Scaling a fintech platform through product, AI, and payments innovation
Ebury is a global fintech offering cross-border payments, FX and trade solutions to businesses worldwide. As the business has scaled, its digital infrastructure needed to evolve; onboarding was slow, internal operations were stretched, and growth ambitions were outpacing the legacy platform.
Atomic has been more than a delivery partner - they’ve been a force multiplier for our business. Atomic showed us what it means to drive strategy through delivery, not slide decks. This engagement hasn’t just accelerated our roadmap - it has reshaped how we operate.
As a leading global fintech operating across FX, payments and financial services, Ebury needed a partner who could move fast across multiple strategic priorities simultaneously without sacrificing quality, compliance or long-term architecture.
Working across the team topologies, Atomic partnered with product and engineering leaders, and paired hands-on with delivery teams - bringing product, engineering and platform expertise to delivering measurable impact fast while laying scalable foundations for future growth.
Atomic engaged as both delivery partner and strategic advisor. We embedded across eight domains, applying product, engineering and platform expertise to accelerate change where it mattered most. Our hybrid team model enabled us to:
- Stabilise delivery across critical initiatives through co-sourced domain teams
- Unblock technology bottlenecks by redesigning core platforms and infrastructure
- Shape strategy through delivery alongside strategy - demonstrating value early and often
- Deliver measurable impact fast, while laying scalable foundations for future growth
We worked co-sourced with Ebury teams - pairing closely, transferring capability and demonstrating value. We stabilised domain delivery functions, clarified ownership boundaries and helped rebuild confidence in technologies ability to execute. Our work focused on capability, not dependency - ensuring teams could maintain velocity long after the initial transformation.
Recognising the high cost of acquisition and the downfall of traditional ‘cold-calling’ methods, Atomic leveraged LLMs for call transcription and Agentic AI to provide key insights to prioritise leads, personalise follow-ups, and reduce friction in the buying journey.
This platform has formed the foundation of future human-in-the-loop Agentic workflows to reduce the cost of customer support and operational expenditure as the business continues to scale.
Onboarding uplift.
Onboarding was one of Ebury's biggest conversion bottlenecks. Regulatory complexity meant journeys varied significantly by market. We built a flexible journey builder to allow rapid configuration and deployment of region-specific onboarding paths, in turn delivering a 3x improvement in conversion rates in initial regions.
Compliance automation.
Ebury's manual KYC and compliance checks created significant operational drag. We developed a compliance journey platform to standardise workflows and enable self-serve progression, built for reuse across multiple products and lifecycle stages, thus laying the foundation for safer, faster global expansion.
Self-serve capability.
We replaced the monolithic web portal with a modular micro-frontend architecture powered by open-source InfraBlocks. Domain teams now deploy updates independently, enabling continuous release and drastically accelerating the self-serve roadmap, unlocking 40x more release capacity across teams.
Customers holding idle balances had no mechanism to put those funds to work without leaving the platform.
Working with Wealthkernel, we built an integrated money market fund capability allowing customers to allocate balance holdings into funds while retaining full visibility of accrued interest within their existing experience.
The longer-term roadmap extends this into intelligent product recommendations and hedging solutions positioning Ebury to offer a more complete treasury management proposition to its SME client base.
Ebury identified card issuing as a strategic priority. Extending its platform beyond foreign exchange and payments would integrate more of customers' day-to-day flow.
The challenge was integrating cleanly with existing infrastructure and allowing for regulatory compliance across both multi-geography and future proofing multi-tenancy.
Working closely with Ebury's teams, we delivered a turnkey virtual card issuing and funds disbursement solution. Integrated directly into existing business accounts and top-up rails with SME expense management, features include card categorisation and configurable spend limits.
The MVP launched in under six months, establishing a reusable foundation for rapid card deployment across markets.
Atomic led the delivery of a hedging product enabling the creation of proposals and policies for both layered and static currency hedging strategies, with built-in dealer-to-client approval workflows that streamlined trade structuring and execution.
The product was integrated into existing legacy trade infrastructure, extending support for visibility into options and dynamic forwards without disrupting up and downstream systems.
Working in close partnership with the structuring team, we operated on a high-velocity release cadence, shipping features multiple times per week. This allowed us to respond quickly to client feedback, evolve product capabilities iteratively, and bring new hedging instruments to market faster than traditional release cycles would allow.
Atomic led the rapid re-architecture, design and delivery of the migration for all client facing online experiences.
Atomic took Ebury from a legacy stack to a new micro-frontend platform backed by microservices, thus enabling each product team independent ownership of their surfaces and deployments. This was backed by a navigation layer between the legacy platform and the new architecture so we could launch with confidence without rebuilding every page first.
Alongside the replatform, we ran the technical coordination for a full rebrand of every customer touchpoint - web, mobile, onboarding, marketing, email - and built feature flagging, observability, and load testing into the architecture from day one rather than retrofitting them later.
The result? A big-bang launch that landed without major disruption, deployment times that dropped from hours to minutes, framework upgrades that are no longer too risky to attempt, and an engineering organisation that can finally ship at the speed it was always capable of.
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