Emerging markets often grapple with inconsistent power grids, fluctuating exchange rates, and fragmented payment ecosystems. Addressing these challenges requires systems designed for resilience and flexibility. By leveraging open banking APIs and decentralized technologies, Starling Labs approaches financial systems with a focus on interoperability and local adaptation. In scenarios like a fintech startup expanding into Africa, the process might begin with identifying regulatory bottlenecks, understanding local user behaviours, and mapping integrations to mobile money platforms like M-Pesa or Airtel Money. The solution is then tested to withstand high traffic and unpredictable network conditions, ensuring seamless operations during peak demand.