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I build banking systems that are bulletproof, not held together by duct tape and wishful thinking. I ship them to production, not to a whiteboard.

Over 9 years inside a major Nordic bank, I’ve designed and shipped PSD2-compliant APIs, payment integrations, and security architectures that run in production at scale. The patterns behind them, how to structure services, handle compliance, keep systems resilient, were hard-won long before AI entered the picture.

That foundation is exactly what makes AI-assisted development work. I now build with an AI-native workflow, using proven patterns as the guardrails that keep generated code maintainable and production-grade. The result is faster delivery without the mess.

I’m currently building a bank-grade toolkit that codifies these patterns, turning years of hands-on engineering into repeatable, high-quality output.

Mika Koivisto
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Let's work together

If you need someone who can architect financial systems, write the code, and ship it to production, not just draw the boxes, let’s talk.