RegTech & Regulatory Automation
We build regulatory technology platforms that automate compliance workflows for banks, fintechs, and financial institutions. From automated regulatory reporting (CBUAE, SAMA, OJK) and real-time transaction monitoring to regulatory change management and audit trail systems, our RegTech solutions turn compliance from a cost center into a competitive advantage.
What is RegTech & Regulatory Automation?
RegTech and regulatory automation builds systems that automate compliance reporting, regulatory change management, and audit preparation across jurisdictions. It includes automated generation of STRs, CTRs, and prudential returns, real-time regulatory update tracking across 50+ jurisdictions, and immutable audit trails with automated control testing and regulator-ready export packages.
Engineering Targets
Figures below are the benchmarks we design and test against on this type of build. They are targets, not a warranty — what your platform actually achieves depends on your data, scale and integration surface, and we agree the numbers that matter with you before work starts.
Why This Matters
Financial institutions spend $270B+ annually on compliance. Automating 60-80% of routine compliance tasks frees your team to focus on genuine risk management.
What You Get
Capabilities
Auto-Reporting
Generate and submit regulatory reports automatically — STRs, CTRs, prudential returns — formatted for each regulator's specific requirements.
Change Management
Track regulatory updates across 50+ jurisdictions, analyze impact on your operations, and generate compliance gap assessments.
Audit Intelligence
Immutable audit trails with full evidence chain, automated control testing, and regulator-ready export packages.
Our Approach
How We Deliver
Obligation Inventory
We catalogue applicable regulations, frameworks and internal policies that the platform must serve.
Unified Control Mapping
Overlapping requirements collapse into one control set with clear evidence ownership.
Automation Build
System connectors, reporting pipelines and workflow routing replace recurring manual collection tasks.
Audit Readiness Validation
Dry-run assessments confirm evidence completeness before a real audit begins.
Real-World Applications
Use Cases
Technology Stack
Explore More
Related Services
Payment Gateway Development
Custom payment gateway solutions with multi-currency support, fraud detection, and seamless checkout.
- Multi-currency and multi-rail payment processing
- Card acquiring and issuing integration
- Mobile money and wallet integrations (MENA, Africa, Asia)
Neobank & Digital Banking Platforms
Full-stack digital banking platforms with accounts, cards, lending, and regulatory compliance.
- Core banking ledger with double-entry accounting
- Account opening with eKYC and video verification
- Virtual and physical card issuance (Visa/Mastercard)
InsurTech Platform Development
Digital insurance platforms with automated underwriting, claims processing, and policy management.
- Quote engine with dynamic pricing models
- Automated underwriting and risk assessment
- Policy administration and lifecycle management
Common Questions
Frequently Asked Questions
How do you ensure fintech compliance and security?
Masarrati builds PCI-DSS compliant payment systems, implements KYC/AML workflows, follows banking-grade encryption standards, and designs audit trails. We work with regulatory consultants to ensure full compliance.
Can you build a neobank or digital banking platform?
Yes. Masarrati has built complete digital banking platforms including account management, payments, cards, lending, and compliance modules. We integrate with banking-as-a-service providers and core banking systems.
What payment methods can you integrate?
Credit/debit cards, ACH, wire transfers, crypto payments, mobile wallets (Apple Pay, Google Pay), BNPL, UPI, and regional payment rails. Masarrati integrates with Stripe, Adyen, PayPal, and custom PSPs.
How do you handle high-volume transaction processing?
Through event-driven architecture, message queues, database sharding, optimistic locking, and auto-scaling infrastructure. Masarrati builds payment systems designed for high throughput, with the resilience and failover targets agreed against your own availability requirements.
What is your experience with Islamic fintech?
Masarrati has built Sharia-compliant fintech platforms including profit-sharing models, Murabaha financing, Zakat calculators, and Islamic investment apps — all certified by Sharia advisory boards.
Are there projects Masarrati will not take on?
Yes. Masarrati does not build gambling or betting products of any kind — no casino platforms, sports betting, lottery, sweepstakes, prediction markets, or loot-box mechanics — whether as a full product, a feature, or an integration. Masarrati also does not build interest-based (riba) financial products: no lending apps, credit products, or platforms whose revenue depends on charging interest, on web, mobile, or any other platform. These are firm ethical commitments, not capacity constraints. For interest-free finance, we actively build Sharia-compliant fintech — Murabaha and Ijara structures, Takaful models, and Zakat tooling.
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