Blog
Diana-Maria Coste
December 8, 2025
AROBS Transilvania – custom software development company
Custom Financial Software Development
Modernize, Comply, Innovate – Lead the Future of Finance
AROBS specializes in custom financial software development that adapts to your business needs, from digital banking to payments and cloud solutions.
We empower banks, insurers, and capital markets firms to modernize their core platforms, automate processes, and become AI-ready – quickly. All with custom financial software development.
From legacy system consolidation to AI-infused innovation, AROBS delivers secure, compliant solutions that boost efficiency and execution speed.
What's Holding Financial Institutions Back?
Legacy systems eat 70% of the tech budget:
See how AROBS cuts legacy costs by 30%.
Cloud and AI Are the Future, But Fragmented Architecture Blocks You:
See how we prepare you for AI.
Legacy Tech Kills Speed and Agility:
See how we modernize with stepwise migration.
Compliance Costs Are Soaring, Mandates Keep Changing:
See how AROBS builds governance into your systems.
AROBS will deliver custom financial software development that is:
Tailored to Your Workflows:
Custom architecture built around
your specific needs; zero vendor
limitations.
Compliance-First Approach from
Day One: DORA, GDPR, PSD2,
Solvency II readiness embedded into
every layer.
AI-Ready by Design:
From clean data lakes to modular
systems, we enable AI that delivers.
OPEX Control:
Retire legacy systems, consolidate
platforms, and reduce IT run costs by
up to 30%.
Faster Releases: Launch new services
2–3x faster with cloud-native,
microservices architecture and
AI-powered software solutions.
Who We Serve
BaaS Providers, Neobanks
(Founders, Heads of Platform, CDOs, CAIOs, Product Owners, Engineering Leads)
Global & Regional Banks
(CIOs, CTOs, Chief
Data Officers, Chief AI
Officers, Heads of
Digital Transformation,
Chief Compliance
Officers)
Insurers
(P&C, Life) (Chief Underwriting Officers, Heads of Claims, CDOs, CAIOs, IT Directors)
Capital Markets & Wealth Firms
(Heads of Trading, CDOs, CAIOs, Portfolio Managers, Risk Officers, CTOs)
Fintech Platforms
(Chief Technology Officers, CDOs, CAIOs, Product Managers, Data Scientists, Security Leads)
Modernize faster. Build smarter. Stay compliant
Why Financial Institutions Choose AROBS
Problem: Legacy systems eat 70% of the tech budget
Risk:
Financial institutions are heavy investors in technology; however, bloated legacy systems consume
70% of their tech budgets, as recent studies have shown. Consequently, strategic projects are often underfunded.
Therefore, modernization is an urgent financial necessity.
AROBS Solution:
Our comprehensive approach includes taking over legacy maintenance at a reduced cost, implementing
sunset schedules - a planned, intentional phase-out and discontinuation of duplicate systems - and
consolidating
them into one or two strategic platforms.
The expected outcomes are:
reduced operating costs, freed-up IT capacity for innovation, and decreased system interdependency risks.
Problem: Legacy Tech Kills Speed and Agility
Risk: 55% of banks cite legacy core systems as their top barrier to digital innovation. Slow product cycles lead to missed market opportunities. At the same time, current vendor platforms suffer from a monolithic architecture, where upgrades require re-implementing large blocks of functionality with unforeseen business impact risks. AROBS Solution: We help financial institutions modernize fragile, outdated systems by progressively transitioning toward scalable, microservice-based architectures. Our approach to custom financial software development focuses on stepwise migration, allowing teams to introduce incremental upgrades with far less operational risk - shortening time-to-market and restoring control over release velocity.
As part of this modernization journey, one promising approach might be using MCP (Model Context Protocol) servers
to provide intelligent integration between components. MCP could act as a translation layer between legacy systems
and new platforms, reducing knowledge dependency on key individuals and simplifying future upgrades.
Problem: Cloud & AI Potential Blocked by Fragmentation
Risk: Cloud and AI are top priorities, yet execution lags. By 2030, three out of four EU companies are expected to utilize cloud computing services, big data, or artificial intelligence, according to The EU Digital Decade ; however, data sprawl and poor architecture are hindering these results. AROBS Solution: We enable clients to become cloud and AI-ready with a modular architecture, data lake strategy, and governance-first execution. Data governance must occur in parallel with data lake construction, as legacy trade data from over 20 years ago may no longer possess analytical value, which can directly impact the effectiveness of AI training. We can assess AI readiness post-data-lake to determine where AI delivers quick results versus requiring more profound changes.
The expected outcomes are:
trusted and governed data, accelerated cloud adoption, improved AI effectiveness, reduced operational overhead, stronger
compliance, and dramatically faster delivery of digital and analytics initiatives.
Problem: Compliance Spending Is Soaring
Risk: Regulatory pressure never stops. 51% of the EEA Financial institutions report challenges in embedding DORA into their existing policy and control frameworks. At the same time, in 2024, the total aggregate fines for breaches of protocols, such as Anti-Money Laundering (AML) and Know Your Customer (KYC) guidelines, as well as operating procedures, and personal data leaks, rose to €4.1 billion globally. AROBS Solution: We build compliance-by-design systems that integrate regulatory controls directly into workflows, data models, and release processes. Our teams standardize reporting, strengthen audit trails, automate control testing, and enforce governance benchmarks across all environments. Our approach reduces the cost of recurring audits, prevents last-minute remediation work, and ensures continuous alignment with DORA, AML, KYC, GDPR, and other FSI regulatory frameworks.
Key outcomes for clients:
1. Fewer audit findings and emergency fixes
2. Automated compliance reporting
3. Traceability embedded into CI/CD pipelines
4. Consistent controls across products, business units, and geographies
Why Financial Institutions Choose AROBS Problem:
Problem: Legacy systems eat 70% of the tech budget
Risk:
Financial institutions are heavy investors in technology; however, bloated legacy systems consume
70% of their tech budgets, as recent studies have shown. Consequently, strategic projects are often
underfunded. Therefore, modernization is an urgent financial necessity.
AROBS Solution:
Our comprehensive approach includes taking over legacy maintenance at a reduced cost, implementing
sunset schedules – a planned, intentional phase-out and discontinuation of duplicate systems – and
consolidating them into one or two strategic platforms.
The expected outcomes are:
reduced operating costs, freed-up IT capacity for innovation, and decreased system interdependency risks.
Problem: Legacy Tech Kills Speed and Agility
Risk:
55% of banks cite legacy core systems as their top barrier to digital innovation. Slow product cycles
lead to missed market opportunities. At the same time, current vendor platforms suffer from a
monolithic architecture, where upgrades require re-implementing large blocks of functionality with
unforeseen business impact risks.
AROBS Solution:
We help financial institutions modernize fragile, outdated systems by progressively transitioning
toward scalable, microservice-based architectures. Our approach to custom financial software
development focuses on stepwise migration, allowing teams to introduce incremental upgrades with far less operational risk – shortening time-to-market and restoring control over release velocity.
As part of this modernization journey, one promising approach might be using MCP (Model Context Protocol) servers to provide intelligent integration between components. MCP could act as a translation layer between legacy systems and new platforms, reducing knowledge dependency on key individuals and simplifying future upgrades.
Problem: Cloud & AI Potential Blocked by Fragmentation
Risk:
Cloud and AI are top priorities, yet execution lags. By 2030, three out of four EU companies are
expected to utilize cloud computing services, big data, or artificial intelligence, according to The EU
Digital Decade; however, data sprawl and poor architecture are hindering these results.
AROBS Solution:
We enable clients to become cloud and AI-ready with a modular architecture, data lake strategy, and
governance-first execution. Data governance must occur in parallel with data lake construction, as
legacy trade data from over 20 years ago may no longer possess analytical value, which can directly
impact the effectiveness of AI training. We can assess AI readiness post-data-lake to determine where
AI delivers quick results versus requiring more profound changes.
The expected outcomes are:
trusted and governed data, accelerated cloud adoption, improved AI effectiveness, reduced operational overhead, stronger compliance, and dramatically faster delivery of digital and analytics initiatives.
Problem: Compliance Spending Is Soaring
Risk:
Regulatory pressure never stops. 51% of the EEA Financial institutions report challenges in embedding
DORA into their existing policy and control frameworks. At the same time, in 2024, the total aggregate
fines for breaches of protocols, such as Anti-Money Laundering (AML) and Know Your Customer (KYC)
guidelines, as well as operating procedures, and personal data leaks, rose to €4.1 billion globally.
AROBS Solution:
We build compliance-by-design systems that integrate regulatory controls directly into workflows, data
models, and release processes. Our teams standardize reporting, strengthen audit trails, automate
control testing, and enforce governance benchmarks across all environments. Our approach reduces
the cost of recurring audits, prevents last-minute remediation work, and ensures continuous alignment
with DORA, AML, KYC, GDPR, and other FSI regulatory frameworks.
Key outcomes for clients:
1. Fewer audit findings and emergency fixes
2. Automated compliance reporting
3. Traceability embedded into CI/CD pipelines
4. Consistent controls across products, business units, and geographies
Transformation simplified. Partnership amplified.
AROBS bridges strategy and execution, supporting financial institutions in modernizing confidently, measurably, and quickly.
Our Custom Financial Software Development Expertise
A. Banking Software Development
From core processing to customer engagement, AROBS delivers end-to-end banking solutions.
Banking Operations & Technology: Modernize core banking, lending, and treasury platforms with cloud-native, API-first architectures. Through custom financial software development, we streamline mission-critical processing by leveraging microservices to reduce downtime and expedite delivery
Customer Management & Sales: Transform CRM, digital channels, and omnichannel banking. AROBS builds seamless mobile/web experiences, integrating AI-driven tools to boost engagement and cross-sell opportunities.
Wealth & Payments: Enhance wealth management and payment systems. We implement secure, scalable platforms for investment advisory, robo-advisors, and real-time payments, ensuring compliance (PSD2, instant payments) while improving client satisfaction.
Customer Success Snapshot - BCR - Real Results. Real Impact
AROBS was honored with the ePartnership Award for our collaboration
with BCR. Our team played a key role in the development of George, making digital insurance sales and in-app customer data management more efficient.
Our partnership with BCR is significant, demonstrating our team’s dedication to delivering high-quality eFinance solutions.
This award is a testament to our successful collaboration and further motivates us to strive for excellence in software development.
B. Capital Markets Engineering
We know the demands of trading, risk, and institutional clients.
Trading & Risk: We can operate and manage software development for trading platforms and treasury systems. We engineers analytics and risk applications and datalakes, reducing complexity and ensuring global regulatory compliance (MiFID II, Basel, etc.).
Next-Gen Client Portals. Reimagine client connectivity: We design and build secure, high-performance web platforms that give institutional / wealth clients real-time access to portfolios, analytics, and execution tools. Built on robust frameworks and cloud-ready architectures, our portals empower banks and brokers to offer a differentiated digital experience.
Integration & Modernization: Legacy integration layers often slow down platform upgrades and scalability. We help financial institutions move from monolithic, point-to-point connections to modular, event-driven architectures. By leveraging MCP technology and modern API frameworks, we enable faster interfacing, simplified maintenance, and real-time interoperability across the entire pre-front to risk and accounting architecture. The result: a flexible backbone ready to support digital expansion and new business models.
C. Insurance Technology Solutions
We support insurers in digitalizing every touchpoint while ensuring strict compliance through custom financial software
development.
Onboarding & Experience: Build intuitive customer and agent portals. AROBS integrates digital onboarding, e-signature, and self-service dashboards, enabling insurers to launch new products faster and personalize services using data analytics.
Processes & Management: Automate underwriting, claims, and policy admin. We replace brittle legacy systems with modular insurance platforms (cloud-native or SaaS), cutting processing time and error rates.
Security & Compliance: Strengthen controls and reporting with the right cybersecurity approach. AROBS embeds advanced authentication, data encryption, and continuous compliance monitoring into every solution, addressing Solvency II, GDPR, DORA, and other regulations proactively
Transformation simplified. Partnership amplified.
AROBS bridges strategy and execution, supporting financial institutions in modernizing confidently, measurably, and quickly.
Our Signature Approach – Modernization at Speed and Scale
AROBS delivers transformation with rigor and accountability:
Legacy System Consolidation
A large bank may use 10+ systems that can be consolidated into 1–2 strategic platforms. As a result, clients can cut IT
maintenance costs by 20–30% and eliminate redundant compliance updates.
Built with Data Governance in Mind
We build a governed, enterprise data foundation and modernize priority data domains in parallel with targeted AI pilots. AI performs best when trained on clean, current, and well-defined data, and many financial institutions struggle with fragmented legacy sources and inconsistent definitions. By consolidating or virtualizing high-value datasets, implementing lineage, access controls, and data quality SLAs, and curating purpose-relevant history, we ensure the AI roadmap is built on trusted data while still delivering early business value.
Modular Modernization (MCP Server)
Our MCP (Model Context Protocol) architecture shows strong promise to enable migration to microservices incrementally. By
inserting intelligent “translation” servers between old and new systems, we reduce business risk.
AI Readiness Roadmap
We align AI use cases with strategy, starting small, while proving ROI before scaling. We help you adopt explainable AI and
comply with emerging AI regulations.
KPI-Based Delivery & Risk Mitigation
AROBS ties contracts to outcomes. We agree on KPIs (uptime, features delivered, cost targets) and build knowledge transfer to mitigate “bus factor” risks. That means you get committed partners, not just warm bodies.
With this custom financial software development approach, AROBS frees your budget from firefighting, allowing you to invest in growth.
How We Compare
AROBS vs. Staff-Aug Firms
We deliver outcomes, not just
workforce.
AROBS vs. SaaS Vendors
We fit the solution to your strategy.
AROBS vs. Offshore Players
Shared timezone. Shared
regulation. Proven in EU finance
Compliance & Security
Our solutions automate compliance, enabling clients to report 40% fewer regulatory audit findings after modernization, while reducing the need for manual compliance staffing
Up to 30% Cost Reduction
Clients regularly
achieve significant cost
reductions by retiring
legacy systems and
outsourcing
maintenance to
near-shore locations.
Faster Time-to-Market
Modular architecture and agile delivery enable you to deploy features 2–3 times faster.
AI-Driven Insight
By cleaning data and building AI pilots, clients unlock analytics that drive revenue.
High Reliability
By utilizing continuous integration/continuous deployment and cloud best practices, we help achieve system availability of over 99.9% and significantly reduce incident recovery times.
Ready to Transform Your Finance Business?
AROBS brings deep custom financial software development expertise and execution speed. We’ve helped clients modernize core systems, harness AI, and stay compliant – with measurable results.
Let’s make technology the success driver for your organisation.
Meet Our Experts
Pierre Castagne
Managing Director - Head of Financial Services
Pierre brings deep expertise in financial services transformation, with strong skills in banking, insurance, and fintech innovation; capital markets & trading workflows (front-, middle-, and back-office); operations risk management; and regulatory-driven change. With proven executive leadership, Pierre specializes in global team management, alliance and partnership building, business model transformation, market expansion, and shaping strategic value propositions, combining strong customer focus with a consistent record of financial performance.
Bogdan Păduraru
Managing Director, Global Delivery for Financial Services Industry
With experience in managing complex software development projects across investment banking, wealth management, and highly regulated industries, Bogdan specializes in enterprise development, large-scale systems integration, and AI-driven development acceleration, guiding organizations to adopt AI-powered code generation and modern “vibe coding” workflows to improve delivery speed and code quality. Together with our specialists, Bogdan supports banks, insurers, and fintechs in achieving operational excellence through efficient software delivery and accelerated digital transformation.
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