Dedicated Banking Technology Team
Engineers for digital banking, core integration and banking APIs.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Overview
A banking team builds digital banking channels, core banking integrations, banking APIs and operational tooling, with the security, resilience and auditability banks require.
Ideal for
- Banks
- Neobanks
- Banking-as-a-service providers
Typical composition
- 01Banking Solution Architect
- 02Backend Engineers
- 03Mobile Engineers
- 04Integration Specialist
- 05QA
Composition is tailored to your roadmap; profiles are shared for your review before anyone starts.
Responsibilities
- Digital channels
- Core integration
- Banking APIs
- Operations tooling
Skills
Core technologies
How it works
Communication, delivery, security and scaling
Team composition
Teams are shaped to your roadmap, stack and domain, with profiles shared for your review before anyone starts.
Responsibilities
A written responsibilities matrix defines who owns what — priorities, architecture, delivery, quality and operations.
Communication
Teams work in your tools and rituals: stand-ups, planning, demos and retrospectives, with agreed time-zone overlap.
Delivery
Delivery managers track progress and risks, with regular demos and transparent reporting against agreed metrics.
Security
Least-privilege access, company-managed devices, secure credential handling and confidentiality agreements for every engineer.
Scaling
Teams scale up or down with notice periods agreed in the engagement, with knowledge transfer built into every change.
Engagement
Monthly engagements with clear terms, IP assigned to you and regular performance reviews with your leadership.
Engagement models
Choose how this team works with you
Individual Specialist
1 engineerA senior specialist embedded in your team to fill a specific skill gap.
Best for: Adding expertise such as smart contracts, AI or platform engineering to an existing team.
Dedicated Pod
2–4 peopleA small, self-organising unit focused on a feature area or workstream.
Best for: Owning a defined area of your product with minimal management overhead.
Dedicated Team
5–10 peopleA full cross-functional team working exclusively on your roadmap.
Best for: Building or evolving a product or platform over the long term.
Extended Team
FlexibleShivacha engineers integrated into your existing teams as additional capacity.
Best for: Accelerating an in-house roadmap without changing team structure.
Product Squad
4–8 peopleProduct, design and engineering together, accountable for product outcomes.
Best for: New products or product lines needing end-to-end ownership.
Managed Engineering
Scoped to outcomesShivacha owns delivery of defined outcomes with service levels and reporting.
Best for: Delegating a product, platform or operational workstream entirely.
Services
What this team delivers
Digital Banking Development
Build digital banking platforms for retail and business customers — onboarding, accounts, payments, cards and servicing.
Learn moreCore Banking Platform Development
Modern core banking components — ledger, product engine, interest, fees and limits — or integration with existing cores.
Learn moreBanking API Development
Banking APIs for accounts, payments, cards and data — secure, versioned and documented for partners and internal teams.
Learn moreFAQ
Frequently asked questions
How quickly can the team start?
Timing depends on roles and seniority. We share profiles for your review, and initial team members can often begin within a few weeks of agreeing scope.
Will the team work in our time zone?
We arrange meaningful overlap with your working hours and agree communication rituals up front. Teams work in your tools — your repositories, tracker and chat.
Who owns the code and IP?
You do. All work product is assigned to you under the engagement agreement.
Build your engineering team.
Tell us what your banking technology team should own and we will propose a composition.