Capital Investment Trust's website, apps and e-commerce system were originally built by another team. JoinX took them over in 2023. We first kept the systems stable and completed security adjustments and audits under Financial Supervisory Commission (FSC) rules. Then we rebuilt the ETF website, integrated PX Pay, and improved online account opening and electronic ETF applications. The partnership is now in its fourth year and still ongoing.
Background
Capital Investment Trust uses its website, apps and e-commerce system to let investors look up funds and ETFs, open accounts and subscribe online. Investors use these systems every day, and they must meet the FSC's requirements for IT outsourcing and security in financial services. Capital Investment Trust describes JoinX as an IT outsourcing developer that meets the FSC's standards, and JoinX maintains its website, ETF website and apps. The systems were built by another team. Capital Investment Trust needed a team that could take them over completely, understood financial regulation, and could keep developing alongside the business. • Why: Move the existing website, apps and e-commerce system to a new team while passing security testing and audits. • Goal: On a stable, compliant base, move ETF, account opening, application and payment services online one by one. • Core features: Website and ETF website, iOS and Android apps, online account opening, electronic ETF applications, PX Pay integration
Challenges
When a financial system changes teams, it cannot stop for a rewrite. Investors use it every day, and regulation and security requirements do not relax because the team changed.
01
The website, apps and e-commerce system were all live. Before changing anything, we had to inventory the code, server environments and app store accounts and confirm every part could be maintained.
02
IT outsourcing in financial services comes with clear security requirements. Issues found in app security testing must be fixed one by one and documented for audits. A new screen alone is not enough to go live.
03
ETF products, account opening flows and payment methods keep changing. New features need a team that knows the existing architecture so they build on it instead of starting over each time.
Solutions
JoinX first made the takeover and compliance solid, then moved services online one at a time at Capital Investment Trust's pace.
After reviewing the source code, environments and existing features, we took over maintenance. One team handles both the iOS and Android apps, so releases, updates and issues always have the same point of contact.
We fixed the issues found in app security testing and completed security adjustments and audits under FSC rules. Capital Investment Trust describes JoinX as an IT outsourcing developer that meets the FSC's standards.
We improved the ETF section and rebuilt the ETF website, bringing product information, real-time estimated NAV, dividends and trading information into one site that works on desktop and mobile.
We improved the online account opening flow and identity verification (KYC), moved ETF applications to an electronic process, and integrated PX Pay, so investors can open accounts, apply and pay online.
Tech stack
In financial systems, the point is not to finish everything at once. Each new feature must leave existing services and compliance intact.
01
One team maintains and updates the native iOS and Android apps, handling security fixes and app store releases together.
02
Account opening integrates identity verification (KYC), and ETF applications are now electronic, cutting paperwork and back-and-forth.
03
New services such as PX Pay connect to the existing systems through integrations, with no need to rebuild everything for one feature.
Impact
Security adjustments and audits were completed under FSC rules. This is how Capital Investment Trust describes JoinX.
Online account opening, electronic ETF applications and PX Pay have gone live, so investors no longer need to visit a branch or mail paper forms.
Since the 2023 takeover, the same team has kept developing the website, apps, ETF website and account opening flow.
We'll work alongside you to bring your vision to life—let us help clarify your requirements!
