Data Science

Nobody in banking wants to talk about blockchain anymore — at least not the way they did in 2018, when every conference deck had a slide promising to “disrupt finance forever.” That noise has died down. But something quieter and more useful has taken its place: banks, NBFCs, and insurers are actually using distributed ledger […]

Last year, a mid-sized lending platform in the UAE lost close to $2.3 million because of a single unchecked reentrancy pattern in their loan disbursement contract. The code had passed two internal reviews. It looked clean. It wasn’t. This is the kind of story that keeps BFSI and fintech leaders up at night, and honestly, […]

Every fintech founder we talk to eventually asks the same question: “Should we build a wallet-based rewards system or a points-based one?” It sounds like a small product decision, but it shapes your compliance load, your tech architecture, and honestly, how fast you can ship features later. At Speqto Technologies, we’ve built both types for […]

A few months back, a VP of Engineering at a mid-sized lending platform told us something that stuck: “We didn’t lose money because the offshore team couldn’t code. We lost money because nobody asked who owns the AWS root account.” That one sentence captures most of what goes wrong in offshore hiring decisions. It’s rarely […]

Every NBFC and fintech lender we’ve worked with at Speqto Technologies starts with the same complaint: loan files are stuck somewhere between “submitted” and “disbursed,” and nobody can say exactly where or why. Not because the team is slow, but because the process is scattered across emails, PDFs, spreadsheets, and three different logins that don’t […]