Platforms built for how financial services actually works
For established financial services firms and growing fintechs that need custom client portals, adviser tools, and secure systems — not another off-the-shelf compromise.
Book a Discovery CallPlatforms built for how financial services actually works
For established financial services firms and growing fintechs that need custom client portals, adviser tools, and secure systems — not another off-the-shelf compromise.
Your systems are holding your business back
Your advisory firm has grown, but your technology stack is a patchwork. Client data lives across spreadsheets, CRMs, and email inboxes. Advisers duplicate data entry between your planning software and your practice management system. Client reviews are tracked manually, and compliance reporting is a quarterly scramble.
For NZ financial services firms, the technology gap is compounded by regulation. The FMA expects you to demonstrate adequate record-keeping, timely client reviews, and robust AML/CFT processes. RBNZ reporting requirements add another layer for banks and insurers. When these obligations are managed through disconnected tools, the risk of non-compliance grows with every new client and adviser you add.
Meanwhile, your clients are comparing your experience to Sharesies, ASB's app, and Xero's dashboard. They expect a portal where they can see their portfolio, download statements, and message their adviser — not a PDF emailed once a quarter. The firms that are scaling successfully in NZ are the ones investing in technology that serves both compliance and client experience simultaneously.
Financial Services & Fintech × ScaleWhat Scale builds
Secure client portal
A branded portal where clients view their portfolio, access documents, complete review questionnaires, and communicate with their adviser. Built to NZ privacy and data security standards.
Adviser dashboard
A centralised view of each adviser's book — upcoming reviews, pipeline status, compliance tasks, and client communications. Replaces the spreadsheets and sticky notes.
AML/CFT workflow automation
Digital client onboarding with integrated identity verification, risk assessment, and ongoing monitoring. Audit trails that satisfy both FMA expectations and your compliance officer.
Compliance & review management
Automated scheduling and tracking of client reviews, advice documentation, and regulatory reporting. Never miss a review deadline or lose an advice record again.
Integration layer
Connect your existing tools — Xplan, Midwinter, Xero, accounting platforms — into a unified workflow. We build the connective tissue, not replace what's working.
Reporting & analytics
Management dashboards showing business performance, adviser productivity, client satisfaction, and compliance status. The data you need to make decisions, not a wall of numbers.
How Scale works
Systems & compliance audit
We map your current technology stack, data flows, compliance processes, and pain points. We interview advisers, practice managers, and compliance teams to understand the full picture.
Architecture & security design
We design the platform architecture with security and compliance as foundational requirements — not afterthoughts. Data encryption, access controls, and audit logging are built in from day one.
Iterative build & testing
Built in sprints with regular demos to your team. Security testing and compliance review at every stage. Your compliance officer has sign-off authority before anything goes to production.
Rollout, training & support
Phased rollout — typically starting with internal tools before client-facing features. Hands-on training for advisers and support staff. Ongoing support through the transition period.
The impact of proper systems
Adviser efficiency
Less time on admin, more time with clients. Automated workflows eliminate duplicate data entry and manual compliance tracking. Advisers can manage larger books without burning out.
Client experience
A modern client portal that rivals the fintechs. Clients engage more, complete reviews faster, and refer more — because the experience reflects the quality of your advice.
Compliance confidence
Audit-ready at all times. Complete records, automated review scheduling, and AML/CFT trails that satisfy FMA scrutiny without the quarterly panic.
Scalable operations
Systems that handle 500 clients or 5,000 without proportional admin overhead. Add new advisers without adding compliance risk.
Frequently asked questions
Security is foundational, not an add-on. We implement encryption at rest and in transit, role-based access controls, comprehensive audit logging, and regular penetration testing. All systems are designed to meet NZ Privacy Act requirements and align with APRA-equivalent standards relevant to NZ financial services.
Yes. We have experience integrating with Xplan, Midwinter, and other NZ financial planning platforms. Where APIs exist, we connect directly. Where they don't, we build middleware that keeps data synchronised without manual rekeying.
Typically 4-8 months for a first phase, depending on complexity and compliance requirements. We prioritise the highest-impact systems first — usually adviser dashboards and compliance automation — then expand to client-facing portals.
We build systems that are modular and configurable. When regulations change — and in NZ financial services, they change regularly — your platform can be updated without a full rebuild. We offer ongoing support plans specifically for regulatory adaptation.
Scale can be adapted for fintech product development, but it's primarily designed for established firms systemising their operations. If you're building a consumer-facing fintech product, talk to us — we'll scope it as a custom engagement.
You do. We build on your infrastructure or managed cloud services in your name. All code, data, and intellectual property belongs to your business. No vendor lock-in, no proprietary platforms you can't leave.
Ready to talk about financial services & fintech?
Book a free discovery call. No sales pitch — just an honest conversation about what your business needs.