MCOB-Compliant Mortgage Technology
Mortgage technology for an FCA-regulated UK lender, built to meet Consumer Duty obligations.
A production-grade, multi-tenant platform for a South African fintech, POPIA built in from the schema up.
2025 · Built, deployed & owned by The Fourths
A South African fintech operating in a licensed, supervised market, where a data-handling failure is not a bug, it is a regulatory event.
We designed and built a multi-tenant platform with tenant isolation, role-based access, and audit logging as first-class concerns. POPIA obligations were modelled at the database layer before application code began.
Compliance-first architecture on Azure: PostgreSQL Flexible Server with row-level tenant isolation, Entra B2C for identity, Key Vault for secrets, and an append-only audit trail on every regulated data modification. Built, deployed, and now owned end to end.
Case Studies
Mortgage technology for an FCA-regulated UK lender, built to meet Consumer Duty obligations.
Production AI agents handling document classification, routing, and triage at operational scale.
Discovery calls are 30 minutes. We'll tell you if we're not the right fit.