About Digitract LLC

Engineering Trust in Fintech

Founded in 2017 by financial technologists who recognised that ambitious fintech projects rarely fail from lack of vision — they fail from fragmented execution, regulatory blindspots, and security treated as an afterthought rather than a foundation.

Our Story

One firm.
Every layer.

Digitract LLC was founded in 2017 by a team of engineers and financial technology professionals with deep institutional experience across banking, exchange infrastructure, and regulatory compliance. We had observed the same failure pattern repeat itself across the industry: technically excellent products delayed by fragmented vendor relationships, compliance discovered too late in the build cycle, and security retrofitted onto already-fragile architectures.

We built Digitract to be the firm we wished had existed when we were on the buyer's side of the table — one that takes complete ownership of the entire fintech engineering stack under a single contract, with security and regulatory compliance embedded from initial architecture through to production launch.

Today, Digitract operates with UK operations and is registered in Saint Vincent and the Grenadines — serving fintech clients ranging from seed-stage neobanks to established exchanges. Our team has delivered 57 projects across 16 countries over more than eight years of focused fintech engineering practice.

2017
Founded
Established by fintech engineers and financial professionals with combined institutional experience across banking, exchanges, and payment networks.
57
Projects Delivered
From neobank cores and payment platforms through to AML integrations and data infrastructure — each delivered end-to-end under a single accountable engagement.
16
Countries Served
Cross-jurisdictional regulatory experience spanning the EU, UK, USA, UAE, APAC, and Caribbean financial markets.
Our Values

What We Stand For

01
Security Without Compromise
We do not ship systems with known security issues. Security testing is neither optional nor billable as an extra — it is included in every engagement and executed rigorously before any production deployment is permitted.
02
Radical Transparency
Clients receive direct access to sprint boards, test results, architecture documents, and complete VAPT reports. No information asymmetry exists between us. No hidden progress, no undisclosed findings, no surprises at delivery.
03
Compliance as Architecture
Regulatory compliance is engineered into the system from day one — never retrofitted after delivery. We embed compliance specialists alongside architects on every engagement from initial design through to launch.
04
Ownership, Not Excuses
We accept full accountability for delivery outcomes. When timelines slip or technical decisions prove wrong — and they sometimes do — we resolve the issue, document the learning, and never invoice the client for our own mistakes.
Leadership

The People Behind Digitract

Digitract was founded by professionals who have spent their careers at the intersection of finance and technology — building, scaling, and securing the systems that move money around the world. Each member of our leadership team is actively engaged in client delivery.

MZ
Md Zubayer Islam
Chief Executive Officer · Founder
Active
A Fintech Solutions Architect with deep specialisation in banking software systems, cloud-native infrastructure, and regulatory technology. Md Zubayer founded Digitract in 2017 with the conviction that complex fintech projects deserve a single accountable partner rather than a fragmented vendor ecosystem. He continues to lead architectural direction and client engagements personally on every flagship project.
SR
Sania Rahaman Mimu
Co-Founder · Head of People & Operations
Active
Co-founder of Digitract LLC, leading our People & Operations function. Sania built the company's talent pipeline, operational infrastructure, and internal culture from the earliest days — and continues to oversee hiring, team well-being, and the delivery operations that allow our engineers to focus entirely on building exceptional fintech systems for clients.
OP
Oleksandr Petrenko
Chief Technology Officer
Active
Leads Digitract's engineering practice across banking systems, cloud infrastructure, and data engineering. Oleksandr sets technical standards, manages our distributed engineering teams, and is the senior technical reviewer for every architecture document that leaves the firm. He brings more than a decade of experience in distributed systems and high-throughput financial platforms, previously building trading infrastructure for European exchanges.
MK
Mateusz Kowalczyk
Head of Security & Compliance
Active
Heads Digitract's security and regulatory compliance practice — owning all penetration testing, VAPT engagements, and secure code reviews across client projects. Mateusz brings extensive experience in offensive security, defensive architecture, and the regulatory frameworks (PCI-DSS, PSD2, FATF, GDPR) that govern modern fintech platforms across the European Union and beyond.
Our Journey

From Idea to Industry

Eight-plus years of building, learning, and refining what it means to be a true fintech engineering partner — not just a code shop.

2017
Digitract Founded
Digitract LLC incorporated by Md Zubayer Islam and Sania Rahaman Mimu, with a focus on integrated fintech engineering under a single contract model.
2018
First Banking Engagement
Delivered our inaugural core banking module engagement — establishing the integrated delivery methodology that defines our practice today.
2020
Cloud Infrastructure Practice
Launched dedicated cloud infrastructure and data engineering practice in response to growing institutional demand for scalable, audit-ready fintech platforms.
2022
Security Practice Expansion
Penetration testing, VAPT, and secure code reviews formally bundled into all standard delivery engagements — at no additional cost to clients.
2024
Multi-Jurisdictional Coverage
Expanded regulatory coverage to span 16 countries, with formal company structure across Saint Vincent and the Grenadines and UK operations.
2026
Today
57 delivered projects across 16 countries. Eight-plus years of continuous fintech engineering practice. ISO 27001 compliant.
Where We Are

Global Reach

Digitract LLC operates from two strategic locations — combining Caribbean financial registration with European operational presence to serve clients across multiple regulatory jurisdictions.

Kingstown
Saint Vincent and the Grenadines · Registered Office
Digitract LLC
Suite 305, Griffith Corporate Centre
Beachmont, P.O. Box 1510
Kingstown, Saint Vincent and the Grenadines
Primary jurisdiction of incorporation
Coverage: Caribbean and LATAM regulatory frameworks
London
United Kingdom · Operations Office
Digitract LLC
UK Operations
London, United Kingdom
Day-to-day client engagement and project delivery
Coverage: EU, UK, USA, MENA, APAC frameworks
Work With Us

Build with the firm that gets fintech.

Whether you are launching your first product or modernising legacy infrastructure — we would welcome the conversation.

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