We develop high-security software solutions, accelerate Fintech innovation and optimise financial systems architecture to ensure scalable, efficient operations aligned with international regulations.
The financial ecosystem demands constant evolution. At Macaque Consulting, we help traditional banks and Fintechs lead this change.
We specialise in modernising core banking systems, integrating financial APIs (Open Banking) and developing secure omnichannel experiences. We connect technology innovation with regulatory compliance to mitigate risks and maximise the operational efficiency of your institution.
We integrate elite developers specialised in Fintech, payment gateways and banking security into your teams. Accelerate the "Time-to-Market" of your financial products and scale your development capabilities with talent that understands sector regulations.
Discover moreWe implement advanced AI models for real-time fraud detection, automation of credit risk analysis (Scoring) and intelligent processing of transactional data, optimising financial decision-making.
Discover moreWe build robust transactional platforms, digital banking portals, Fintech applications and integrated payment systems. We develop using secure methodologies, guaranteeing interoperability through APIs (Open Banking).
Discover moreWe assess the cybersecurity, code architecture and cloud infrastructure of your financial systems. We identify vulnerabilities and ensure your technology complies with critical regulations such as DORA, GDPR and PCI-DSS standards.
Discover moreWe work closely with your institution to solve complex challenges and design high-performance technology architectures. We optimise your business processes, improve operational resilience, ensure regulatory compliance and reduce infrastructure costs.
We accelerate back-office operations through robotic process automation (RPA). We optimise request management, KYC (Know Your Customer) validation, credit approvals and claims management, reducing costs and waiting times.
We evolve financial customer service through intelligent virtual assistants and chatbots based on generative AI. We automate first-level transactional support and streamline incident resolution for accounts and cards.
We migrate and adapt Core Banking architectures towards more agile hybrid cloud solutions. We increase the flexibility, security and scalability of your systems for account management, collections and payments, reducing dependence on legacy software.
We analyse large volumes of transactional data in real time using Big Data and Artificial Intelligence. Enable your institution to offer products, microcredits and personalised financial recommendations according to each customer's behaviour.
We implement advanced predictive algorithms for risk profile assessment and default prevention (Scoring). Make smarter and faster credit decisions, reducing financial exposure and detecting fraud patterns early.
We develop dynamic pricing models for financial products and services using advanced algorithms. Adjust interest rates, commissions and fees in real time according to risk profile, market conditions and customer behaviour to maximise profit margin.
Why choose us?
We combine deep technical specialisation with strategic vision to design technology solutions that create real value, accelerate growth and transform your organisation's operations.
We do not just implement technology; we align every solution with your strategic goals and organisational culture to ensure real impact.
We have an expert team in modern architectures, artificial intelligence and cloud solutions, ready to solve your most complex challenges.
We integrate as your trusted technology partner. We work closely, transparently and flexibly, adapting to your company's pace.
We design and deploy robust future-ready solutions, ensuring operational efficiency, cost optimisation and return on investment.
ISO/IEC 27001:2023
EUROCERT S.A. Certificate no. 00.15.0812
Certification corresponding to Macaque Consulting
Scope according to certificate.
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Obtained
We answer the most common questions about digital transformation in banking, core banking modernisation, Open Banking, DORA, AI-powered scoring, fraud prevention and financial process automation for banks, insurers and fintechs in Tarragona, Catalonia and across Spain.
We develop high-security software solutions, accelerate fintech innovation and optimise financial systems architecture to ensure scalable, efficient and regulation-compliant operations. We work on process automation with RPA and AI, digital channels and conversational AI, cloud core banking modernisation, hyper-personalisation with big data, predictive risk models, and dynamic pricing and profitability. We also offer financial IT outsourcing and DORA compliance audits. We serve clients across Spain.
DORA (Digital Operational Resilience Act) is the European regulation on digital operational resilience, applicable since January 2025 to banks, insurers, asset managers, fintechs and other financial entities. It requires them to manage technology risks, report major incidents, carry out resilience testing and oversee critical technology providers. We audit your level of compliance, identify the gaps and help you implement the necessary technical and organisational controls, backed by our ISO/IEC 27001:2023 certification.
Core banking systems are usually legacy platforms that are critical and hard to evolve. We apply progressive modernisation: we decouple functionality through APIs and microservices, migrate to the cloud in phases with parallel environments and exhaustive validation, and maintain service continuity at all times. The institution gains agility to launch new products, reduces maintenance costs and is ready to compete with new fintech players.
Open Banking allows financial institutions to share data and payment services with authorised third parties, with the customer's consent, through secure APIs under the European PSD2 directive. It opens up opportunities such as aggregating accounts from several banks, offering payment initiation, improving scoring with more data or forming partnerships with fintechs. We design and integrate secure, scalable and regulation-compliant Open Banking APIs.
Machine learning models analyse thousands of variables to assess credit risk more accurately than traditional models, and detect fraud patterns and transactions suspected of money laundering in real time. We develop models that are explainable, auditable and free from discriminatory bias, because the AI Act classifies AI systems that assess the creditworthiness of natural persons as high-risk and requires human oversight, transparency and traceability of every decision.
We automate high-volume processes such as digital customer onboarding, KYC checks, document analysis in loan and mortgage applications, reconciliations, regulatory reporting and complaints management. We combine RPA with AI to read documents, validate data and resolve simple cases autonomously. Institutions cut response times from days to minutes, reduce errors and free up their teams for higher-value tasks.
Tell us what you need and we will help you develop, improve or scale your technology solution with custom software, IT outsourcing and artificial intelligence.
We analyse your case and propose solutions tailored to your business
From the initial idea through product evolution
Technology prepared to grow with you
Response within 24 hours
