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A production-grade, multi-tenant platform for a South African fintech, POPIA built in from the schema up.
Case Studies / MCOB-Compliant Mortgage Technology
MCOB-Compliant Mortgage Technology
Mortgage technology for an FCA-regulated UK lender, built to meet Consumer Duty obligations.
2025 · Delivered for an FCA-regulated lender
Project Tags
Compliance SystemsUK Financial ServicesMCOB
Client Summary
An FCA-regulated UK lender operating under MCOB and the Consumer Duty regime, where every customer outcome must be evidenced.
Project Summary
We built mortgage technology with audit trails on affordability assessments, automated ESIS generation, and traceable customer communications, designed to evidence good outcomes under Consumer Duty.
Design Approach
Every affordability decision and customer communication is logged immutably and reconstructable. ESIS documents are generated deterministically with versioned templates, and the audit layer is queryable for regulatory review.
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