Fintech software and SaaS development companies, such as Aperia Solutions, tend to manifest the evil nature of the industries this technology enables. Owners of these types of companies tend to be despotic. They cheat their clients by up-billing whenever they can get away with it, and they treat their employees like refuse after they have squeezed them dry of whatever services they were able to provide. Many of these companies, such as Aperia Solutions, have offshored their development needs to Vietnam, Poland, or wherever they can exploit cheap labor.