Can API development shape the future of FinTech?
In a way, it already does… It’s hard to imagine today’s market of digital products without those countless interconnections with third-party service providers, back-office systems, databases, and analytical tools. This closely-knit web of gateways and integrations forms the backbone of modern financial services, making them more efficient and comprehensive than ever. Far into the digital era, API-driven development is no longer a question of “if” or “when”, but rather “how”.
Developer Experience (DX) comes to the forefront in certain API-enabled products, especially when it’s mainly the dev teams that directly interact with a given software. In such cases, stellar documentation, fast setup, easy navigation and troubleshooting potential are just the tip of the iceberg of must-haves. With additional challenges posed by legal compliance and security demands, building an API that serves both the end users and your organization is a balancing act with high stakes.
API development services by Code & Pepper
Custom API Solutions
We are strong advocates of API-driven development. With this approach, we can build structured, scalable, performant and safe applications. Products created with a custom API-based structure are ready for dynamic expansion in the future.
API Integrations
Brilliant product ideas work wonders when they can be easily connected to other services or platforms. Our team specialises in designing and programming custom APIs adapted to specific business requirements and product technicalities.
API Payment Solutions
Many FinTech applications wouldn’t exist without the benefits of API. From open banking to payment gateways or data processing tools, our engineers have the expertise and the skills to develop seamless solutions for different devices.
The API universe is expanding…
Hitchhiker’s guide to web APIs
Open APIs
They include free Public APIs (may require registration, an API Key or OAuth), APIs backed by Open Data and APIs based on open standards (e.g. open license).
Partner APIs
Common on the SaaS market, they enable software integration between business partners, usually with access restrictions, e.g. through a third-party API gateway.
Internal APIs
Private and invisible to external users, these APIs are used within companies to share resources, boost operations, integrate in-house systems and speed up product development.
Composite APIs
Invaluable in microservices, this design approach enables managing multiple calls in rapid sequences by providing access to several endpoints in one call.
DirectID
API development and integration with open banking services
DirectID is a banking data aggregator created by The ID Co. — an Edinburgh-based leader in open banking and a long-term client of Code & Pepper. Apart from reducing the risk of fraud, DirectID is a powerful decision-making tool in the hands of financial institutions and lenders.
Code & Pepper assisted The ID Co. in achieving full compliance with PSD2 through custom API development and integration with Salt Edge and its global data aggregation API. The main focus points of the project were compatibility, security, and quality assurance.
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13k+ bank connections
12 months transactional data
1 unified API integration
Selected testimonials
See case studyDuncan Campbell Head of Product at Oathello Code & Pepper provided an impressive level of service outside the original scope of requirements. At no additional charge, they proactively redesigned the product to enhance the final version. They took on the bulk of project management responsibilities and facilitated an open line of dialogue throughout.
See case studyJames Varga CEO and Founder at DirectID (The ID Co.) We value Code & Pepper for their proactive attitude, responsiveness and transparency. It’s a reliable and dependable company that we can recommend for other business entities to cooperate with.
See case studyAlexander Rainey CEO and Founder at Pluto I really value Code & Pepper for their proactive attitude, transparency, and detailed attention to security. These are what made the partnership trusted and solid. The development team was always very helpful and open in explaining all technical matters, along with a project manager who took care of organisational stuff.
With Code & Pepper you always get more
Expert team
API development services aim to address the issue of interconnectivity, while protecting data integrity and maintaining high performance. Partner up with Code & Pepper if your product API could use a high-tech intervention from top engineers.
Systematic approach
In every development project, there are product requirements, delivery plans, change and risk management to consider… Our Scrum Masters and Agile Project Managers practice what they preach to keep track of progress and streamline communication.
Budget optimisation
If something is good and fast, then it can’t be cheap, right? Jokes aside, there are actually quite a few ways to optimise cost in software development. From strategic scoping to picking the right tech stack: it’s hard to put a price tag on smart work.
Scale and growth
You started with one simple API integration and now users are flocking? No business can afford to disappoint and sudden spikes in demand may call for more engineering support. Luckily, your team at Code & Pepper is flexible and can be scaled fast.
Best practices
There is a method to the coding madness… We follow top industry standards in development and project management to give your API the best treatment available. This means zero compromise in terms of performance, documentation and security.
Our clients are backed by industry leaders
Your API team: Ambitious, Productive & Ingenious
Pick the skill set suited to your project
Back-end Developers
Build a solid and robust base for your product
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Work with experts in cross-platform applications
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