Fintech App Development Company

The Fintech Opportunity Right Now

The global fintech market was valued at $394.88 billion in 2025 and is on track to reach $1,760 billion by 2034, growing at an 18.2% CAGR. Digital payments alone account for 46% of total fintech market activity.

Neobanking is the fastest-growing segment at 18.7% CAGR. Over 3 billion people now own smartphones, and 79% of adults globally hold a financial account.

Demand for mobile banking apps, digital wallets, and payment platforms has never been higher. The companies winning in this environment are not using off-the-shelf software. They are building purpose-built fintech products with clean architecture, strong compliance, and a clear user experience. That is where we come in.

The Fintech Opportunity Right Now

Fintech App Development Services

We build secure, scalable, and compliance-ready fintech solutions for banks, financial institutions, startups, and enterprises. From digital banking and payment systems to lending, wealth management, insurance, and blockchain applications, our fintech development services help businesses deliver modern financial experiences.

Digital Banking Apps

1. Digital Banking Apps

We build full-featured mobile and web banking applications for banks, neobanks, credit unions, and financial startups. These apps support account management, fund transfers, bill payments, transaction history, ATM locators, QR code payments, real-time notifications, and AI-powered chatbots.

We build for both Android and iOS, with web dashboard access for bank staff.

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Digital Wallet Development

2. Digital Wallet Development

We develop e-wallet applications that let users store, send, and receive money without entering card details for every transaction. Our wallets support multi-currency balances, P2P transfers, UPI integration (for India), SWIFT and SEPA for international transfers, QR-based payments, and wallet-to-bank withdrawals.

Every wallet we build is PCI-DSS compliant from day one.

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Payment Gateway Integration and Development

3. Payment Gateway Integration and Development

We build custom payment gateways and integrate with existing providers including Razorpay, PayU, Stripe, Braintree, PayPal, and SWIFT. Our payment systems handle card processing, net banking, UPI, BNPL (Buy Now Pay Later), recurring billing, and cross-border transactions.

Every integration includes fraud detection, transaction monitoring, and tokenisation.

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Core Banking Software

4. Core Banking Software

We develop modular core banking systems with customer onboarding, account management, general ledger, transaction processing, currency exchange, card issuing, reporting, and an integration hub.

Our core banking builds follow a microservices architecture so you can scale individual modules without rebuilding the entire system. We work with banks and NBFCs looking to modernise legacy systems or launch a new digital bank.

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Lending and Credit Platforms

5. Lending and Credit Platforms

We build loan origination systems, credit scoring engines, underwriting platforms, and loan management systems for banks, NBFCs, P2P lending companies, and microfinance institutions.

Features include automated credit decisioning, KYC-linked onboarding, EMI calculators, repayment tracking, and regulatory reporting. We integrate with credit bureaus including CIBIL, Equifax, and Experian.

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WealthTech and Investment Platforms

6. WealthTech and Investment Platforms

We build investment and portfolio management platforms for wealth managers, stockbrokers, and robo-advisor services. These platforms include real-time market data feeds, portfolio tracking dashboards, risk profiling tools, automated rebalancing, tax reporting, and client-facing investment apps.

We integrate with BSE, NSE, and international stock exchange APIs.

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InsurTech Solutions

7. InsurTech Solutions

We develop insurance platforms that cover policy management, premium calculation, digital claim processing, underwriting automation, and customer self-service portals.

Whether you are a standalone insurer or an embedded insurance product inside a banking app, we build the platform around your product and regulatory requirements.

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RegTech and Compliance Software

8. RegTech and Compliance Software

We build regulatory technology tools that automate KYC, KYB, AML screening, fraud monitoring, and compliance reporting.

Our RegTech builds reduce manual compliance work, cut onboarding time, and generate the audit trails regulators require. We integrate with global compliance databases, sanction lists, and PEP (Politically Exposed Persons) screening tools.

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Blockchain and DeFi Applications

9. Blockchain and DeFi Applications

We develop blockchain-based financial applications including smart contracts, decentralised exchanges (DEX), cryptocurrency wallets, tokenisation platforms, and DeFi lending protocols.

We work with Ethereum, Solana, Polygon, and Hyperledger Fabric depending on your use case and transaction speed requirements.

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Open Banking API Development

10. Open Banking API Development

We build and integrate Open Banking APIs that let third-party developers connect to your banking infrastructure securely. This covers account data access, payment initiation, consent management, and developer sandbox environments.

We align all Open Banking builds with RBI guidelines (India), PSD2 (Europe), and FCA standards (UK).

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Security and Compliance Standards We Build To

Fintech is not standard software development. A single security gap can expose customer financial data, trigger regulatory penalties, and end a company's operating licence. We build security into the architecture from the start, not as a patch after launch.

PCI-DSS Compliance

Every fintech app we build that handles cardholder data follows PCI-DSS (Payment Card Industry Data Security Standard) requirements. This covers data encryption, secure transmission, access controls, vulnerability management, and regular security testing. We do not cut corners here.

KYC and AML Integration

We integrate automated KYC (Know Your Customer) and AML (Anti-Money Laundering) workflows into onboarding and transaction monitoring flows. This includes document verification (Aadhaar, PAN, passport), biometric face match, liveness detection, watchlist screening, and suspicious transaction alerts. We work with trusted KYC API providers to reduce onboarding time to under 5 minutes.

GDPR and Data Privacy

For clients serving users in Europe, we build full GDPR compliance into data handling, consent management, right-to-erasure workflows, and data breach notification systems. We also align with India's DPDP Act (Digital Personal Data Protection Act, 2023) for domestic clients.

ISO 27001 and SOC 2

We follow ISO 27001 information security management principles across all fintech builds. For clients requiring SOC 2 compliance, we help structure your systems, access controls, and logging to meet auditor requirements.

End-to-End Encryption

All data in transit and at rest is encrypted. We use AES-256 for data at rest, TLS 1.3 for data in transit, and implement tokenisation for payment credentials. Sensitive fields never appear in logs or error messages.

Multi-Factor Authentication

Every fintech app we build includes MFA options — OTP via SMS or email, authenticator app support (Google Authenticator, Authy), biometric authentication (fingerprint, Face ID), and device binding for trusted devices.

Core Features in Every Fintech App We Build

These features go into every banking and fintech product we ship:

Feature Description
Secure login and MFA users authenticate with biometrics or OTP, not just a password.
Real-time transaction alerts push notifications for every debit, credit, or login.
Dashboard and analytics users see their spending, balance, and account activity at a glance.
Beneficiary management save and manage payees for faster transfers.
Dispute and chargeback management users can raise and track disputes within the app.
Admin panel your operations team gets a clean back-office to manage users, transactions, KYC cases, and reports.
API integrations connections to payment rails, credit bureaus, KYC providers, tax systems, and third-party services.
Multi-language and multi-currency support essential for fintech products serving users across India or globally.
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Our Fintech App Development Process

We follow a structured fintech development process that prioritises compliance, security, scalability, and user experience from day one.

01

Discovery and Compliance Mapping

We start by understanding your product, your target users, your transaction types, and the regulatory environment you operate in. This shapes every architecture and compliance decision we make. We identify which standards apply — PCI-DSS, RBI guidelines, PSD2, GDPR — before writing any code.

02

Architecture Design

We design a microservices or monolithic architecture based on your scale requirements. For high-volume payment systems, we recommend microservices with independent scaling for transaction processing, KYC, notifications, and reporting modules.

03

UX and UI Design

We design clean, trust-building interfaces. Financial apps need users to feel confident, not confused. Every screen is wireframed and approved before development starts. We run usability tests on key flows like onboarding, fund transfer, and transaction dispute.

04

Development and Integration

Development runs in two-week agile sprints. You get a staging environment with access to the latest build throughout the project. Integrations — payment gateways, KYC APIs, banking APIs — are handled by dedicated integration engineers.

05

Security Audit and Penetration Testing

Before launch, we run a full security audit including OWASP Top 10 vulnerability checks, penetration testing, and PCI-DSS compliance verification. We fix all findings before the product goes live.

06

QA and Performance Testing

We test every function across devices and browsers. Load testing confirms the platform handles your expected transaction volume. We test for edge cases: failed payments, timeout handling, duplicate transaction prevention, and session expiry.

07

Launch and Post-Launch Support

We manage the production deployment and monitor the system for 30 days post-launch. All alerts, error logs, and performance metrics are shared with your team in real time.

Technology Stack We Use

We choose the right technology based on your security requirements, transaction volume, and team capabilities.

Technology Category Technologies We Use
Front-End React.js, Next.js, Angular, Vue.js
Mobile React Native, Flutter (cross-platform), Swift (iOS native), Kotlin (Android native)
Back-End Node.js, Python (Django, FastAPI), Java (Spring Boot), PHP (Laravel)
Database PostgreSQL, MySQL, MongoDB, Redis (for real-time session management)
Cloud AWS, Google Cloud Platform, Microsoft Azure
DevOps Docker, Kubernetes, CI/CD pipelines with Jenkins or GitHub Actions
Security Vault by HashiCorp (secret management), OWASP compliance, SAST/DAST scanning
APIs Razorpay, PayU, Stripe, SWIFT, NSDL, CIBIL, DigiLocker, Aadhaar Bridge, BSE/NSE APIs
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Why Financial Institutions Choose GIT Infosys

GIT Infosys has built web and mobile products for financial services clients since 2010. Our team operates from Jaipur, India, with clients in India, the UK, the UAE, the US, and Australia.

Domain Knowledge

We understand core banking architecture, regulatory compliance requirements, payment rails, and financial data structures. You do not spend time explaining industry basics to us.

Security-First Engineering

We treat PCI-DSS, KYC, AML, and GDPR as non-negotiable build requirements — not optional features. Every fintech product we ship is tested against these standards before launch.

Cost Advantage Without Quality Compromise

India-based development costs 60 to 70% less than equivalent teams in the UK or US. You get enterprise-grade security and architecture at a competitive price.

Full-Stack Capability

We handle everything — product design, front-end, back-end, mobile, compliance integration, security testing, and post-launch SEO and marketing. One team, no handoffs.

Transparent Process

You see the staging environment throughout the project, join weekly sprint reviews, and receive progress reports every two weeks. Nothing gets built in a black box.

Frequently Asked Questions

Fintech app development is the process of building software for financial services — mobile banking apps, digital wallets, payment gateways, lending platforms, investment tools, and compliance systems.

It requires deeper security, compliance, and domain expertise than standard app development.

A basic digital wallet or payment app takes 10 to 16 weeks. A full-featured mobile banking app with KYC, core banking API integration, and admin panel takes 16 to 28 weeks.

Timeline depends on feature scope and third-party integration complexity.

A basic fintech MVP starts from ₹3,00,000 to ₹5,00,000. A production-grade banking app with compliance, admin panel, and API integrations starts from ₹8,00,000 and scales with features.

We provide a detailed quote after a discovery call.

Yes. Every app we build that processes or stores cardholder data follows PCI-DSS requirements.

This includes data encryption, tokenisation, access controls, and vulnerability management. We do not deploy any payment feature without compliance verification.

Yes. We integrate with all major Indian payment systems including UPI (NPCI APIs), Razorpay, PayU, CCAvenue, Cashfree, and Paytm.

We also integrate with RazorpayX for banking API access and payroll management.

Yes. We use React Native and Flutter for cross-platform builds that work on both Android and iOS from a single codebase.

For apps requiring native-level performance — complex animations, deep hardware integration — we build separate Swift (iOS) and Kotlin (Android) codebases.

Yes. We understand RBI guidelines for payment aggregators, prepaid payment instruments (PPIs), peer-to-peer lending platforms, and NBFC digital lending rules.

We build systems that generate the required regulatory reports and audit logs.

Open Banking allows third-party apps to access banking data with the customer's consent through secure APIs.

We build Open Banking API infrastructure aligned with RBI's Account Aggregator framework (India) and PSD2 (Europe). This enables data sharing, credit decisioning, and embedded finance use cases.

Yes. We offer monthly maintenance packages that cover security patches, API updates, regulatory changes, performance monitoring, and feature additions.

Financial software requires ongoing attention — regulations change, APIs deprecate, and security threats evolve.

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