Risk engines, underwriting & fraud models, trading systems; payment rails, compliance & security automation.
Estimate your credit →FinTech and InsurTech firms qualify primarily through software and quantitative modeling: risk and underwriting engines, fraud-detection models, trading systems, and payment infrastructure, plus compliance and security automation.
The qualifying uncertainty typically sits in model performance, latency, and security under real-world conditions.
Wages for time these roles spend on qualified research may count toward your credit.
Illustrative example using sample figures. Your actual credit depends on your facts; see Form 6765 and consult a tax professional.
The IRS requires qualifying research to satisfy four tests. Here's how each typically maps in this industry:
The activity aims at improving fraud-detection accuracy.
The work relies on computer science and statistics.
Unknown whether a model will reduce false positives at scale.
Teams use model training, backtesting, and controlled rollout.
Find out how much your FinTech / InsurTech company could claim — at no cost, no commitment.
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