AI can now build enterprise software for a fraction of the cost. In a regulated industry, that's the easy part.
Banks can't innovate because they can't change. The Niutech Software Factory delivers programable transformation — overcoming the systems-and-process barriers that inhibit business outcomes. Business and engineering teams align on building to one governed, machine-driven spec, end-to-end, inside your own walls. Change becomes a capability you own — transformation on demand, on an agent-ready core that never goes legacy.
The barrier was never ambition — it's execution.
Banks are great at strategy and bad at change. Systems and process transformation is where they stall — and the numbers show it.
to replace a core, on average
Bain finds a new core banking system takes nearly five years to implement the traditional way — before a single new capability reaches a customer.
transformations succeed
McKinsey finds fewer than a third of bank transformations succeed — most overrun budget and timeline, or fail outright. The barrier isn't ambition or money; it's the inability to execute systems and process change at pace.
Niutech makes transformation a capability you own: programmatic transformation, on demand — at a fraction of the cost, with no new risk.
How Niutech closes the gap
Not a coding tool with guardrails bolted on. A governed lifecycle where the controls a regulator asks for are built in from the first decision — and the hardest part, the spec, is solved.
Solves the hardest part — the spec
Business and engineering align on one governed, machine-built specification — the end-to-end system, as a single traceable source of truth, with every requirement tied to a test before a line is built.
Every decision, on the record
You approve what gets built in plain English, with trade-offs, before code exists. Each decision is attributed to a named person and kept — so "who decided this?" always has an answer.
Quality is a gate, not a claim
Fitness functions run on every change — security, real-data readiness, accessibility, traceability — and block anything that fails. Spec-to-code lineage means every requirement is tied to a test.
No new attack surface
As AI-driven attacks escalate, autonomous coding usually widens the attack surface. The Niutech worker is isolated, outbound-only and human-gated — no inbound entry, no standing credentials, no path beyond the egress allowlist — so building with AI opens no new way in.
Agent-ready by design
Every process is exposed headlessly via API and MCP, and the same governed machinery can operate, maintain and extend what it builds — an agent-ready core that keeps evolving, and never goes legacy.
Your deployment, your data
Run your factory and everything it builds on your own infrastructure or ours. Per-organisation isolation; sovereign data. The deployment model is part of the compliance story, not an afterthought.
Your code never leaves your environment
The agent and your full codebase run on a worker inside your own cloud. Only workflow status and evidence metadata cross to Niutech — source, diffs, secrets, prompts and model keys do not.
The worker is outbound-only over mTLS. The control plane can orchestrate — it never holds your code.
Two ways to work with us
The same governed factory underneath — two commercial models.
Rebuild your core systems
For regulated enterprises replacing legacy. Deploy in your own cloud — single-tenant, on-prem capable. You own the deployment; accelerator engines (e.g. the Lending engine) are included. Proven: rebuilding a commercial lending platform cut build cost by about 98%.
Spin out new ventures on the factory
Take an idea to a governed, shippable product on the hosted factory — from prototype to commercial trial, per-seat as your team grows. Launch a new venture without an engineering team, on infrastructure that scales with you.
Solution
One factory. Everything you run on it. Underneath both commercial models is a single governed factory — here is what it does for a regulated business, and why it gets stronger the longer you run it.
Runs inside your own walls
Use the newest AI build power inside your own environment — the speed, without your code or secrets going to a vendor.
Your data stays yours
Source code and credentials never leave your environment — the clean answer to your security team.
Sealed work runs
Each job runs in its own sealed space; one piece of work can never reach another or your wider systems.
Secure contained agent environment
The AI agent works in a locked-down, contained environment with access only to what the job needs — nothing it isn't given, nothing it can reach beyond.
Run it your way
Fully hosted, or entirely on your own infrastructure — networking or compliance rules never block you.
You stay the decision-maker
You say what gets built in plain business language and sign off before and after — the judge throughout, never the coder, every approval on the record.
Complete audit trail
Every change, decision and rationale is recorded and exportable — answer "who did what, when, who approved" in minutes for any auditor or board.
Quality enforced, not hoped
Quality checks run automatically and block work that fails — standards hold even at speed.
Every requirement provably tested
Every feature is checked against the requirement it exists to meet — stronger assurance than a manual review, and exactly what an auditor wants to see.
Self-maintaining factory
The factory keeps itself healthy and to-standard as it grows — far less to babysit.
Managed operations, self-served
Keep your live system secure, patched and backed up through the same console — without hiring an ops team.
Reliable under failure
It holds up when things go wrong — no work lost, nothing done twice — the reliability an enterprise expects.
Built to be secure
Withstands your security team's due diligence and a penetration test — credentials are short-lived, scoped, and never exposed.
Built to recognised standards
Built to ISO/IEC 25010, STRIDE and container-hardening standards (Restricted PSS); designed to support SOC 2, ISO 27001, APRA CPS 230/234, DORA and GDPR — control-mapping extensible to your regime.
Best model for each job
Bring your own AI accounts and choose the best model for each task, swapping as better or cheaper ones appear — switch tools without losing context, never locked to one AI vendor.
Everyone's work, coordinated
Your people and your partners build in one shared system — business, product and engineering co-create with the same context, so intent turns straight into coordinated work instead of hours lost translating feedback.
Upgrade any part, no rebuild
Each part upgrades on its own as technology moves — you adopt what's new without a costly rebuild.
Reusable building blocks
The factory captures and reuses what it builds, so you never start from scratch — every project faster, cheaper and more consistent than the last.
Everything connected
The factory's knowledge is linked and never drifts from reality — it traces, checks and reuses work automatically, and flags when code diverges from the plan.
One shared meaning
Your business terms mean the same thing across every part of the system — nothing lost in translation, work safely reused.
Your standards, applied automatically
Your rules and quality bar are captured in the system and applied to every project — the discipline scales and doesn't walk out the door when a key person leaves.
Plug in your partners' work
Your partners' and specialists' work is captured into the factory once and stays live as shared context — it keeps itself current instead of dying in a document, so their expertise compounds.
Turn legacy into a modern build
Point the factory at an old system and get a plain-English specification and design to rebuild from — legacy becomes a governed, modern build.
Start small, grow into it
Begin low-cost, add capability as you grow — pay for what you need.
How it works
The same governed path, every project.
Specify
Business and engineering align on one governed, machine-built spec — every decision surfaced in business terms.
Design & build
Agents work within the boundaries you set and tested.
Prove
Fitness gates + owner-readable reports at every stage.
Ship
Verify-then-merge. Deploy to your infrastructure or ours.
Join the waitlist
Niutech is opening to a first set of partners. Tell us your email and we'll invite you when your factory is ready.