FINANCIAL SERVICES

Smarter Systems for a Faster Financial Future

Your customers expect instant answers. We help you deliver—with modern platforms, real-time data, and AI that drives both compliance and connection.

AI-powered financial services, built for trust and scale

We help financial institutions modernize legacy platforms, reduce complexity, and build intelligent systems that move fast—without compromising security, compliance, or customer trust.

Speed, trust, and intelligence now define the modern financial experience. Whether you’re a bank, credit union, insurer, or fintech leader, your customers expect more—instant answers, real-time insight, and intuitive experiences that simplify their lives. But behind the scenes, legacy tech and siloed data can stall innovation. At Robots & Pencils, we blend deep financial services experience with AI-first thinking, helping clients re-platform legacy systems, streamline operations, and build next-gen digital products. Our solutions scale with security and compliance in mind—so you can deliver with confidence and outpace slower-moving competitors.

VARO

Mobile platform enables growth & ensures regulatory compliance.

Over 1 million customers and growing

22,000+ 5-star reviews on App Store and Google Play™

FinTech Innovation

Where We Drive Value

Modern Platforms Without the Monoliths

We help financial institutions break free from slow-moving, monolithic platforms. Whether you’re migrating to microservices, re-architecting legacy apps, or building cloud-native infrastructure from scratch, our teams move fast—without sacrificing stability, security, or compliance. The result? Future-ready systems that scale as you grow and adapt as regulations change.

AI that Elevates, Not Replaces

We embed AI where it makes sense—co-pilots that support advisors, smart routing for service centers, and predictive insights that power personalization. Our systems are designed to work with your people, not around them—reducing noise, surfacing the right action at the right time, and strengthening the human connections that define your brand.

Real-Time Data, Real-World Decisions

Clean, connected data is non-negotiable in financial services. We unify fragmented sources, build ingestion pipelines, and define ontologies so your data becomes decisionready. From instant credit evaluations to dynamic risk models, our systems turn lagging data into leading insight—making every decision smarter, faster, and more defensible

Frictionless UX That Builds Loyalty

In a world of tap-to-pay and on-demand everything, financial interactions can’t feel stuck in the past. We redesign outdated flows, replace jargon with clarity, and build personalized experiences that drive engagement. From onboarding to retirement planning, we make digital banking feel intuitive, human, and responsive—because better UX earns trust.

Build Fast, Stay Compliant

Security, governance, and regulatory alignment are baked into our process—not bolted on at the end. We help financial institutions experiment safely, deploy quickly, and remain compliant every step of the way. With embedded observability, rollback strategies, and performance monitoring, our builds go live and stay resilient under pressure.

From First Launch to Full Rollout

We don’t stop at the first release. Our agile approach ensures you launch quickly, learn what works, and scale strategically. Whether you’re validating an AI-powered savings advisor or rolling out a new wealth platform, we help you move from concept to adoption— without vendor bloat or delays.

CASE STUDIES

Explore results from our forward-thinking financial services partners.

Varo

Mobile banking platform enables growth and ensures regulatory compliance.

Level Capital

Salesforce-powered lending platform automates funding from end to end.

Homepoint

Mobile app simplifies mortgage payments, account management, and offers.

Xinja

Mobile-first banking experience designed to build trust and financial confidence.

The Robots & Pencils team really pulled out all the stops for us.

Colin Walsh

CEO and Co-founder, Varo

Robots & Pencils is a team of super-skilled digital ninjas helping us to make our dream of building Australia’s first neobank a reality.

Eric Wilson

CEO, Xinja

R&P’s team brought Level’s vision of modernizing our business via a platform built on top of Salesforce from vision to reality. They are partners in every sense of the word.

Lyra Waggoner

EVP, Software Strategy at Level Capital

Let’s Build What’s Next in Financial Services

Bring us your toughest constraints—and your boldest vision. We’ll bring the engineering, design, and AI expertise to modernize legacy systems, unlock real-time insights, and build seamless, secure digital experiences.

Request a Strategy Session

OTHER INDUSTRIES

Retail & Consumer Goods