinTech, and TaxTech.
Improved data discovery and research workflows with a custom toolkit for an investment platform
Man Group, a global investment management enterprise, needed a unified suite of digital tools to enhance portfolio managers’ ability to filter projects, assess risk, analyze funds, and visualize performance.
The STX Next team designed and developed 16 advanced applications with user-centric interfaces that bring data discovery and decision-making to the forefront.
Users can now work with streamlined data views and tools tailored to their workflows, improving operational efficiency and increasing resource transparency.
UK
Custom compliance automation tool reduced IRS QI calculation time from hours to seconds
Hartford Consulting, a UK-based financial consultancy specialising in regulatory risk and compliance, needed to replace a time-consuming, spreadsheet-based process for calculating IRS Qualified Intermediary (QI) periodic review samples.
The STX Next team built a secure, intuitive IRS QI Periodic Review Safe Harbor Sample Calculator – a web-based application that automates complex sample size calculations previously. Utilizing custom algorithms, data import capabilities (CSV/XLSX/Sheets), and automated reporting, the tool reduces calculation time from hours to seconds.
UK
Custom leasing financing system shortens the time needed to prepare initial offers by 50% & reduces time to payout by 30%
Volkswagen Bank Leasing Poland needed a powerful digital platform to streamline vehicle leasing processes across dealerships and the bank.
The STX Next team developed a full-stack financing system that enables intuitive negotiation of financial parameters, comparison of hundreds of offer variants, and automated decisioning and compliance reporting.
Built with Python (Pyramid), JavaScript, and integrated with external banking systems, the solution cut the time for initial offers by 50% and reduced time to payout by 30%, while supporting diverse client types and financing options throughout the Volkswagen dealer network.
Poland
What our clients say about us
Even though we believe that our work speaks for itself, we are always grateful for words of appreciation from our clients.
Client
testimonial
They’re very inquisitive engineers, plugged-in designers, and want to know your business in a genuine way.
From the very start of the data catalog piece they built for us, they were thinking about how to track adoption metrics for this tool when it gets released into the world. We have a set of metrics for that particular tool that we can see the uptake in our user base. I can only characterize it as a success.
Man Group
Client
testimonial
We gave them a very high-level brief and left the rest in their hands. The app works perfectly, and they came in on time, on budget, with no outstanding issues.
They obviously love what they do and like taking on projects that are a bit different. We definitely want to work with them on more projects going forward.
Hartford Consulting
Client
testimonial
When I came to my current company, we went through an evaluation process and considered nearshore providers in various countries. Ultimately, we found STX Next.
The quality they offered and the fact that I had access to the teammates I had previously worked with on a different project gave me the confidence that they could execute our complex project as well. I didn’t want to risk working with unknown people, so I chose to bet on STX Next because I knew they could provide quality resources.
B Generous
Who We Partner With
We work with leaders across the financial ecosystem to modernize core technology and accelerate digital transformation.
AWS
snowflake
Azure
cloudferro
n8n
squirro
stackit
Why STX Next?
Your Partner in secure, compliant, and AI-powered software delivery
When complexity demands specialists, STX Next stands out among leading web development companies for your AI development services:
Domain Expertise
Deep experience in financial services enables us to understand your challenges and deliver solutions tailored to the specifics of your industry.
Client Centricity
We care about your business as if it were our own, and every decision we make is guided by your best interests in mind.
Security First
STX Next is ISO 27001 certified, ensuring that your data and infrastructure meet strict compliance standards.
Practical AI
We don't fall for AI hype and only recommend solutions that truly translate into your business value.
Legacy Modernization
Proven track record of migrating complex financial systems without business disruption.
Speed to Market
Our delivery process and accelerators are designed to help you get the fastest return on investment and shorten time-to-market.
You earn the trust of your team through the miles that you run together. Over the years, we ran a number of marathons together with STX […] working and sweating side by side. That creates a strong sense of team – not only within STX, but also in the cooperation between Decernis and STX. I really don’t have doubts that if I need something […] they’re there to work with me.
Don’t just take our word for it:
Man Group
Ready to innovate your Finance business?
Contact us today to reshape your business with customized Finance solutions.
FAQ
Does STX Next have real experience in the financial services industry?
Yes. STX Next has delivered production-grade systems for banks, FinTechs, investment firms, insurers, and regulatory organizations across the US and Europe. Our portfolio includes digital lending platforms, wealth management tools, compliance engines, treasury systems, and data platforms for companies such as Man Group, Volkswagen Financial Services, Hartford Consulting, HypoVereinsbank, and PwC.
Can you modernize legacy financial systems without disrupting operations?
Absolutely. We specialize in gradual, low-risk modernization of mission-critical systems. Our teams decouple legacy back-ends from modern front-ends, migrate monoliths to modular architectures, and refactor systems incrementally – all while ensuring business continuity, regulatory compliance, and zero downtime for end users.
What types of financial institutions do you work with?
We support a wide range of organizations, including banks, lenders, leasing companies, asset and wealth managers, FinTech startups, RegTech providers, corporate finance teams, and financial advisory firms. Our experience spans both enterprise-scale organizations and fast-growing mid-market companies.
What technologies does STX Next use for financial software development?
Our core stack includes Python, cloud platforms (AWS where STX Next is an Advanced Tier Services Partner, Azure, GCP), modern data platforms (Snowflake, Databricks, Redshift, ClickHouse, BigQuery), workflow orchestration tools (dbt, Airflow, n8n), and enterprise-grade frontend frameworks. Technology choices are always driven by security, compliance, scalability, business-fit, and long-term maintainability.
Do you support financial data engineering, analytics, and reporting?
Yes. We build unified financial data foundations, analytics-ready platforms, and executive dashboards that support regulatory reporting, audit requirements, and real-time decision-making. Our solutions handle large-scale data ingestion, governance, and visualization for finance, risk, and compliance teams.
Can you help us implement AI in a compliant and secure way?
Definitely. We design and deploy practical, governed AI solutions tailored for regulated environments. This includes AI copilots for underwriting, sales, and advisory teams; predictive models for fraud, risk, and pricing; and LLM-powered automation – all with strict data isolation, auditability, and security controls.
Do you build customer-facing financial products or internal tools?
Both. We develop secure, high-performance customer-facing applications (e.g. digital lending portals, self-service finance tools) as well as internal platforms for analysts, compliance officers, portfolio managers, and operations teams – always with a strong focus on usability and performance.
How do you ensure security and compliance in financial projects?
Security is built into everything we do. STX Next is ISO 27001 certified, and our solutions follow best practices for access control, data encryption, observability, audit trails, and regulatory readiness. We design architectures aligned with financial regulations such as AML, KYC, IFRS, and local supervisory requirements.
What makes STX Next different from a typical financial software vendor?
We act as a long-term technology partner, not just a delivery team. Our strength lies in combining deep financial domain knowledge with engineering excellence and a pragmatic approach to AI and modernization. The result is software that scales, stays compliant, and delivers measurable business value – not just features.
