OpenMalo Technologies engineers secure, regulatory-compliant fintech platforms for digital banks, payment providers, lenders, and wealth managers across Australia. Our Melbourne and Sydney teams have deep expertise in Open Banking Consumer Data Right, APRA CPS 234, ASIC digital-advice obligations, AML/CTF compliance, and PCI DSS Level 1 architectures. We build the infrastructure Australia's financial sector trusts.
Australian fintech is governed by APRA, ASIC, AUSTRAC, and the RBA simultaneously. Our compliance engineers map every feature to the relevant obligation before architecture begins, avoiding costly retrofits.
Financial platforms are the primary target of sophisticated nation-state and criminal actors. We implement OWASP ASVS Level 3 security, real-time fraud-detection ML models, and hardware security modules for key management.
Australian consumers expect instant payments via the New Payments Platform (NPP) and PayID. We integrate directly with NPP gateways and build the real-time reconciliation engines that make it seamless.
The Consumer Data Right (CDR) mandates open APIs for accredited data recipients. We build accredited CDR data-holder and data-recipient software that meets ACCC technical standards and infosec profiles.
AUSTRAC enforcement actions have cost Australian fintechs hundreds of millions. Our AML/CTF program software covers customer due diligence, transaction monitoring, suspicious matter reporting, and AUSTRAC regulatory reporting.
Many challengers need to integrate with the big-four banks' legacy cores. Our banking API middleware handles ISO 20022, SWIFT, and proprietary core interfaces without exposing sensitive infrastructure.
OpenMalo Technologies has delivered more than 40 fintech products in Australia — from AFSL-holder digital-advice platforms and CDR-accredited Open Banking apps to PCI DSS Level 1 payment gateways and AUSTRAC-registered remittance software. Our fintech team in Melbourne and Sydney brings together financial services domain experts, cloud security architects, and senior engineers who have built systems processing billions of dollars in annual transaction volume.
We partner with founders building greenfield neobanks, established ADIs modernising their digital channels, and payments companies navigating ASIC's evolving regulatory landscape. Our regulatory-first engineering methodology means you go to market faster — with fewer surprises from the regulator.
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Digital banking cores, lending origination systems, and insurance platforms built for scale, resilience, and Australian regulatory compliance from the ground up.
Learn More →Consumer and business banking apps, investment platforms, and payments wallets for iOS and Android with biometric auth, PCI DSS scope controls, and real-time notifications.
Learn More →Credit scoring models, fraud-detection systems, algorithmic trading engines, robo-advisory platforms, and NLP for financial document processing aligned with ASIC guidance.
Learn More →CDR Open Banking APIs, NPP gateway integrations, ISO 20022 messaging, payment orchestration layers, and core banking connectors for the full Australian payment ecosystem.
Learn More →PCI DSS scoped penetration testing, APRA CPS 234 vulnerability assessments, SWIFT Customer Security Programme (CSP) testing, and threat-modelling for financial applications.
Learn More →APRA-compliant cloud adoption on AWS Financial Services or Azure, with immutable infrastructure, zero-trust networking, automated compliance checks, and financial-grade SLAs.
Learn More →Neobank platforms, digital-first credit unions, and ADI digital channel modernisation with NPP, Open Banking CDR, and APRA-compliant data governance.
Payment gateway development, merchant acquiring, buy-now-pay-later engines, digital wallets, and FX/cross-border payment platforms with AUSTRAC registration.
End-to-end loan origination systems, credit decisioning engines, responsible lending compliance tools, and loan management platforms for mortgage, personal, and SME lending.
InsurTech platforms covering policy administration, claims management, telematics-based pricing, and embedded insurance APIs — aligned with ASIC's product design and distribution obligations.
Robo-advisory platforms, ASIC RG 255-compliant digital-advice tools, portfolio management systems, SMSF administration software, and client-reporting dashboards.
Regulatory reporting automation, AUSTRAC AML/CTF monitoring, APRA prudential data collection (D2A), and ASIC market-integrity reporting platforms.
Australian financial services is one of the world's most heavily regulated sectors. Every fintech system we build is assessed against APRA, ASIC, AUSTRAC, and international standards simultaneously.
We design information-security frameworks, third-party risk programs, and incident-response capabilities that satisfy APRA's mandatory CPS 234 standard for APRA-regulated entities and their service providers.
For platforms providing digital financial product advice, we embed the RG 255 compliance requirements into the advice engine logic, disclosure workflows, and best-interest-duty testing modules.
Our AML/CTF program software delivers automated CDD, enhanced due diligence triggers, transaction monitoring rule engines, and AUSTRAC Online API integration for SMR and TTR lodgement.
We architect payment systems that minimise PCI DSS scope using tokenisation, point-to-point encryption (P2PE), and network segmentation — and we support QSA assessments through to Report on Compliance.
Industry-leading tools and frameworks chosen for performance, scalability, and long-term maintainability.
We map your product to every applicable Australian regulation (APRA, ASIC, AUSTRAC, PCI DSS) before architecture begins, identifying licensing obligations and technical control requirements.
Our fintech architects produce a threat model, PCI DSS network diagram, data-flow diagram, and APRA CPS 234 compliance matrix — reviewed and signed off before build commences.
Two-week sprints with automated security scanning (SAST, DAST, SCA) in the CI/CD pipeline. Compliance controls are code — not documentation — so they're tested continuously throughout development.
We produce audit-ready evidence packs for QSA, APRA, and AUSTRAC reviews. Post-launch managed services include 24/7 SOC monitoring, vulnerability management, and regulatory change management.
Consistently rated as a top technology company in Australia — backed by verified client reviews on Clutch and GoodFirms.
We sign an NDA before any discussion. All IP belongs to you — no shared code, no reuse on completion.
Access to project management tools, weekly progress reports, and live sprint demos throughout delivery.
Melbourne and Sydney offices with real people you can meet in your time zone. Invoiced in AUD.
Agile delivery with fortnightly demos so you see progress, give feedback, and stay in control at every sprint.
We don't just deliver and disappear. Structured post-launch support and ongoing development partnerships available.
"OpenMalo delivered exactly what we needed — on time, on budget, and with a level of quality that exceeded our expectations. The team communicated brilliantly throughout."
"The technical quality and attention to detail from the OpenMalo team is outstanding. Our users love the end product and our business metrics improved significantly post-launch."
"Fast, reliable, and professional. OpenMalo understood our requirements immediately and delivered a solution that has genuinely transformed how we operate. Highly recommended."
Common questions about our fintech software development solutions.
Ask Us Anything →Speak with a fintech specialist from our Melbourne or Sydney team. We'll scope your regulatory obligations and map a practical path to market — no obligation.
Local teams across Australia backed by a global delivery centre — giving you the best of both worlds.
