01
Governance built for a slower era
Most fintech product teams ship fast and document later — or not at all. In the early stages this works. As companies scale and regulators pay closer attention, the absence of structured governance infrastructure creates material regulatory risk.
Skyjed scales with product velocity — governance that keeps pace with fast-moving fintech teams without creating bottlenecks.
02
Consumer Duty and fair value obligations
FCA Consumer Duty applies to fintech companies with UK regulatory permissions — including payment firms, credit providers, and digital financial service businesses. Demonstrating ongoing fair value assessment and consumer outcome monitoring requires infrastructure most fintechs don't yet have.
Skyjed structures Consumer Duty workflows within the product lifecycle — fair value assessments scheduled, documented, and evidenced continuously.
03
Product approval accountability gaps
In fast-moving fintech environments, product changes, feature launches, and pricing decisions are often approved informally — in Slack, over a call, in a sprint review. When regulators ask for evidence of a product decision, the trail is typically incomplete.
Every product decision, approval, and change governed through structured workflows — permanently documented, attributed, and retrievable.
04
DORA and ICT risk management
DORA applies to fintech companies operating within or serving EU financial entities — creating ICT asset register, third-party risk management, and operational resilience documentation obligations. Many fintechs have not yet assessed their DORA exposure.
Skyjed's Asset Register and lifecycle tracking capabilities directly support DORA's register and documentation requirements for in-scope fintech entities.
05
AI product governance
Fintech is one of the highest-density sectors for AI-enabled products — credit scoring, fraud detection, investment recommendations. The EU AI Act creates conformity assessment and lifecycle documentation obligations for high-risk AI systems that most fintech product teams haven't yet built infrastructure for.
AI product governance frameworks built into the product lifecycle — EU AI Act conformity documentation structured and maintained from day one.
06
Scaling governance with the company
Governance that works for a 20-person fintech doesn't work at 200. As fintech companies scale — in team size, product range, and regulatory exposure — the manual processes that served early-stage need to be replaced with structured infrastructure before the gap becomes a liability.
Skyjed is built to scale — the same platform serves a 10-person team and a 500-person organisation, with governance that grows with you.
Product types Skyjed manages
Payment products
Digital wallets
Consumer lending
Business lending
Buy now pay later
FX and money transfer
Investment products
Crypto products
Open banking products
Embedded finance
Credit scoring tools
Fraud detection systems