TIME FRAME:

Encore’s FinTech delivery center: Built from scratch, scaled globally, retained 100%

Business impact & Key results:

Engaged mobile development expertise through a stand-alone center

nCube built and managed an autonomous delivery center that took full ownership of the mobile development process, from early planning and coding to implementation and post-launch support. The client focused solely on milestone tracking and quality control, while the team delivered an end-to-end solution.

Established consistent delivery processes across the enterprise’s global operations

With stakeholders distributed across North America, Europe, and Asia, Encore needed unified coordination across teams. From our Europe-based delivery center, we established clear communication and collaboration workflows that spanned multiple time zones and departments.

Maintained 100% team retention during the entire SDLC and beyond

While the client faced high attrition rates among offshore providers, our delivery center maintained 100% retention throughout the entire development lifecycle and post-launch. This stability ensured continuous delivery, preserved project knowledge, and eliminated disruptions.

The product met FinTech requirements and industry standards

Encore Capital operates in a highly regulated financial environment, requiring strict adherence to industry standards. nCube’s team brought hands-on experience in FinTech development, including compliance, data protection, and financial integration.

What Encore Capital says about us

The guys were very engaging. It was really a pleasure to work with nCube. The team was responsive and brought any blockers/bottlenecks to me as early as possible. All the engineers were very proactive - able to use just little guidance and then to build a brand from it. We were also very pleased with more than fair pricing and realistic timeline for the project to be done, that was suggested by nCube.

Timothy Fuller

Senior Program Manager at Encore

Business context

Encore Capital Group is a global financial services enterprise. As part of its digital transformation, the company set out to build a robust mobile application to help individuals manage their debt more effectively.

Lacking in-house mobile development expertise, they approached nCube to establish a stand-alone delivery center in Europe. We built and onboarded a strong team of 15+ experts (including BA, PM, DevOps, QA, UX/UI, and software engineers) that took full ownership of mobile development. As a vendor, we handled all on-the-ground support for the center, including talent retention, office operations, trip coordination, and daily team oversight.

Challenges Encore faced

Solutions we provided

No in-house mobile development expertise

The company needed to launch a mobile debt management platform critical to their digital transformation goals but lacked internal expertise in mobile development.

nCube built a stand-alone delivery center specializing in FinTech mobile development

We provided a strong team that was fully responsible for mobile development, owning the entire delivery cycle from ideation to launch. nCube handled every aspect of overhead, from team member selection, onboarding, and communication setup to office space, infrastructure, talent retention, and daily team comfort.

Finding skilled engineers with Fintech background

Encore needed developers who not only had strong technical skills but also understood the regulatory landscape of the financial services industry.

nCube provided engineers with in-depth FinTech expertise

We assembled a team with hands-on experience in financial services and compliance-driven development that was able to handle mobile development process from start to finish. Their familiarity with industry standards ensured that Encore’s products met regulatory requirements.

Managing a distributed team across different time zones

Encore needed a team that could operate in sync with its global stakeholders without delays or misalignment caused by time zone differences.

nCube enabled seamless collaboration across geographies

We established structured communication workflows, aligning the team’s working hours with Encore’s HQ. This ensured real-time collaboration, smooth coordination with teams in the US, India, and Spain, and uninterrupted delivery.

High attrition with other providers

Encore had experienced poor retention with some offshore vendors, causing disruption, onboarding delays, and knowledge gaps.

nCube maintained 100% talent retention during SDLC and post-launch

Our delivery center provided stable, long-term engineering capacity. We ensured 100% team retention from start to post-launch thanks to our on-the-ground support, extensive retention programs, competitive salaries, and employee perks.

Solution overview

nCube partnered with Encore Capital to establish a mobile delivery center focused on building a mobile application for debt management.

We assembled a full product team, including mobile and web developers, backend engineers, QA specialists, UI/UX designers, DevOps, business analysts, and a project manager. The team operated autonomously, with minimal client supervision, taking full ownership of every step of the solution delivery. This allowed Encore to focus solely on milestone tracking and product quality.

Our engineers brought hands-on FinTech mobile development experience, ensuring compliance with financial standards. We also implemented strong agile and communication processes to align teams across North America, Europe, and Asia.

SERVICES

Front-end

Back-end

Mobile

UI/UX

TECH STACK

Java

Angular.js

iOS Swift

JavaScript

Android Kotlin

Why choose nCube

125,000+ talent network across Europe, LATAM, and Asia

We provide access to a vast talent pool across top nearshoring regions, building teams with the right time zone alignment, English proficiency, and cultural fit, and skills from mainstream tech stacks to in-demand expertise in AI/ML, Data, Cloud, IoT, and beyond.

Full team control – zero overhead

Your team integrates into your workflows and reports to you directly. We handle HR, legal, payroll, retention, and equipment while you stay focused on delivery.

3 engagement models tailored to your needs

Choose from staff augmentation, Dedicated Team, or R&D center. Each model is designed to support different stages of growth, from MVPs to enterprise systems and innovation.

50% faster than internal staffing

Thanks to our established processes, we deliver pre-screened candidate profiles within 24-48 hours and launch full teams in 2-6 weeks.

98% developer retention rate

We don’t just build teams – we keep talent around for as long as you need it. Our retention programs ensure long-term team stability, continuity, and deep immersion into your project.

Results

Delivered a compliant, production-ready app aligned with industry standards

Achieved 100% team retention throughout SDLC and post-launch

Scaled in sync with Encore’s global operations across 3 continents

Freed the client from overhead—we handled everything from hiring to daily operations

Enabled faster product delivery with minimal client supervision

Contact us to get started

Dmytro Malashevskiy

Head of Business Development

Schedule a call

Your steps with nCube:

Schedule a call – Discuss your needs.

Get matched with top engineers – Handpicked for your project.

Seamless integration – Your extended team.

Scale & succeed – Flexible growth, long-term success.