Technology Solutions for Financial Services

Core Banking and Platform Modernization

Canadian financial institutions face a critical inflection point as aging core banking platforms struggle to meet the demands of digital-first customers, real-time payment rails, and open banking interoperability. Zaha Technologies guides banks and credit unions through disciplined core modernization programs that decompose monolithic systems into modular, API-first architectures without disrupting day-to-day operations. Our approach leverages strangler-fig migration patterns, event-driven architectures, and domain-driven design principles to incrementally modernize platform capabilities while maintaining the stability and auditability that OSFI mandates. We bring deep experience with Canadian payment systems including Interac, Payments Canada's Lynx, and the Real-Time Rail initiative.

Fraud Detection and Financial Crime Analytics

Financial crime is becoming more sophisticated, and Canadian regulators expect institutions to deploy advanced detection capabilities that go beyond rule-based transaction monitoring. Zaha Technologies builds real-time fraud detection and anti-money laundering platforms that combine machine learning models with graph analytics to identify complex patterns of suspicious activity across accounts, entities, and transaction networks. Our solutions integrate with existing core banking and payment systems, enriching transaction data with behavioural analytics, geolocation signals, and device intelligence. Every model we deploy is designed for explainability, ensuring that your compliance team can articulate the rationale behind flagged transactions to FINTRAC and OSFI examiners.

Regulatory Compliance and Open Banking Readiness

With Canada's open banking framework moving toward implementation, financial institutions must prepare their technology stacks for secure, consent-driven data sharing with authorized third parties. Zaha Technologies helps institutions build the API infrastructure, consent management platforms, and security controls required for open banking compliance. Beyond open banking, our regulatory technology practice supports OSFI guideline implementation including B-13 (technology and cyber risk management), E-21 (operational resilience), and B-10 (third-party risk management). We deploy automated compliance monitoring, regulatory reporting pipelines, and continuous control testing frameworks that reduce the burden of regulatory examinations while strengthening your institution's risk posture.