Case StudyCaso de EstudioCas d'Estudi
Accelerating Digital Wallet Innovation with Agile Transformative TaaS
Scaling Fintech at the Speed of Emerging Markets
In cross-border payments, agility is survival. Merchants demand frictionless experiences. Consumers expect wallets that just work: instantly, across borders, in any currency.
For a mid-sized fintech company headquartered in Spain, serving merchants across Latin America, Africa, and beyond, the stakes were even higher. Founded in 2017, this privately held payment processor had grown rapidly to over 400 employees and annual revenues exceeding $150 million by supporting more than 300 payment methods across a dozen countries through a unified API platform.
But growth brought complexity. To stay ahead in fast-moving emerging markets, the company needed to launch its next-generation Digital Wallet (DW), faster than traditional development models would allow. With 80+ wallet screens already in design and complex backend integrations underway, they faced a critical challenge: how to scale product development at startup velocity while maintaining enterprise-grade security and reliability.
They achieved it with Agile Transformative Teams as a Service (TaaS) from SEIDOR Opentrends.
The Challenge: Building While Scaling
Technical Execution:
- End-to-end design and development of 80+ mobile screens optimized for diverse user behaviors across Latin American and African markets.
- Seamless integration with existing payment processing infrastructure supporting 300+ payment solutions.
- React Native development to ensure consistent performance across iOS and Android while maintaining a single codebase.
- Rigorous QA processes to meet financial compliance standards across multiple regulatory jurisdictions.
Organizational Agility:
- Dedicated agile teams with specialized skills in mobile fintech, not just general developers.
- Elastic scaling capability to adjust team composition sprint by sprint as priorities evolved.
- A dedicated growth team to run structured experiments, test adoption hypotheses, and optimize retention metrics in real time.
- Deep collaboration with internal backend teams to synchronize delivery without creating dependencies.
Market Demands:
- Speed to market before competitors captured wallet adoption in key regions
- Flexibility to pivot based on early user feedback from test markets
- Cost efficiency that aligned investment with actual delivery needs, not headcount projections
Traditional outsourcing was too rigid and not agile enough to scale expertise up or down by sprint. Internal hiring was too slow. They needed teams as dynamic as their market.
The Solution: An Agile TaaS Service by SEIDOR Opentrends
SEIDOR Opentrends delivered more than staff augmentation. We provided dedicated, cross-functional agile squads operating under a flexible Teams as a Service (TaaS) framework specifically designed for high-velocity fintech product development.
Team Composition: End-to-End Digital Product Capability
- BA & Product Management
- React Native Development
- UX Chapter
- QA Chapter
How We Delivered: Agile Execution at Scale
Iterative Sprints: Every two weeks, the squads delivered working software: tested, integrated features ready for internal validation. This cadence enabled early user feedback from pilot markets, allowing the fintech to course-correct based on real adoption signals rather than assumptions.
Lean UX & ICE Prioritization framework: The growth team focused on high-impact features, using the ICE model (Impact, Confidence, Ease) to prioritize initiatives for the highest value, feasible implementation, adoption, and retention. This approach transformed the backlog from a wish list into a data-informed roadmap.
Integrated Collaboration: Agile squads collaborated closely with the fintech’s internal backend team. Daily standups and sprint planning aligned mobile development with backend API readiness. Retrospectives identified bottlenecks. The result was a synchronized delivery without the typical headaches associated with integrating distributed teams.
Flexible Scaling: The TaaS model allowed squads to scale up or down according to the project phase, sprint objectives, or emerging opportunities. This elasticity (harder to achieve with traditional hiring or fixed outsourcing contracts) meant the fintech paid for capability exactly when needed, with no idle capacity and no scrambling for expertise.
Results: Speed to Market, Built to Scale
The digital wallet launched on schedule enabled the fintech to move quickly in competitive emerging markets. The platform was deployed across 12+ Latin American countries and expanded into African markets, supporting 300+ payment methods and enabling seamless cross-border transactions in local currencies. The scalable architecture and agile development approach established during the engagement enabled a rapid multi-market rollout.
The Agile TaaS model delivered outcomes that traditional approaches couldn't match. The fintech avoided lengthy hiring cycles that would have delayed market entry, enabling internal product leaders to focus on high-value strategic activities.
“The difference with SEIDOR Opentrends was night and day. Instead of stitching together freelancers or one-off developers, we had a full agile team that functioned like an extension of us. They scaled when we needed, pulled back when we didn’t, and always kept momentum on track.”
— Head of Product, Spain-based Fintech
Why SEIDOR Opentrends for Digital Product Dev?
Often, high-growth companies don't need more developers. They need elastic capability: to scale expertise precisely when and where it's needed, without the friction of traditional hiring or the rigidity of fixed outsourcing contracts.
Agile Transformative Teams as a Service from SEIDOR Opentrends delivers digital product development like cloud infrastructure: elastic, outcome-focused, and future-ready. From launching new digital products to accelerating adoption, SEIDOR Opentrends’ Agile TaaS model provides the teams, process and expertise to get you there.
→ Ready to build your roadmap with Agile TaaS? Let’s make it happen.