We build fintech applications for regulated financial institutions and fintech startups covering digital banking, payments, lending, wealth management, InsurTech, RegTech, and embedded finance.
Every product is built to the compliance standards the financial sector requires. That includes PCI-DSS for payment systems, PSD2 for open banking integrations, GDPR and CCPA for data privacy, AML and KYC for financial crime prevention, and regional frameworks including FinCEN for the US market and FINTRAC for Canada.
Compliance architecture, security controls, and audit logging are built into every product from the first sprint not added after development is complete.
We build custom fintech applications from scratch, covering architecture design, security implementation, compliance layer integration, API connectivity, and deployment. Product types include digital wallets, online lending platforms, investment apps, neobanking platforms, and multi-sided financial marketplaces.
We build mobile banking apps for retail and corporate banking, covering real-time account and transaction management, biometric login (Face ID, fingerprint), virtual and physical card management, IBAN/SWIFT transfers, multi-currency accounts, in-app customer support, and open banking API integration for PSD2-compliant account aggregation.
We build payment systems and digital wallets supporting QR code payments, P2P transfers, recurring billing, multi-currency settlement, BNPL payment flows, and POS integration. Gateway integrations cover Stripe, Braintree, Adyen, PayPal, and regional payment rails. All payment systems are built to PCI-DSS Level 1 standards.
We build blockchain-based fintech products, including smart contract development on Ethereum and Solana, tokenized asset platforms, DeFi protocol integrations, cross-border payment rails using stablecoin settlement, crypto wallets with cold storage support, and private blockchain networks for enterprise financial data sharing.
We integrate AI into fintech products for fraud detection and transaction anomaly scoring, credit risk assessment, spending pattern analysis, personalised investment recommendations, automated financial reporting, and regulatory compliance monitoring. AI models used in financial applications are built with explainability requirements (XAI) for regulatory audit trails.
We build investment and trading platforms covering real-time market data feeds (via Refinitiv, Bloomberg, or Alpaca), portfolio management dashboards, secure order execution engines, options and derivatives support, robo-advisory modules, and compliance workflows for SEC/FCA-regulated trading environments.
WealthTech platforms and robo-advisory systems serve a different buyer from trading apps; they target retail investors and independent advisors who need goal-based financial planning, automated portfolio rebalancing, and regulatory compliance. We build platforms with tax-loss harvesting, risk profiling, fractional investing, and support for MiFID II and SEC Investment Adviser Act requirements.
We build embedded finance infrastructure for non-financial platforms, integrating BNPL flows, micro-lending, in-app savings accounts, credit lines, and insurance products directly into ecommerce, logistics, HR, and retail applications via Banking-as-a-Service (BaaS) APIs. Integration options include Railsr, Synapse, and Stripe Treasury, depending on geography and product requirements.
We build personal and business finance management apps covering multi-account aggregation via open banking APIs, automated budget categorisation, savings goal tracking, bill payment scheduling, expense analytics dashboards, and tax summary exports. Data is handled to GDPR and CCPA standards with end-to-end encryption for all financial data in transit and at rest.
We build neobanking platforms and digital banking apps for consumer and SME banking, covering multi-currency accounts, IBAN issuance, SWIFT/SEPA transfers, transaction management, and open banking integration. Platforms are engineered to PSD2 (EU), RBI (India), and FCA (UK) compliance requirements.
We build payments infrastructure for P2P transfers, QR payments, recurring billing, POS integration, cross-border settlements, and multi-currency flows. Payment systems support card networks (Visa, Mastercard), alternative payment methods (SEPA, UPI, Faster Payments), and are built to PCI-DSS and ISO 20022 standards.
We build digital lending platforms for consumer loans, MSME financing, and mortgage origination — covering KYC/AML verification, automated credit underwriting, bureau integration (Experian, Equifax, CIBIL), EMI and repayment management, and digital loan agreement execution. Platforms comply with TILA (US), FCA Consumer Credit Act (UK), and RBI lending regulations.
We build wealth management platforms for retail investors and financial advisors, covering portfolio tracking, asset allocation modelling, AI-generated investment recommendations, advisor dashboards, client reporting, and compliance modules for MiFID II, SEC RIA regulations, and SEBI (India) portfolio management guidelines.
We build InsurTech platforms for insurance carriers, brokers, and comparison aggregators, covering digital policy issuance, premium calculation engines, online claims initiation and tracking, fraud scoring using ML models, and customer self-service portals. Systems comply with Solvency II (EU), Lloyd's market standards (UK), and IRDAI (India) regulations.
We build crypto finance products, including custodial and non-custodial wallets, centralised and decentralised exchange platforms, staking apps, DeFi protocol integrations, and NFT marketplace infrastructure. Security includes multi-sig wallet support, cold storage custody, and MPC (Multi-Party Computation) key management. Products are built with FATF Travel Rule compliance for regulated jurisdictions.
RegTech platforms automate the compliance workflows that regulated financial institutions must execute continuously, including AML/KYC screening, suspicious activity reporting, regulatory capital calculations, data privacy compliance monitoring, and internal audit management. We build RegTech platforms for banks, fintech startups, and NBFCs covering automated regulatory reporting, AML/KYC compliance workflows, transaction monitoring, SAR filing automation, data privacy compliance dashboards, and internal audit management. Systems support FinCEN (US), FCA (UK), RBI (India), and FATF cross-border compliance frameworks.
Our team has direct fintech experience across retail banking, SME lending, payment processing, insurance administration, and wealth management having built systems that handle real financial transactions, not prototype demos. We understand the compliance, latency, and data integrity requirements of each vertical before the first architecture decision is made.
We architect fintech systems with layered financial security AES-256 encryption at rest, TLS 1.3 in transit, HSM key management for sensitive financial data, multi-factor authentication, tokenisation for card data, API rate limiting, and OWASP ASVS Level 2 compliance. Security controls are designed into the system architecture before development begins.
We build compliance requirements into fintech architecture from day one. Standards covered include PCI-DSS for payments, PSD2 for open banking, GDPR and CCPA for data privacy, AML and KYC for financial crime prevention, and regional frameworks including FCA for UK markets, RBI for India, MAS for Singapore, and DFSA for Dubai. Compliance documentation is produced throughout development for regulatory audit trails.
We architect fintech systems as microservices from the start enabling independent scaling of high-traffic components including payment processing, transaction ledger, and user authentication without rebuilding the full system. Infrastructure is cloud-native on AWS, Google Cloud, or Azure, with event-driven architecture using Kafka for real-time financial transaction processing.
We run two-week development sprints with compliance checkpoints built into each sprint's acceptance criteria. No feature is considered complete until its security controls, audit logging, and data handling requirements are validated. Milestone-based delivery gives your technical and compliance teams review points before work progresses.
We integrate AI into fintech products for credit scoring, fraud and anomaly detection, predictive churn analysis, LLM-powered conversational banking, customer segmentation, and automated regulatory reporting. AI models used in regulated financial decisions are built with explainability (XAI) for model governance and regulatory review under EU AI Act and OCC AI guidance frameworks.
We build ML models for fintech applications covering fraud detection, credit risk scoring, transaction anomaly detection, customer behaviour analysis, algorithmic trading signal generation, and compliance pattern recognition. Models are validated for bias, accuracy, and regulatory explainability before deployment in regulated financial workflows.
We deploy fintech infrastructure on AWS (PCI-eligible services, AWS GovCloud for US-regulated products), Google Cloud Financial Services, and Azure (financial-grade SLAs), with FIPS 140-2 compliant encryption, data residency controls for GDPR and RBI data localisation requirements, and disaster recovery configurations meeting financial sector RTO/RPO requirements.
We implement RPA for fintech back-office automation, covering KYC document verification, loan application processing, claims adjudication, regulatory report generation, and reconciliation workflows. RPA bots in financial environments are built with full audit logging for compliance traceability.
We implement financial-grade cybersecurity across all fintech products, AES-256 and TLS 1.3 encryption, SIEM integration for real-time threat monitoring, zero-trust network architecture, penetration testing and vulnerability disclosure programmes, and threat intelligence feeds specific to financial sector attack patterns. Financial services is the most targeted sector for cyber attacks, security is built into our development process, not added at the end.
We start with a planning phase covering your product scope, target regulatory environment, existing system integrations, user types, and compliance obligations. Output: a documented product brief, regulatory compliance map, and development roadmap, reviewed and signed off before design begins.
We research the specific regulatory requirements for your target market (FinCEN, FCA, RBI, MAS, depending on geography), evaluate technology stack options against your compliance constraints, and review competitor product architecture for differentiation opportunities. Research outputs inform architecture decisions before a line of code is written.
We validate fintech concepts through clickable prototypes or functional MVPs, covering core transaction flows, compliance-gated user journeys (KYC, onboarding, consent), and security architecture proofs-of-concept. MVP scope includes the minimum compliance layer required to test with real financial data, not just UI interactions.
Our UX team designs financial interfaces around the trust and compliance expectations of financial users, clear fee disclosures, consent flows, error states for transaction failures, and WCAG 2.1 AA accessibility. Development runs in two-week sprints with compliance validation integrated into each sprint's acceptance criteria.
Every fintech build goes through functional, regression, load, security penetration, and compliance testing. For payment systems, we run PCI-DSS compliance validation. For banking products, we run OWASP ASVS Level 2 security testing. Testing documentation is produced for compliance audit trails.
We deploy fintech products with a phased rollout, starting with a controlled user cohort to validate transaction flows, compliance controls, and system performance under real load before full deployment. For regulated products, we produce deployment documentation for regulatory notification requirements where applicable.
Post-launch support covers security vulnerability patching, regulatory compliance updates when PCI-DSS, GDPR, or AML regulations change, performance monitoring under growing transaction volume, and feature development under defined SLAs. We provide quarterly compliance review reports for your risk and compliance team.
Every project below started with a specific technical or compliance problem a lending platform with no automated KYC, a payment processor that could not handle peak transaction load, an insurance platform with manual claims processing creating compliance gaps. Here is what we built and what changed operationally as a result.
The clients behind those products share what the build process was like and how the system has performed under real financial transaction load
DentaSmart is a mobile app that uses AI and 3D tech to simplify dental care, from early diagnosis to personalized treatment.
DentaSmart is a mobile app that uses AI and 3D tech to simplify dental care, from early diagnosis to personalized treatment.
There isn’t one fixed price because every project is different. The cost mostly depends on what you want to build and how complex it is. You can schedule a free consultation with our team to discuss your idea, explore options, and get a clear estimate based on your goals.
Every project goes through clear stages, research, design, development, testing, and review, so nothing feels rushed or uncertain.
Quality for us starts from how we plan, not just how we code.
Yes, absolutely.
We often work with clients who already have running systems or databases. Our team can analyze your current setup and build custom integrations using APIs or other secure methods to connect new features with your existing software.
Yes, absolutely.
We often work with clients who already have running systems or databases. Our team can analyze your current setup and build custom integrations using APIs or other secure methods to connect new features with your existing software.
Yes, absolutely.
We often work with clients who already have running systems or databases. Our team can analyze your current setup and build custom integrations using APIs or other secure methods to connect new features with your existing software.
Yes, absolutely.
We often work with clients who already have running systems or databases. Our team can analyze your current setup and build custom integrations using APIs or other secure methods to connect new features with your existing software.
Yes, absolutely.
We often work with clients who already have running systems or databases. Our team can analyze your current setup and build custom integrations using APIs or other secure methods to connect new features with your existing software.
No generic proposals. No template-based scoping. Tell us your product type, target regulatory environment, and timeline and we will come back with a compliance-ready development scope and architecture recommendation within two business days.
Whether you are building a new fintech product from scratch or adding compliance architecture to an existing financial system, the conversation starts here.
Fintech developers available now · PCI-DSS, PSD2, AML/KYC & GDPR specialists · Digital banking, payments & lending platforms shipped to production
