Custom Fintech Software Development Company
E-Trading Platforms
Financial Analytics
FinTech Software
Solutions For Fintech, Insurance and Banking
Dedicated Fintech Software Solutions
CONTACT US NOW
NEED A CUSTOM FINTECH SOFTWARE DEVELOPMENT?
FinTech Software Development
FinTech Software Integration
Mobile Applications & Solutions For Fintech
With the help of mobile E-Trading applications, you can get remote access to important data to keep track of important information no matter where you are.
Mobile personal banking solutions provide your clients with outstanding user experience helping them manage all needed financial issues with the help of their mobile devices.
Make faster decisions when every minute really matters. Thanks to enhanced forecasts and recommendations, you can outperform your opponents relying on data-based supporting materials.
Get all the needed information on demand whenever you need it. Thanks to news feed aggregators and integrated analytical tools you are provided with up-to-date information to take measures that help you succeed.
With the help of money lending software, banks and loan organizations have the ability to operate with minimum risks thanks to accessing comprehensive information about their clients and dealing with huge amounts of data.
Get maximum results using additional trading applications that provide you with instant access to financial markets to visualize the real-time situation using one information source.
Fintech Software Development
Fintech Trading Platform Development
Fintech Software Outsourcing
Comprehensive Fintech Software Development Services
The fintech software development industry is experiencing unprecedented growth, with global fintech investments reaching $210 billion in 2024. As traditional financial institutions face disruption from innovative digital-first competitors, the demand for custom fintech solutions has never been higher. Our fintech development services combine 15+ years of cybersecurity expertise with deep financial domain knowledge to deliver secure, scalable, and regulatory-compliant financial technology platforms.
Whether you're building a digital banking platform, payment gateway, cryptocurrency exchange, trading platform, or lending software, our team has the technical expertise and financial industry experience to transform your vision into a production-ready fintech application. We specialize in building PCI DSS compliant payment systems, SOC 2 certified platforms, and GDPR-compliant financial software that meets the strictest regulatory requirements.
Digital Banking & Neobank Software Development
The rise of neobanks and digital banking platforms has fundamentally changed how consumers interact with financial services. Our digital banking software development services create mobile-first banking experiences that rival traditional banks while offering superior user experiences and lower operational costs. We build comprehensive core banking systems that handle account management, transaction processing, multi-currency operations, and automated compliance reporting.
Core Banking Platform Development
Build the foundation of modern digital banking with our core banking software that handles all essential banking operations.
- Multi-account management (checking, savings, loans, credit cards)
- Real-time transaction processing and settlement
- Multi-currency support with automated exchange rates
- Interest calculation and automated processing
- Overdraft protection and credit line management
- Account aggregation and linking
- Customizable fee structures and pricing tiers
- Regulatory compliance automation (KYC/AML)
Mobile Banking Application Development
Native iOS and Android mobile banking apps that provide seamless banking experiences on any device.
- Biometric authentication (Face ID, Touch ID, fingerprint)
- Card controls (freeze/unfreeze, spending limits, merchant blocking)
- Mobile check deposit with OCR technology
- Peer-to-peer payment integration (Venmo-style transfers)
- Bill payment and automatic scheduling
- Financial goal setting and progress tracking
- Push notifications for transactions and alerts
- Offline functionality for essential features
Digital Onboarding & KYC Solutions
Streamline customer acquisition with automated digital onboarding and KYC verification systems.
- Identity verification with document scanning
- Facial recognition and liveness detection
- Automated KYC/AML compliance checks
- E-signature integration for legal documents
- Instant account funding options
- Fraud detection during onboarding
- Regulatory documentation automation
- Multi-language and multi-region support
Payment Gateway & Payment Processing Development
Payment processing is the backbone of modern commerce. Our payment gateway development services create secure, fast, and reliable payment processing systems that handle millions of transactions while maintaining PCI DSS compliance. We build custom payment gateways, payment orchestration platforms, digital wallets, and point-of-sale systems that support multiple payment methods including credit cards, ACH transfers, wire transfers, cryptocurrency, and alternative payment methods.
Payment Processing Statistics That Drive Business Value
Mobile payments are projected to exceed $12 trillion by 2025, while digital wallet adoption has reached 89% among millennials. Companies implementing advanced payment processing systems report 40-60% increases in transaction volume and 25-35% reductions in payment processing costs. The global payment gateway market is growing at 22% annually, driven by e-commerce expansion and digital transformation initiatives.
Payment Gateway Development
Enterprise-grade payment gateway solutions that process transactions securely and efficiently.
- Multi-payment method support (cards, ACH, wire, crypto)
- Real-time payment authorization and processing
- Tokenization for secure card data storage
- 3D Secure authentication integration (SCA compliance)
- Dynamic currency conversion
- Payment routing optimization for lowest processing fees
- Subscription and recurring billing management
- Split payments and marketplace functionality
- PCI DSS Level 1-4 compliance implementation
Digital Wallet Development
Modern digital wallet applications that provide secure storage and seamless payment experiences.
- Stored value and prepaid card programs
- Loyalty point integration and rewards management
- QR code payment generation
- NFC/contactless payment support
- Peer-to-peer transfer functionality
- Bill splitting and group payment features
- Virtual card creation for enhanced security
- Expense categorization and reporting
- Multi-currency wallet support
Payment Orchestration Platform
Payment orchestration solutions that optimize transaction routing and reduce costs.
- Multi-provider payment routing and failover
- Automated retry logic for failed transactions
- Currency and payment method optimization
- Advanced fraud detection and prevention
- Settlement and reconciliation automation
- Chargeback handling and dispute management
- Real-time analytics and reporting
- A/B testing for payment flows
Blockchain & Cryptocurrency Development Services
The blockchain technology revolution is reshaping financial services through decentralization and transparency. Our blockchain development services encompass cryptocurrency exchange development, DeFi application development, smart contract development, and NFT marketplace creation. With over 420 million cryptocurrency users worldwide and the DeFi market exceeding $100 billion in total value locked, blockchain technology represents massive opportunities for innovative financial services.
We develop cryptocurrency trading platforms that support multiple blockchains including Ethereum, Binance Smart Chain, Polygon, Solana, and Hyperledger. Our team specializes in Solidity smart contract development, Web3 integration, and building secure crypto wallet solutions. Every blockchain solution we build undergoes rigorous security audits and penetration testing to protect against vulnerabilities and ensure the safety of user assets.
Cryptocurrency Exchange Development
Professional crypto exchange platforms with institutional-grade security and performance.
- High-performance order matching engines
- Multiple order types (market, limit, stop-loss, trailing stop)
- Real-time cryptocurrency price feeds and charts
- Multi-cryptocurrency support (100+ coins/tokens)
- Fiat on-ramp and off-ramp integration
- Margin trading and derivatives support
- Liquidity pool integration
- Cold storage and multi-signature wallet security
- KYC/AML compliance for cryptocurrency exchanges
DeFi Application Development
Decentralized finance protocols that enable permissionless financial services.
- Decentralized lending and borrowing platforms
- Yield farming and liquidity mining protocols
- Automated market maker (AMM) development
- Staking platform creation
- Governance token implementation
- Smart contract development and auditing
- Cross-chain bridge development
- Tokenomics design and implementation
Smart Contract Development
Secure and audited smart contracts for automated blockchain transactions.
- Solidity smart contract development (Ethereum)
- Rust smart contract development (Solana)
- Smart contract security auditing
- Gas optimization techniques
- Upgradeable contract patterns
- Oracle integration for external data
- Multi-signature wallet implementation
- Automated testing and verification
Trading Platform & Investment Software Development
Modern investors demand sophisticated trading platforms with real-time data, advanced analytics, and seamless execution. Our trading platform development services create institutional-grade stock trading software, forex trading platforms, robo-advisory solutions, and alternative investment platforms that handle billions in assets under management. We build platforms that support equities, options, futures, forex, commodities, and cryptocurrency trading with millisecond-level execution speeds.
Stock Trading Platform Development
Professional-grade stock trading software with institutional features for retail investors.
- Real-time market data and Level 2 quotes
- Advanced charting with 100+ technical indicators
- Multiple order types and execution strategies
- Portfolio management and performance analytics
- Research integration and analyst ratings
- Options and derivatives trading support
- After-hours and pre-market trading
- Tax loss harvesting automation
- Social trading and copy trading features
Robo-Advisory Platform Development
Automated investment management software powered by advanced algorithms.
- Risk assessment questionnaires
- Automated portfolio rebalancing
- Tax-efficient investing strategies
- Goal-based investment planning
- ESG and thematic investing options
- Performance reporting and projections
- Integration with financial planning tools
- White-label capabilities for financial advisors
Alternative Investment Platform
Alternative investment software for real estate, private equity, and crowdfunding.
- Real estate crowdfunding platforms
- Private equity and venture capital portals
- Peer-to-peer lending marketplaces
- Fractional ownership systems
- Investment verification and due diligence tools
- Investor accreditation management
- Regulatory compliance (Reg D, Reg CF, Reg A+)
- Distribution waterfall calculations
Insurance Technology (InsurTech) Development
The insurance technology sector is experiencing rapid digital transformation, with InsurTech investment exceeding $15 billion globally. Our InsurTech software development services modernize insurance operations through automated underwriting, AI-powered claims processing, usage-based insurance platforms, and digital policy management systems. We help insurance companies reduce processing times by 85%, cut operational costs by 60%, and improve customer satisfaction scores by 45%.
Lending Software & Credit Platform Development
Access to credit is fundamental to economic growth. Our lending software development services create modern loan origination systems, peer-to-peer lending platforms, Buy Now Pay Later (BNPL) solutions, and alternative credit scoring platforms that expand financial inclusion while managing risk effectively. We build automated underwriting systems that process loan applications in minutes instead of days, reducing costs by 80% while improving approval rates by 35%.
Loan Origination System Development
Complete loan management software from application to servicing.
- Digital loan application portals
- Document collection and verification automation
- Credit bureau integration (Equifax, Experian, TransUnion)
- Income and employment verification
- Automated underwriting decision engines
- Loan approval workflow management
- E-signature and disclosure management
- Loan servicing system integration
Alternative Credit Scoring Platform
AI-powered credit scoring using alternative data sources for better decisions.
- Machine learning credit models
- Alternative data integration (rent, utilities, phone bills)
- Thin-file and no-file lending solutions
- Cash flow analysis algorithms
- Behavioral data incorporation
- Real-time credit decisioning API
- Fair lending compliance (FCRA, ECOA)
- Bias testing and validation
Buy Now Pay Later (BNPL) Platform
BNPL software development for e-commerce installment payments.
- Installment payment calculation engines
- Real-time credit decisioning at checkout
- Merchant integration and checkout plugins
- Payment collection automation
- Delinquency management workflow
- Consumer portal for payment management
- Merchant reconciliation and settlement
- Regulatory compliance reporting
RegTech & Compliance Software Development
Regulatory compliance is non-negotiable in financial services. Our RegTech development services automate compliance processes, reducing manual effort by 70% while improving accuracy and reducing regulatory risk. We build AML software, KYC verification systems, fraud detection platforms, transaction monitoring solutions, and regulatory reporting systems that help financial institutions meet requirements for PCI DSS, SOC 2, GDPR, KYC/AML, MiFID II, Dodd-Frank, and other regulatory frameworks.
Wealth Management & Financial Planning Software
High-net-worth individuals and families require sophisticated financial tools. Our wealth management software development creates platforms that aggregate portfolios, optimize tax strategies, automate rebalancing, and provide comprehensive financial planning. We build portfolio management systems, financial planning software, tax optimization tools, and client portal solutions that help wealth managers serve clients more effectively while scaling their practices.
Fintech Software Development Pricing & Investment
Startup MVP
Ideal for: Fintech startups, proof-of-concept, single-feature products
- Core feature development (1-2 features)
- Web application or mobile app (single platform)
- Essential payment integration
- Basic admin panel
- Security implementation
- PCI DSS Level 3 compliance
- Cloud hosting configuration
- 3 months post-launch support
Growth Platform
Ideal for: Growing fintech companies, multi-feature platforms
- Advanced feature set (3-5 features)
- Web + iOS + Android applications
- Multiple payment method integration
- Comprehensive admin dashboard
- Advanced security features
- PCI DSS + SOC 2 preparation
- Third-party API integrations (3-5)
- Analytics and reporting systems
- 6 months post-launch support
Enterprise Solution
Ideal for: Financial institutions, complex platforms
- Comprehensive feature suite (6+ features)
- All platforms + admin systems
- Enterprise-grade security
- Full compliance (PCI Level 1, SOC 2, ISO 27001)
- Core banking integration
- Multiple integrations (10+)
- Advanced fraud detection
- White-label capabilities
- Scalable infrastructure
- Dedicated development team
- 12 months post-launch support
Blockchain & Cryptocurrency Development Pricing
Investment Range: $75,000 - $300,000+ | Timeline: 16-40 weeks
Cryptocurrency exchange development, DeFi protocol creation, smart contract development, and NFT marketplace platforms require specialized blockchain expertise. Pricing varies based on blockchain platforms supported, smart contract complexity, security audit requirements, and decentralization level. Our blockchain development team has successfully delivered 50+ Web3 projects across Ethereum, Binance Smart Chain, Polygon, Solana, and other leading blockchain networks.
Return on Investment: Real Fintech ROI Calculations
Lending Platform ROI
ROI in Year One
Processing 500 loans monthly at $180 per loan vs. $950 traditional cost = $62,500 monthly savings. Annual savings of $750,000 on $200,000 investment.
Digital Banking ROI
ROI Over 3 Years
Regional bank adds 8,500 digital customers generating $2.04M additional revenue. $350K platform investment delivers $2.04M revenue growth over 36 months.
Payment Gateway ROI
ROI in Year One
Processing 10,000 daily transactions at $75 average generates $6.84M annual revenue at 2.5% interchange. $280K development investment returns 2,444% annually.
Insurance Claims AI ROI
ROI in Year One
Reducing claims processing from 14 days to 2 days saves $180 per claim. Processing 7,000 annual claims saves $1.26M on $165K investment.
These ROI calculations are based on actual client implementations and industry benchmarks. Financial technology investments typically deliver 300-2000% ROI within the first 2-3 years through operational cost reductions, revenue generation from new digital channels, improved customer acquisition and retention, and competitive advantages in rapidly evolving markets.
Fintech Development Technology Stack
Backend Technologies
- Python, Node.js, Java, Go, Ruby
- Django, Flask, Express.js, Spring Boot
- PostgreSQL, MySQL, MongoDB, Redis
- RESTful APIs, GraphQL, gRPC
- Apache Kafka, RabbitMQ message queues
- Elasticsearch for search and analytics
- WebSocket for real-time data
Frontend & Mobile
- React, Vue.js, Angular, Next.js
- React Native, Flutter cross-platform
- Swift for native iOS development
- Kotlin for native Android development
- TypeScript for type-safe code
- Redux, MobX state management
- Tailwind CSS, Material-UI design
Blockchain Technologies
- Ethereum, Binance Smart Chain, Polygon
- Solana, Hyperledger blockchain platforms
- Solidity, Rust smart contract languages
- Web3.js, Ethers.js Web3 libraries
- Truffle, Hardhat development tools
- WalletConnect, MetaMask integration
- IPFS decentralized storage
Cloud & DevOps
- AWS, Google Cloud, Microsoft Azure
- Docker containerization
- Kubernetes orchestration
- Jenkins, GitLab CI, GitHub Actions
- Terraform infrastructure as code
- CDN for global content delivery
- Load balancing and auto-scaling
Security & Compliance
- AES-256 encryption for data at rest
- TLS 1.3 for data in transit
- OAuth 2.0, JWT, SAML authentication
- Two-factor/multi-factor authentication
- PCI DSS compliance implementation
- SOC 2 Type II controls
- OWASP Top 10 prevention
- Penetration testing and security audits
Payment & Financial APIs
- Stripe, PayPal, Square, Adyen gateways
- Plaid, Yodlee, MX banking APIs
- Coinbase, Binance cryptocurrency APIs
- Equifax, Experian, TransUnion credit
- PSD2 and Open Banking APIs
- SWIFT payment messaging
- FIX protocol for trading
Why Choose Our Fintech Software Development Services
15+ Years Cybersecurity Expertise
Founded on security principles with 5,000+ security audits performed across financial systems. Our team includes CISSP, CEH, and OSCP certified professionals. Zero security breaches across all fintech platforms we've developed. Every line of code undergoes security review using OWASP guidelines and automated vulnerability scanning.
Deep Financial Domain Knowledge
Real-world fintech experience managing $1B+ in financial assets, processing $500M+ in annual payment volume, and originating $100M+ in loans. We understand financial regulations, compliance requirements, and industry best practices from actual implementation experience, not just theoretical knowledge.
Regulatory Compliance Mastery
Comprehensive expertise in PCI DSS (Levels 1-4), SOC 2 Type II, GDPR, KYC/AML, MiFID II, Dodd-Frank, and regional financial regulations. We've successfully guided 50+ fintech companies through compliance certification processes, avoiding costly delays and regulatory penalties.
Proven Fintech Track Record
Built platforms supporting 500,000+ active users, processing 10M+ monthly transactions, and managing billions in assets. Our fintech applications operate in 25+ countries with 99.99% uptime SLAs. Portfolio includes digital banks, payment gateways, cryptocurrency exchanges, trading platforms, and lending systems.
Scalable Architecture Design
Enterprise-grade architecture built for growth from day one. Our platforms handle 10x traffic spikes without performance degradation using microservices, containerization, and cloud-native infrastructure. Designed to scale from 1,000 users to 10 million users without architectural rewrites.
Agile Development Process
Transparent two-week sprint cycles with regular demos and stakeholder feedback. Real-time project visibility through modern project management tools. Continuous integration and deployment enables rapid feature releases. Code coverage >80% with comprehensive automated testing ensures quality and stability.
Comprehensive Testing & QA
Multi-layered testing approach including unit testing, integration testing, end-to-end testing, performance testing, security testing, and penetration testing by certified professionals. Financial accuracy validation ensures transaction integrity. User acceptance testing with real users before production deployment.
Post-Launch Support & Optimization
Dedicated support teams providing 24/7 monitoring, security updates, bug fixes, and performance optimization. Regular feature enhancements based on user feedback and analytics. Compliance updates as regulations evolve. Long-term partnership approach focused on your continued success and growth.
API-First Development
Modern API-first architecture enables seamless third-party integrations, white-label solutions, and multi-platform experiences. RESTful and GraphQL APIs documented with comprehensive developer portals. Enable partners, developers, and integrators to build on your platform ecosystem.
Fintech Software Development Process
Our proven fintech development methodology combines agile principles with financial industry requirements to deliver secure, compliant, and scalable solutions. We follow a structured six-phase approach that balances rapid iteration with comprehensive quality assurance and regulatory compliance validation.
Phase 1: Discovery & Strategy (2-4 Weeks)
Deep analysis of business requirements, competitive landscape, regulatory obligations, and technical architecture. We conduct stakeholder workshops, define user personas, prioritize features using MoSCoW method, select optimal technology stack, and create detailed project roadmap with milestones and deliverables.
Phase 2: Design & Prototyping (3-6 Weeks)
User experience design focused on conversion optimization and engagement. Interactive prototypes validated through usability testing with target users. Security architecture design including threat modeling and risk assessment. Compliance framework definition ensuring all regulatory requirements are addressed from the start.
Phase 3: Agile Development (12-32 Weeks)
Two-week sprint cycles with continuous integration and deployment. Daily standups, sprint planning, and retrospectives ensure alignment. Backend API development, database optimization, frontend implementation, mobile app development, and third-party integrations proceed in parallel. Code reviews and pair programming maintain code quality.
Phase 4: Testing & Quality Assurance (4-8 Weeks)
Comprehensive testing including functional testing across all features, load and performance testing under peak conditions, security testing and penetration testing by certified professionals, transaction accuracy validation, compliance verification, user acceptance testing, and accessibility testing for WCAG 2.1 compliance.
Phase 5: Deployment & Launch (2-4 Weeks)
Staged rollout strategy minimizing risk through gradual user migration. Infrastructure provisioning and optimization. SSL certificate installation, DNS configuration, CDN setup. Database migration with zero downtime. Real-time monitoring during launch with immediate issue response capability. User onboarding and training materials delivery.
Phase 6: Support & Optimization (Ongoing)
Continuous improvement through performance monitoring, security updates, feature enhancements based on user feedback and analytics, A/B testing for conversion optimization, regular compliance updates as regulations evolve, and technical support with defined SLAs.
Security & Compliance in Fintech Development
Security is not optional in financial technology—it's foundational. Our security-first development approach embeds multiple layers of protection throughout the entire software development lifecycle. We implement industry-leading security standards including encryption, authentication, authorization, network security, application security, and infrastructure security.
Data Protection & Encryption
All sensitive financial data is protected using AES-256 encryption at rest and TLS 1.3 encryption in transit. We implement tokenization for payment card data, ensuring actual card numbers never touch your servers. Hardware security modules (HSM) protect encryption keys with secure key rotation policies. Database encryption protects against unauthorized access even if physical security is compromised.
Authentication & Access Control
Multi-factor authentication (MFA) protects user accounts with biometrics, TOTP, SMS, or hardware tokens. OAuth 2.0, OpenID Connect, and SAML enable secure single sign-on. Role-based access control (RBAC) ensures users access only data they're authorized to see. Session management with automatic timeout policies prevents unauthorized access. IP whitelisting and geo-blocking provide additional security layers.
Application Security
Every application undergoes security code review using OWASP Top 10 guidelines. Static application security testing (SAST) identifies vulnerabilities during development. Dynamic application security testing (DAST) validates security in running applications. Dependency scanning identifies vulnerable third-party libraries. Web application firewalls (WAF) protect against common attacks including SQL injection, cross-site scripting, and CSRF attacks.
Regulatory Compliance Implementation
We implement comprehensive compliance frameworks including PCI DSS for payment card security, SOC 2 for security and availability controls, GDPR for data privacy, KYC/AML for identity verification and anti-money laundering, and regional financial regulations including MiFID II, Dodd-Frank, Basel III, and Open Banking standards.
Industries We Serve with Fintech Solutions
Our fintech software development expertise spans multiple financial services sectors. We've built solutions for digital banks and neobanks, payment processors and gateways, cryptocurrency exchanges and blockchain platforms, stock and forex trading systems, peer-to-peer lending marketplaces, insurance companies and InsurTech startups, wealth management firms, mortgage and consumer lending companies, remittance and cross-border payment services, point-of-sale and merchant services, RegTech and compliance software, and embedded finance and Banking-as-a-Service platforms.
The Future of Fintech Software Development
The fintech industry continues evolving at breakneck speed. Artificial intelligence and machine learning enable sophisticated fraud detection, personalized financial advice, and automated credit decisioning. Open banking APIs create new opportunities for financial data aggregation and innovation. Decentralized finance (DeFi) challenges traditional financial intermediaries. Embedded finance brings financial services into non-financial contexts. Central bank digital currencies (CBDCs) reshape monetary systems. Quantum computing promises both opportunities and security challenges.
Organizations that invest in modern fintech software development today position themselves to capitalize on these trends. Custom fintech solutions provide competitive advantages that off-the-shelf software cannot match—optimized for your specific business model, regulatory environment, customer needs, and growth trajectory.
Start Your Fintech Software Development Project
Whether you're launching a fintech startup, modernizing a traditional financial institution, or expanding your digital financial services, our team brings the security expertise, financial domain knowledge, and technical capability to transform your vision into production-ready software. With 15+ years of cybersecurity experience, proven fintech implementations managing billions in assets, and zero security breaches across all platforms, we provide the confidence you need when building financial technology that handles people's money.
Our fintech development services deliver secure, scalable, and compliant solutions that generate measurable ROI through operational cost reductions, new revenue channels, improved customer experiences, and competitive advantages. From initial concept through launch and ongoing optimization, we partner with you for long-term success in the rapidly evolving financial technology landscape.
Ready to Build Your Fintech Solution?
Contact us today to discuss your fintech software development requirements. We'll provide a comprehensive proposal including detailed feature specifications, technology architecture, development timeline, investment breakdown, and ROI projections tailored to your specific business goals.
Email: | welcome@artezio.com |
