# Innovify

> Innovify is a UK-based AI and fintech product design and development company founded in 2011. It designs, builds, and scales AI-native software products for companies in fintech, retail/ecommerce, and enterprise sectors. The company specialises in production-ready AI systems, compliance-first fintech platforms, and agentic workflow automation. Its primary clients are CTOs, CPOs, and founders at SMBs and scale-ups who need to ship AI or fintech products without building an internal engineering team from scratch. Typical engagements run from 8-12 weeks for an MVP to 3-6 months for a scaled platform. Innovify has delivered 120+ products, is rated 4.7★ on Clutch, and helped build companies including Zilch (fintech unicorn, ~$2B), Landbay (£150M), and Gener8 (BBC Dragon's Den).

## Core Information

- [Home](https://innovify.com/): Overview of services, industries, solutions, and key case study highlights. Starting point for understanding what Innovify does and who it serves.
- [About Innovify](https://innovify.com/about): Company history from 2011 to present, mission, team, and delivery philosophy. Founded by Maulik Sailor; 15+ years building digital products. First client was the BBC. In 2025 the company refocused exclusively on AI-native and ML-driven product development.
- [Contact / Start a Project](https://innovify.com/contact): Entry point for prospective clients. Leads to a discovery call booking.
- [Our Work (Case Studies)](https://innovify.com/work): Full index of 30+ client case studies across fintech, ecommerce, AI, and enterprise verticals.

## Services

- [AI & ML Development](https://innovify.com/services/ai-ml-development): Innovify's primary service. Covers AI/ML strategy, generative AI, agentic workflows, conversational AI, RAG applications, custom ML models, MLOps, and AI infrastructure. End-to-end lifecycle from discovery to continuous monitoring. Designed for companies building production AI systems, not proofs of concept.
- [Data Engineering](https://innovify.com/services/data-engineering): Data pipeline design, data modelling, cleansing, and generation to create training-ready and production-reliable datasets. Prerequisite for most AI/ML work.
- [Product Design & Development](https://innovify.com/services/product-design-and-development): UX-led product design combined with engineering. Covers wireframing, prototyping, design systems, and full product development cycles.
- [Software Engineering](https://innovify.com/services/software-engineering): Full-stack and backend engineering using API-first, cloud-native architectures. Includes CI/CD pipelines, microservices, containerisation.
- [DevOps & MLOps](https://innovify.com/services/devops-and-mlops): Infrastructure automation, model deployment, versioning, and performance monitoring. Connects engineering and ML operations.
- [Dedicated Teams](https://innovify.com/services/dedicated-team): Embedded engineering pods that work as an extension of the client's team. Suited to clients who need ongoing capacity without hiring full-time.
- [Data Analytics & Intelligence](https://innovify.com/services/data-analytics-intelligence): Business intelligence, reporting, predictive analytics, and dashboards built on client data.
- [Technology & Engineering](https://innovify.com/services/technology-and-engineering): General software engineering and architecture advisory for clients modernising legacy systems or building new platforms.
- [Staff Augmentation](https://innovify.com/services/dedicated-team): On-demand engineers placed into client teams for specific roles or skill gaps.

## Solutions

- [Agentic Commerce & Payments](https://innovify.com/solutions/agentic-commerce-and-payments): Infrastructure for AI agents that autonomously initiate and execute purchases and payments. Relevant to ecommerce and fintech companies preparing for AI-driven shopping and autonomous transaction flows.
- [Embedded Finance & Wallets](https://innovify.com/solutions/embedded-finance-and-digital-wallets): Pre-built engineering patterns for adding financial services (wallets, payments, lending) inside non-financial products.
- [Fraud & Risk Mitigation](https://innovify.com/solutions/fraud-and-risk-management): Real-time transaction monitoring, behavioural analytics, anomaly detection, and ML-based risk scoring. Built for payments and lending platforms.
- [Prediction Markets & Exchanges](https://innovify.com/solutions/prediction-markets-and-exchanges): Platform engineering for event-based prediction and exchange products.
- [Financial Intelligence & Analytics](https://innovify.com/solutions/financial-intelligence-and-analytics): AI-driven financial data pipelines, reporting, and decision-support tooling for fintech operators.
- [Credit & Lending](https://innovify.com/solutions/credit-and-lending): Engineering for credit decisioning, loan origination, underwriting automation, and lending platform infrastructure.
- [Asset & Wealth Management](https://innovify.com/solutions/asset-and-wealth-management): Platform engineering for investment, portfolio, and wealth management products.
- [Crypto, Stablecoins & Blockchains](https://innovify.com/solutions/crypto-stablecoin-and-blockchain): Development of DeFi protocols, stablecoin infrastructure, and blockchain-integrated financial products.

## Industries

- [Fintech](https://innovify.com/industries/fintech): Innovify's deepest vertical. 30+ fintech products delivered. Covers payments, lending, BNPL, digital banking, insurance, trading platforms, and stablecoins. All fintech work is compliance-first: KYC, AML, PCI DSS, GDPR, FCA, PRA, PSD2. MVPs typically delivered in 8-12 weeks with compliance architecture built in from day one.
- [Fintech / Payments](https://innovify.com/industries/fintech/payments): Engineering for payment processors, wallets, and real-time transaction platforms.
- [Fintech / Lending](https://innovify.com/industries/fintech/lending): Credit platform engineering including origination, underwriting, and collections flows.
- [Fintech / Stablecoins & Crypto](https://innovify.com/industries/fintech/crypto-stablecoins): Blockchain-native fintech products including stablecoins and DeFi protocols.
- [Fintech / Banking](https://innovify.com/industries/fintech/banking): Core banking integrations, open banking API platforms, and digital banking products.
- [Fintech / Insurance](https://innovify.com/industries/fintech/insurance): Insurtech product engineering including real-time claims and embedded insurance.
- [Fintech / Trading Platforms](https://innovify.com/industries/fintech/trading-platforms): Low-latency trading infrastructure and financial exchange platforms.
- [Retail & eCommerce](https://innovify.com/industries/retails-ecommerce): AI-native ecommerce platforms including marketplace architecture, agentic commerce, and prediction market integrations for retail.
- [Retail / Agentic Commerce](https://innovify.com/industries/retail-ecommerce/agentic-commerce): Preparing ecommerce platforms for AI shopping agents that autonomously browse, compare, and purchase on behalf of users.
- [Retail / Prediction Markets](https://innovify.com/industries/retail-ecommerce/prediction-markets): Engineering for outcome-based and prediction-market retail products.

## Case Studies

- [Zilch – BNPL Platform](https://innovify.com/success-stories/zilch): Built PCI-compliant digital wallet and BNPL infrastructure for Zilch, now Europe's fastest-growing fintech unicorn (~$2B valuation). Sub-250ms transaction latency.
- [Landbay – Property-Backed Investment Platform](https://innovify.com/success-stories/property-backed-investments): Built MVP and scaled a compliant peer-to-peer mortgage lending platform. Enabled FCA compliance and the UK's first Innovative Finance ISA. Landbay valued at £150M.
- [ARM – Cloud-Based SoC Design System](https://innovify.com/success-stories/arm-cloud-based-soc-design-system): Delivered a cloud-native platform for ARM enabling autonomous semiconductor IP exploration, configuration, and simulation.
- [Vonage – Unified AI Intelligence Platform](https://innovify.com/success-stories/vonage-business-phone-voip-communication-apis-contact-center): Built scalable data ecosystem with predictive analytics and automated reporting for Vonage's enterprise operations.
- [Gener8 – Ad Revenue Sharing Platform](https://innovify.com/success-stories/gener8-ad-blocker): Built secure browser extension allowing users to earn from selected ads. Helped Gener8 raise investment on BBC Dragon's Den.
- [Umoja – DeFi Credit Marketplace](https://innovify.com/success-stories/umoja-decentralized-credit-global-payment-innovation): Built decentralised credit platform with secure payments and scalable infrastructure for African and Latin American markets. Raised $4M.
- [Kwanji – Cross-Border Payment Platform](https://innovify.com/success-stories/kwanji-innovifyd-for-success): Built KwanjiFX, enabling SMEs to access competitive FX rates. Drove £46M turnover.
- [Aplaz – BNPL Fintech in Mexico](https://innovify.com/success-stories/aplazo-fintech-product-infrastructure-platform): End-to-end fintech product and cloud infrastructure for a regulated digital credit platform in Mexico.
- [Betarisk – AI-Driven Portfolio Risk Management](https://innovify.com/success-stories/how-innovify-built-betarisk-an-ai-driven-risk-platform-for-investment-banking): UX-led AI-powered risk analytics platform built for investment banking.
- [Karsten Moholt – Industrial Predictive Maintenance](https://innovify.com/success-stories/karsten-moholt-norway-industrial-iot-and-ai-predictive-maintenance-solutions): Cloud-native IoT platform predicting turbine failures using real-time sensor analytics. Reduced downtime across global fleets. Funded by Innovate UK.
- [Notchup – AI-Powered Career & Team Co-Pilot](https://innovify.com/success-stories/notchup-ai-powered-career-team-co-pilot): Transformed a job board into an AI talent intelligence platform with automated vetting and personalised career roadmaps.
- [Brickowner – Property Crowdfunding Platform](https://innovify.com/success-stories/property-crowd-funding): Built and scaled MVP into full investment platform. Generating £1M+ ARR.
- [BBC iPlayer – Video-on-Demand](https://innovify.com/success-stories/bbc-iplayer-is-a-video-on-demand-service): Technical architecture advisory and agile delivery consulting. Accelerated feature rollout by up to 70%.
- [British Council – IELTS Scholarship Portal](https://innovify.com/success-stories/british-council): Redesigned and launched a secure, globally scalable IELTS scholarship portal in 30 days.
- [Orbis – AI Compliance Automation Platform](https://innovify.com/success-stories/how-innovify-built-for-orbis-an-ai-powered-regulatory-compliance-automation-platform): AI-powered regulatory tracking and compliance reporting across multiple EU government sources.
- [Enerlytics – AI Solar Farm Management](https://innovify.com/success-stories/how-innovify-built-enerlytics-an-ai-driven-platform-for-solar-asset-intelligence): Predictive monitoring and automated operations platform for solar energy assets.

## Insights & Blog

- [Blog index](https://innovify.com/blogs): All published articles. Covers AI adoption, fintech engineering, agentic commerce, embedded finance, product-market fit, and ML architecture. Written primarily for CTOs, CPOs, and technical founders.
- [AI Native Enterprise Guide – Part 1: Execution Layer](https://innovify.com/insights/ai-native-enterprise-execution-layer-guide): How enterprise technology teams transform engineering, testing, DevOps, and delivery workflows to become AI-native.
- [AI Native Enterprise Guide – Part 2: Management Layer](https://innovify.com/insights/ai-native-enterprise-management-layer-guide): How technology leaders build AI-native management through workforce planning, delivery management, and organisational design.
- [AI Native Enterprise Guide – Part 3: Governance Layer](https://innovify.com/insights/ai-native-enterprise-governance-layer-guide): Frameworks for AI security, compliance, risk management, and agent governance in enterprise settings.
- [Agentic Commerce: How Retailers Should Prepare](https://innovify.com/insights/top-tips-for-established-online-retailers-to-prepare-for-agentic-commerce): Infrastructure, payments, and product data requirements for AI-driven autonomous shopping.
- [Agentic Payment Protocols: The Future of Autonomous Commerce](https://innovify.com/insights/understanding-agentic-payment-protocols-and-where-they-are-heading): Technical breakdown of how AI agents securely initiate, authorise, and execute financial transactions.
- [AI Transaction Monitoring: Architecture and Compliance](https://innovify.com/insights/automating-vigilance-how-to-automate-transaction-monitoring-using-machine-learning): Designing scalable ML-based transaction monitoring with explainability and low false-positive rates.
- [Merchant Fraud Detection with AI](https://innovify.com/insights/the-trojan-horse-how-to-evaluate-merchant-fraud-risk-with-anomaly-detection): Detecting merchant fraud using anomaly detection and AI to reduce chargebacks in payment ecosystems.
- [Money Mule Detection via Graph Analytics](https://innovify.com/insights/mapping-the-network-ai-to-detect-money-muling-patterns-using-graph-analytics): Using graph analytics to identify money mule networks from transaction relationship data.
- [NLP Vendor Selection for Production Fintech Systems](https://innovify.com/insights/vetting-ai-vendors-for-robust-nlp-solution-deployment): How to evaluate NLP vendors for architecture fit, resilience, and compliance risk.
- [AI Startup Partnerships: Risk and Integration at Scale](https://innovify.com/insights/building-alliances-with-ai-startups-for-breakthrough-innovation): How enterprises manage integration complexity and risk when partnering with AI startups.
- [Playbooks](https://innovify.com/playbooks): Structured guides on fintech and AI product topics. Longer-form than blog posts.
- [Podcasts](https://innovify.com/podcasts): Audio content covering AI, fintech, and product strategy.

## More Information

- [AI Labs](https://innovify.com/ai-labs): Innovify's research and experimentation arm. Explores emerging AI capabilities and how they apply to fintech and ecommerce.
- [For Startups / Innovify Ventures](https://innovify.com/startup): Information for early-stage founders. Innovify has an incubation track alongside client services (past incubations include Zilch, Landbay, Gener8, and many other startups who raised Series A or beyond).
- [Clutch Profile](https://clutch.co/profile/innovify): Independent third-party reviews and ratings.
- [LinkedIn](https://www.linkedin.com/company/innovify/): Company updates, team announcements, and thought leadership posts.
- [Get Future Ready community](https://luma.com/GetFutureReady): Exclusive invite-only community of founders, operators and leaders exploring AI, FinTech and eCommerce.