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Financial technology · London, UKIn development

Your brand.Your finance.

Four products. One platform.

Techainology is building the platform behind branded Embedded Finance, Credit Cards, Loans and Mortgages. Run credit accounts on Techainology Core Credit, or connect the core you already use.

Explore products
Embedded FinanceCredit CardsLoansMortgages
yourstore.example / checkout
YOUR STORESecure checkout concept
Studio chairNatural oak / warm sand£600.00
Choose how to pay
Pay in full
Explore finance options
Continue to application →
YOUR BRAND
•••• 2048
CREDIT
YOUR LOANAccount overview

Your next chapter.
A clearer plan.

£5,000
Illustrative original loan amount
Your repayment planView →
YOUR HOMECase overview
A little closer
to the keys.
✓Application received
✓Documents reviewed
3Valuation
Embedded Finance · Credit Cards · Loans · MortgagesShared capabilities. Distinct lifecycles.
01 / Products

Four products.Built on one platform.

Embedded Finance, Credit Cards, Loans and Mortgages share core platform capabilities while retaining the lifecycle, controls and operating model each product requires.

Client-branded experiencesProduct-specific lifecyclesShared operating capabilitiesTechainology or client core
Embedded Finance01 / 04

Make finance part of your checkout.

Embed finance directly into the purchase experience. Connect application, checkout, merchant settlement and rewards, while the credit account continues through repayment and servicing.

Checkout finance
Merchant operations
Settlement visibility
Connected rewards
Illustrative interface. Programme channels, lender connections, payment services and reward rules are defined for each deployment.
Your brand · Connected by Techainology
yourstore.example / checkout
YOUR STORECheckout
Studio chairNatural oak / warm sand£600.00
Choose how to pay
Pay in full
Explore finance options
Illustrative example4 × £150.00
Customer viewApply in checkout
Operational contextSettlement connected
Continue to application →
Merchant settlement
£570.00 calculated payoutIllustrative purchase less example fees and subsidy.
Illustrative interface · In development
Credit Cards02 / 04

Your brand. Their everyday card.

Create a branded card experience from application and spending through clearing, servicing and rewards. Run the credit account on Techainology Core Credit or connect your existing core.

Branded card experience
Spending controls
Clearing & reconciliation
Account servicing
Techainology supports clearing, transaction matching, reconciliation and account updates. Scheme and client settlement remains outside the Techainology platform boundary.
Your brand · Card experience
YOUR BRAND
•••• 2048
CREDIT
Account
£2,400 available creditBalances, repayments, controls and rewards in one branded experience.
Illustrative interface · In development
Loans03 / 04

From application to repayment.

Give borrowers clear progress from application to repayment, while lenders manage applications, offers, accounts and servicing from a connected platform.

Application & decisioning
Offers & agreements
Repayment schedules
Borrower servicing
Initial programme scope will be validated with clients and partners. Product status: in development.
Loan account · Connected servicing
YOUR LOANAccount overview

Your next chapter.
A clearer plan.

£5,000
Illustrative original loan amount
Monthly from£164.20
Illustrative term36 months
Repayment statusOn track
StartMonth 12Month 24Month 36
Your repayment planAccount documentsServicing
Your repayment planView documents →
Application
Offer readyApplication received · Review complete · Repayment plan next.
Illustrative interface · In development
Mortgages04 / 04

Keep every mortgage moving.

Connect property information, application progress, documents and key milestones from origination through completion and ongoing servicing.

Property & case context
Assessment & underwriting
Conditions & completion
Long-term servicing
Specific mortgage products, intermediary workflows and partner integrations are configured and validated at programme level.
Mortgage case · From origination to servicing
YOUR HOMECase overview
A little closer
to the keys.
✓Application received
✓Documents reviewed
3Valuation
4Mortgage offer
5Completion
Case progress
Next: valuationMilestones, documents and next actions stay visible throughout the case.
Illustrative interface · In development
02 / Core Credit

The credit account
keeps running.

Every product creates an ongoing credit account. Techainology Core Credit can manage balances, repayments, interest, fees, account events and servicing through to closure. Already have a core? Keep it.

Techainology Core Credit

Use our core.

Manage the account lifecycle on Techainology, from account creation and balances through repayments, servicing and closure.

Account setupBalancesRepaymentsInterest & feesAccount eventsServicingClosure
T
Client Core Credit

Or keep yours.

Use Techainology for the product and operational layer while lifecycle events and account state stay connected to your existing system of record.

API integrationEvent exchangeAccount synchronisationOperational contextClient system of record
Choose the operating model that fits your business.One platform · Two core models
03 / Platform

The capabilities behind
every product.

Shared technology reduces duplication without forcing different products into the same lifecycle. Each capability can be configured around the product, client and operating model.

01

Product configuration

Rules, pricing, fees, limits, eligibility, campaigns and operational controls.

02

Decisioning & workflow

Origination, approvals, referrals, lifecycle orchestration and exceptions.

03

Customer & operations

Connected application, account and servicing context across product, support and risk teams.

04

Money & accounting

Ledger, transaction, clearing, settlement-position and reconciliation foundations for money-moving workflows.

05

Governance & control

Permissions, maker-checker processes, audit evidence and operational controls.

06

APIs & connectivity

Developer tooling, partner integrations, events, webhooks and embedded experiences.

04 / Who we help

Built for lenders, retailers and fintechs.Designed around their customers.

Lenders & financial institutions

Keep product policy explicit.

Configure terms, eligibility, controls and account servicing while connecting origination to the continuing credit lifecycle.

Retailers & merchants

Bring finance closer to the sale.

For Embedded Finance, connect checkout finance with purchases, refunds, settlement positions and rewards.

Fintechs & brands

Scale without duplicating the stack.

Launch distinct products while reusing shared configuration, operations, controls and integration patterns.

Customers

Know where you are. Know what comes next.

Clear progress, account information and next steps across applications, fulfilment and servicing.

05 / Route to launch

Milestones.Not a countdown.

Commercial availability follows product validation, partner integration, operational preparation and the approvals each programme requires.

Now · In development

Build and validate.

Develop the product experiences and supporting account capabilities across all four product categories.

Progression evidence
Defined scope and repeatable demonstrations.
Next · Partner validation

Integrate partners.

Shape first use cases with prospective clients and the financial-service partners each programme needs.

Progression evidence
Agreed responsibilities and integration testing.
Then · Controlled pilot

Run a controlled pilot.

Prepare a limited programme with approved journeys, permissions, support and operational oversight.

Progression evidence
Security, servicing and reconciliation readiness.
Later · Wider availability

Expand availability.

Use verified pilot outcomes to shape repeatable delivery and broader product availability.

Progression evidence
Demonstrated client value and repeatable onboarding.

Readiness will progress independently by product, based on validation, programme partners and required approvals.

This is a planned sequence, not an approved delivery schedule or a promise of launch dates.

06 / Company

Built in London.Designed for credit.

Techainology is a London financial technology company building a platform for branded Embedded Finance, Credit Cards, Loans and Mortgages.

The platform connects the customer experience with the product, account and operational capabilities behind it — while giving clients the choice to use Techainology Core Credit or retain their existing core.

Company
Techainology Ltd
Based in
London, United Kingdom
Business model
Platform as a service
Stage
Active development
Products
Embedded Finance, Credit Cards, Loans & Mortgages
Company number
17433178
07 / Questions

Good questions.
Straight answers.

What does Techainology do?+
Techainology is building a platform for businesses offering financial products under their own brands. It combines product experiences, operational tools and Core Credit across Embedded Finance, Credit Cards, Loans and Mortgages. Clients can use Techainology Core Credit or connect their existing core credit platform.
How does Techainology support different product lifecycles?+
Embedded Finance follows Apply → Spend → Settle → Earn. Credit Cards follows Apply → Spend → Clear → Earn, with scheme and client settlement outside the Techainology platform boundary. Loans and Mortgages follow application and fulfilment lifecycles tailored to each product. In every case, the credit account continues through servicing and eventual closure.
Do we have to replace our existing core credit platform?+
No. Use Techainology Core Credit to manage the account lifecycle, or connect Techainology to your existing core. The operating model is defined for each programme.
Is Techainology a lender or a consumer finance app?+
No. Techainology is a technology platform for businesses offering financial products. The lender, funding model and regulated responsibilities are defined for each programme. Consumers cannot apply for credit through this website.
Can the experience be fully branded?+
Yes. Techainology is designed for client-branded experiences. Interface, integration and control requirements are configured for each programme.
When will the products launch?+
Techainology is in active development. The planned sequence is product validation, partner integration, a controlled pilot and wider availability. There are no committed public launch dates on this page.
Are these live product screenshots?+
No. These are illustrative interface concepts using fictional data. They do not perform lending decisions, issue cards, move money or award real rewards.
08 / Start a conversation

Let's build
what's next.

Tell us what you're building, the product you want to explore and the problem you need to solve.

hello@techainology.com

What would you like to explore?

This creates an email draft on your device. Nothing is submitted automatically. Please do not include account numbers, financial records or sensitive personal information.

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TECHAINOLOGY

© 2026 Techainology Ltd.
Registered in England & Wales. Company No. 17433178.

Technology in development. This website is not a credit application and does not offer live financial products. Financial services depend on the relevant providers and programme approvals.