KNOVIKEU
Industry Solutions

Fintech & Compliance

Compliance-first financial software for the EU regulatory stack — PSD2 payment flows, NIS2-aligned security posture, and AI analysis that runs on infrastructure you control, so financial data never has to reach a third-party cloud.

Why This Industry

EU fintech software fails compliance reviews for predictable reasons: payment states that drift out of sync with accounting records, data processed outside the jurisdiction it should stay in, and AI tools that quietly export sensitive records to a non-EU vendor's cloud. Knovik treats those as architecture decisions made up front. The pattern is already proven in shipped work: signature-verified payment webhooks with automatic accounting sync (built with PayHere and Zoho Books for Cowork.lk — the same signature-verification discipline PSD2's Strong Customer Authentication expects), and database-level row security throughout.

Built ForEU fintech startupsAccounting & tax servicesLending & paymentsFinance teams in regulated firms

What We Build

Payment & Accounting Integration

Payment flows where a transaction is only marked paid after a signature-verified webhook confirms it — the same verify-before-trust discipline PSD2's Strong Customer Authentication requires — with invoices created automatically in your accounting system.

Private AI on Financial Data

Natural-language analysis of transaction data and customer portfolios running on infrastructure you control, for data that can't be sent to a cloud AI provider under GDPR or your own risk policy — the edge LLM approach behind our AI & Automation practice.

NIS2-Aligned Platform Builds

Web platforms with row-level security enforced in the database rather than trusted to application code, data residency decided at architecture time, and audit trails that shorten a compliance review instead of lengthening it.

The Proof

Case Study

Cowork.lk

Real-time availability, signature-verified payments, and automatic accounting sync for a coworking space

Read Case Study Case Study

BPC

An on-device Flutter tax engine, verified to the cent against a licensed accounting firm's own computation spreadsheet

Read Case Study

Who Leads This

IW

Iroshana Wickremasingha

VP Engineering

Leads Knovik's web, backend, and eCommerce engineering practice, with a focus on scalable architecture and infrastructure.

Full profile on knovik.com
MP

Madusanka Premaratne

Founder & CEO

Author of the EICON 2026 paper on agentic systems; leads Knovik's edge AI and automation practice, including EdgeTal.

Full profile on knovik.com

Related Services

Edge LLM Solutions

Frequently Asked Questions

Can EU financial data be analyzed with AI without a cross-border transfer?

Yes. An edge LLM runs on hardware you control, so transaction data is analyzed in natural language without any record being transmitted to a third-party model provider outside the EU.

Does this help with PSD2 Strong Customer Authentication requirements?

The underlying discipline is the same: nothing is marked paid until a payment provider's signature is independently verified server-side, which is the pattern we shipped for Cowork.lk with PayHere. The same verify-before-trust approach applies to EU payment integrations under PSD2's SCA rules.

Working in fintech & compliance?

Talk to our team about what a build like this looks like for your business.

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