FinTech software development company: custom solutions

100+

FinTech projects successfully delivered

80+

dedicated FinTech software experts

75%

mid- and senior-level developers

Full-cycle FinTech software development services we provide

Custom FinTech software development

We design and build platforms from scratch, tailored to your business model, compliance needs, and infrastructure. Every solution scales with you and integrates seamlessly with existing systems.

FinTech software support & modernization

From bug fixes to full rebuilds, we upgrade and support your systems to boost performance, security, and compliance without disrupting operations.

FinTech integration services

We connect your product with banks, PSPs, APIs, CRMs, and internal systems for seamless data flow and automation to help you move faster, create frictionless UX, and adapt to change.

FinTech consulting services

Get a development plan that aligns with your goals, tech stack, and regulatory requirements to keep your product on track and primed for launch.

FinTech cybersecurity services

Protect every layer of your platform with encryption, access controls, fraud detection, and threat modeling. Our practices align with PSD2, PCI DSS, GDPR, and other global standards.

Compliance & risk automation

Innowise implements automated KYC, AML, and transaction monitoring to cut manual work, reduce regulatory risk, and keep investors confident.

Payments & digital wallets

We build payment hubs, QR/paylink flows, P2P systems, and multi-currency wallets for crypto and fiat. Integrated with Stripe, Mambu, SDK.Finance, and SumSub, our platforms offer KYC/KYB, AML, and embedded finance features for secure transactions.

Lending & credit platforms

We design lending platforms with automated origination, scoring, and repayment tracking to streamline borrower and back-office experiences. Our solutions make credit smarter and easier to manage, improving the borrower experience.

Investment & wealth management

Leverage customizable tools for advisors and individuals to manage portfolios, onboarding, and analytics with compliance-ready automation. Make informed investment decisions faster and more efficiently, with tools that streamline onboarding and analytics.

Insurance software development

Future-proof and modernize insurance with platforms that automate claims, underwriting, and policy workflows, cutting resolution and renewal times. Our solutions provide a more responsive experience for both insurers and policyholders.

Blockchain software development

Innowise designs and develops smart contract infrastructures, asset tokenization, digital ID systems, and audit trails built for transparency and scale.

Crypto exchange development

Our team delivers high-availability, compliance-ready trading platforms, whether centralized, decentralized, or hybrid — optimized for speed and regulatory scrutiny.

Core development & support

Custom FinTech software development

We design and build platforms from scratch, tailored to your business model, compliance needs, and infrastructure. Every solution scales with you and integrates seamlessly with existing systems.

FinTech software support & modernization

From bug fixes to full rebuilds, we upgrade and support your systems to boost performance, security, and compliance without disrupting operations.

FinTech integration services

We connect your product with banks, PSPs, APIs, CRMs, and internal systems for seamless data flow and automation to help you move faster, create frictionless UX, and adapt to change.

FinTech consulting services

Get a development plan that aligns with your goals, tech stack, and regulatory requirements to keep your product on track and primed for launch.

Security, сompliance & risk

FinTech cybersecurity services

Protect every layer of your platform with encryption, access controls, fraud detection, and threat modeling. Our practices align with PSD2, PCI DSS, GDPR, and other global standards.

Compliance & risk automation

Innowise implements automated KYC, AML, and transaction monitoring to cut manual work, reduce regulatory risk, and keep investors confident.

Payments & finance solutions

Payments & digital wallets

We build payment hubs, QR/paylink flows, P2P systems, and multi-currency wallets for crypto and fiat. Integrated with Stripe, Mambu, SDK.Finance, and SumSub, our platforms offer KYC/KYB, AML, and embedded finance features for secure transactions.

Lending & credit platforms

We design lending platforms with automated origination, scoring, and repayment tracking to streamline borrower and back-office experiences. Our solutions make credit smarter and easier to manage, improving the borrower experience.

Investment & wealth management

Leverage customizable tools for advisors and individuals to manage portfolios, onboarding, and analytics with compliance-ready automation. Make informed investment decisions faster and more efficiently, with tools that streamline onboarding and analytics.

Insurance software development

Future-proof and modernize insurance with platforms that automate claims, underwriting, and policy workflows, cutting resolution and renewal times. Our solutions provide a more responsive experience for both insurers and policyholders.

Blockchain & digital assets

Blockchain software development

Innowise designs and develops smart contract infrastructures, asset tokenization, digital ID systems, and audit trails built for transparency and scale.

Crypto exchange development

Our team delivers high-availability, compliance-ready trading platforms, whether centralized, decentralized, or hybrid — optimized for speed and regulatory scrutiny.

Compliance and security standards we support in FinTech development

In FinTech, trust starts with security and compliance done right. We make sure your products protect user data, stay on the right side of regulations, and give your team the confidence to focus on building great experiences, not worrying about what could go wrong.

PCI-DSS
GDPR
CCPA

ISO/IEC 27001
ISO/IEC 27701
ISO 9001

SOC 2 Type II
PSD2

Big FinTech goals need custom solutions

Get software built around how your business really works.

How BFSI market segments are benefiting from FinTech software

Financial institutions face a perfect storm of legacy systems, high customer expectations, and ever-shifting regulations. FinTech software helps leaders cut through the noise by streamlining operations, reducing costs, and enabling faster, smarter decisions. Here’s how key BFSI sectors are already reaping the benefits:

Banking
Payments
Lending
Mortgage
Insurance
Financing
Investment and wealth management
Decentralized finance (DeFi)
Corporate and personal finance management

Banking

Customers now expect 24/7 access to their accounts, and banks are delivering. Digital platforms provide for self-service operations, instant processing of transactions via open banking APIs, and fully paperless workflows. This shift cuts overhead and meets the demands of a mobile-first customer base.

Payments

Fast, secure, and flexible payments are a baseline now. With custom gateways and support for QR, NFC, and peer-to-peer transfers, FinTech solutions drive better customer satisfaction and lower churn. Blockchain-backed processing is also opening doors to domestic and cross-border crypto transactions.

Lending

Smart automation reduces delays in risk assessment and loan approvals. FinTech platforms use AI to support regulatory-compliant pricing, accelerate loan decisions, and improve debt collection, all while offering more accessible borrowing and new investment models like P2P lending.

Mortgage

Digitized mortgage flows replace paperwork with automation. From fee calculations to default management, every step gets faster and more accurate. AI-powered valuations and real-time data visibility improve risk control, while scalable storage supports high-volume documentation.

Insurance

Underwriting, pricing, and claims move faster with automation and AI. Instant data capture ensures timely settlements, while multi-role portals improve collaboration across agents, clients, and vendors. New models like parametric or usage-based insurance gain traction thanks to IoT integration.

Financing

Digital platforms reduce fees and improve transparency. Borrowers get smarter recommendations on loan terms, while automated calculations streamline everything from commissions to crowdfunding transactions. Blockchain supports secure, tokenized financing through models like ICOs and STOs.

Investment and wealth management

AI-driven insights help users make better investment decisions with less guesswork. FinTech tools optimize portfolios, automate trades, and reduce risk through accurate forecasting and guided strategy. This applies across the board, from individual investors to institutional advisory teams.

Investment and Wealth Management

Decentralized finance (DeFi)

With no intermediaries, DeFi platforms enable faster and cheaper transactions at scale. Smart contracts handle automation, while blockchain infrastructure provides transparency and trust. Cross-border operations become frictionless and open access to global users and markets.

Corporate and personal finance management

Automation cuts down on repetitive finance tasks, from bookkeeping to financial reporting. Real-time data provides stronger visibility across departments, while AI-powered analytics support smarter decisions. For individuals, FinTech apps make it easier to track expenses, plan savings, and optimize daily spending.

Corporate and Personal Finance Management

Banking

Customers now expect 24/7 access to their accounts, and banks are delivering. Digital platforms provide for self-service operations, instant processing of transactions via open banking APIs, and fully paperless workflows. This shift cuts overhead and meets the demands of a mobile-first customer base.

Payments

Fast, secure, and flexible payments are a baseline now. With custom gateways and support for QR, NFC, and peer-to-peer transfers, FinTech solutions drive better customer satisfaction and lower churn. Blockchain-backed processing is also opening doors to domestic and cross-border crypto transactions.

Lending

Smart automation reduces delays in risk assessment and loan approvals. FinTech platforms use AI to support regulatory-compliant pricing, accelerate loan decisions, and improve debt collection, all while offering more accessible borrowing and new investment models like P2P lending.

Mortgage

Digitized mortgage flows replace paperwork with automation. From fee calculations to default management, every step gets faster and more accurate. AI-powered valuations and real-time data visibility improve risk control, while scalable storage supports high-volume documentation.

Insurance

Underwriting, pricing, and claims move faster with automation and AI. Instant data capture ensures timely settlements, while multi-role portals improve collaboration across agents, clients, and vendors. New models like parametric or usage-based insurance gain traction thanks to IoT integration.

Financing

Digital platforms reduce fees and improve transparency. Borrowers get smarter recommendations on loan terms, while automated calculations streamline everything from commissions to crowdfunding transactions. Blockchain supports secure, tokenized financing through models like ICOs and STOs.

Investment and wealth management

AI-driven insights help users make better investment decisions with less guesswork. FinTech tools optimize portfolios, automate trades, and reduce risk through accurate forecasting and guided strategy. This applies across the board, from individual investors to institutional advisory teams.

Decentralized finance (DeFi)

With no intermediaries, DeFi platforms enable faster and cheaper transactions at scale. Smart contracts handle automation, while blockchain infrastructure provides transparency and trust. Cross-border operations become frictionless and open access to global users and markets.

Corporate and personal finance management

Automation cuts down on repetitive finance tasks, from bookkeeping to financial reporting. Real-time data provides stronger visibility across departments, while AI-powered analytics support smarter decisions. For individuals, FinTech apps make it easier to track expenses, plan savings, and optimize daily spending.

Featured logistics software development projects

Our holistic approach to FinTech software development

Building great FinTech products means knowing what to prioritize, when to pivot, and how to maintain trust throughout the process. At Innowise, we follow a development approach that keeps your business goals, compliance needs, and user experience aligned.

Project scoping

We start by digging into your vision, regulatory landscape, and the market. Every decision begins with a clear understanding of your business logic and tech constraints.

Accurate budgeting

Our estimates reflect real complexity, not just best-case scenarios. We factor in compliance, integrations, and growth plans to help you stay on budget without surprises.

Clear communication

We keep communication open and straightforward. From weekly syncs to quick-turn decisions, you’ll always know where things stand and what’s coming next.

Risk management

FinTech is full of moving parts. We identify risks early, whether technical, regulatory, or operational, and put mitigation plans in place before they become blockers.

Project documentation

Throughout the development lifecycle, we create documentation that’s actually useful. Think clear roadmaps, decision logs, and user flows that your team can rely on.

Shared knowledge

We capture and share knowledge across every sprint. That means faster onboarding, streamlined handoffs, and fewer delays when priorities shift.

Transparent reporting

You’ll get regular updates that focus on outcomes, not just activity. Our reports highlight progress, risks, and key decisions in plain language.

Post-launch support

Going live isn’t the end. We stay on to monitor performance, resolve edge cases, and make sure your product holds up in the real world.

Change request management

Fintech moves fast. When your priorities shift, we handle change requests with a clear process that keeps your operations running with minimal disruption.

Choose Innowise as your FinTech development company

When you’re building FinTech software, you can’t afford to guess. You need a partner who gets the complexity, from compliance and scalability to speed-to-market and security. At Innowise, we bring deep industry knowledge, clear thinking, and a delivery model that’s built for real business outcomes.

No two FinTech platforms should be built the same. The architecture, workflows, and integrations all need to reflect how your business actually operates. That’s why at Innowise we don’t push templates or off-the-shelf fixes. We design systems around your business logic, giving you full control and incorporating only what actually serves your product, your users, and your business model.

Siarhei Sukhadolski

FinTech Expert

Advanced technologies we use to power your FinTech software

Machine learning

ML models detect fraud, score credit, and flag anomalies in real time to reduce risk, automate decisions, and adapt to changing financial behavior.

Big data

High-volume data pipelines power real-time analytics, compliance-ready reporting, and predictive models for smarter financial decision-making.

Blockchain

Blockchain powers transparent transactions, smart contract automation, asset tokenization, and audit-ready infrastructure for secure financial operations.

Cloud solutions

Cloud-native deployments support secure, scalable FinTech systems with CI/CD pipelines, autoscaling, and resilient infrastructure design.

IoT

IoT integrations enable real-time visibility, flexible pricing, and usage-based models, all backed by secure data pipelines and automated workflows.

Cryptocurrency solutions

Crypto wallets, exchanges, and gateways with secure key storage and multi-currency support enable compliant, high-volume transactions.

DevOps

DevOps practices facilitate faster releases, secure builds, and automation of compliance checks through CI/CD, containerization, and monitoring.

AI

AI powers smart advisors, credit models, and forecasting tools that personalize user experience and optimize performance across finance apps.

RPA

Bots handle onboarding, KYC/AML checks, and report generation to eliminate repetitive tasks and reduce error-prone manual workflows.

Need a team you can count on?

We’ve shipped 100+ FinTech projects, and we’ll back yours too.

Our tech stack

Backend

Microsoft .NET
Java
Python
Node.js
PHP
Golang

Frontend

HTML5
CSS
JavaScript

Frontend JavaScript frameworks

Angular JS
React JS
MeteorJS

iOS
Android
Xamarin
Apache Cordova

C++
Qt
C#
WPF

Objective-C
Python
Swift

SQL

Microsoft SQL Server
Microsoft Fabric
MySQL
Azure SQL Database
PostgreSQL

NoSQL

Apache Cassandra
Apache Hive
Apache HBase
Apache NiFi
MongoDB
Microsoft Fabric

AWS

Amazon S3
Amazon Redshift
Amazon DynamoDB
Amazon DocumentDB
Amazon RDS
Amazon ElastiCache

Azure

Azure Data Lake
Azure Blob Storage
Azure Cosmos DB
Azure SQL Database
Azure Synapse Analytics
Kinect DK
Azure RTOS

Google Cloud Platform

Google Cloud SQL
Google Cloud Datastore

Other

Microsoft Fabric

Apache Hadoop
Apache Spark
Apache Cassandra
Apache Kafka
Apache Hive
Apache ZooKeeper

Apache HBase
Azure Cosmos DB
Amazon Redshift
Amazon DynamoDB
MongoDB
Google Cloud Datastore

ML platforms and services

Azure Machine Learning
Azure Cognitive Services
Microsoft Bot Framework
Amazon SageMaker
Amazon Transcribe
Amazon Lex
Amazon Polly
Google Cloud AI Platform

ML frameworks and libraries

Apache Mahout
Apache MXNet
Apache Spark MLlib
Caffe
TensorFlow
Keras
Torch
OpenCV
Theano
Scikit Learn
Gensim
SpaCy

Containerization

Docker
Kubernetes
Red Hat
OpenShift
Apache Mesos

Automation & IaC

Ansible
Puppet
Chef
Saltstack
HashiCorp Terraform
HashiCorp Packer

CI/CD tools

AWS Developer Tools
Azure DevOps
Google Developer Tools
GitLab CI/CD
Jenkins
TeamCity

Monitoring

Zabbix
Nagios
Elasticsearch
Prometheus
Grafana
Datadog

Smart contract programming languages

Solidity
Rust
Vyper
Wasm

Cloud services

Amazon Managed Blockchain
Oracle Blockchain
IBM Blockchain

Frameworks and networks

Ethereum
Hyperledger Fabric
Graphene
Parity Substrate
EOSIO
Cosmos SDK
POA Network
Polkadot
Solana

Choose your service option

Leverage FinTech development expertise

Need extra hands or niche skills for your FinTech platform? Our developers integrate seamlessly with your team, filling gaps without disrupting your workflow.

Request staff augmentation

Hire FinTech software developers

Bring in a dedicated FinTech team that works like an extension of yours. From day one, we handle the execution while your team stays in charge of direction and priorities.

Request a dedicated team

Let us handle your FinTech project

Let us take full ownership of your product build. From setup to refinement, we’ll keep things moving while you stay focused on growing your business.

Request project outsourcing

What our customers think

James Odom CEO Paycheck Decentralized Finance

“The team managed to delve into the project core quickly. The workflow has been seamless so far, everything is always in a well-organized and timely manner. All crew members we have been working with so far are capable, cooperative, and responsive.”

Industry Financial services
Team size 11 specialists
Duration 24+ months
Services Blockchain software development

Or Iny CEO Zero Beta

“We are delighted with Innowise's commitment to delivering quality work and solving issues quickly. They lead an engaged approach to understanding the team's needs and accomplishing their goals.”

Industry Financial services
Team size 9 specialists
Duration 12 months
Services Custom software development

Nonzaliseko Phamane Senior Technology Leader Metropolitan

“Prior to starting our engagement, we had reviewed several IT companies on the market, and none compared to Innowise in terms of cost of service and the calibre of software developers that worked with us on the project.”

Industry Financial services
Team size 5 specialists
Duration 18+ months
Services System architecture review, chatbot & payment processing system development

FAQ

How long does it take to develop a custom FinTech software solution?

The timeline for developing a custom FinTech software solution typically ranges from 3 to 9 months, depending on scope, complexity, and compliance requirements. Smaller MVPs can launch faster, while full-scale platforms take more time. It all depends on your product goals and feature set.

How do you approach compliance and regulations in FinTech software development?

We align every FinTech build with the specific regulations your product needs to meet, whether that’s PSD2, PCI-DSS, GDPR, or local licensing rules. From day one, we design workflows, data storage, and integrations with compliance in mind, using tools like SumSub for KYC/AML and automated audit logs where required.

Do you provide FinTech product development for startups?

Yes, we provide end-to-end FinTech product development for startups. Whether you’re building an MVP, pitching to investors, or scaling your platform, we support every step. Our team helps you move fast without cutting corners.

Can you migrate or upgrade legacy FinTech software to modern FinTech solutions?

Yes, we handle legacy system upgrades, whether you’re stuck with outdated core banking logic, slow payment infrastructure, or hard-coded compliance rules. We refactor, replatform, or rebuild your software to improve performance, security, and scalability without disrupting daily operations.

How does Innowise stay ahead of industry trends in FinTech solutions development?

We stay ahead by working on real FinTech products across payments, lending, crypto, and DeFi, not just reading about trends. Our developers work with evolving APIs, test new frameworks early, and collaborate with partners like Stripe, Mambu, and SumSub to stay aligned with where the market is actually going.

Feel free to book a call and get all the answers you need.

Contact us

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What happens next?

1

Once we’ve received and processed your request, we’ll get back to you to detail your project needs and sign an NDA to ensure confidentiality.

2

After examining your wants, needs, and expectations, our team will devise a project proposal with the scope of work, team size, time, and cost estimates.

3

We’ll arrange a meeting with you to discuss the offer and nail down the details.

4

Finally, we’ll sign a contract and start working on your project right away.

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