Industry platforms

Fintech app development

Money apps need speed, trust and compliance in equal measure. We build fintech products on licensed partner rails, with security reviewed at every release.

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What is fintech app development?

Fintech app development is building digital financial products such as payment apps, wallets, lending platforms, investment and trading apps, expense managers and insurance apps. It combines mobile and web development with banking integrations, KYC, fraud prevention and regulatory compliance.

What our fintech app development covers

Payments, wallets, investment, lending and personal finance apps built for Indian regulation.

UPI and payments

Payment collection, payouts and QR through licensed partners.

Digital KYC

Aadhaar, PAN, CKYC and video KYC.

Account aggregator

Consent based financial data for underwriting.

Wallets and ledgers

Double entry ledgers with reconciliation.

Fraud controls

Device binding, velocity rules and alerts.

Compliance

Audit trails and data localisation.

How we approach fintech app development

In India most fintech products run on regulated partners: sponsor banks, NBFCs, payment aggregators and account aggregators. We design the product and integrate those partners correctly.

Clear onboarding, transparent fees and fast support decide whether users trust a money app, so UX gets as much attention as security.

Every project starts with a short discovery call and ends with software you own: source code, data, cloud accounts and documentation are handed over in your name.

Modules and features

  • Onboarding
  • KYC
  • Payments
  • Ledger
  • Rewards
  • Support
  • Admin console
  • Reports

Built for

  • Fintech startups
  • NBFCs
  • Banks
  • Insurance companies
  • Brokers
  • Enterprises

Technology we use

  • Flutter
  • React Native
  • Node.js
  • Java Spring
  • PostgreSQL
  • Kafka
  • AWS

From first call to launch

The same five stages for every build, with a working demo at the end of each sprint so you see progress, not promises.

  1. Discovery

    We map your process, users and data, agree the first release and give you a fixed price for it.

  2. Design

    Clickable prototypes of the key screens, reviewed with the people who will use them every day.

  3. Build in sprints

    Two week sprints with a demo each time. You can change priorities between sprints.

  4. Test and launch

    Functional, security and load testing, data migration, training and a planned go live.

  5. Support and grow

    Monitoring, fixes and new features on a monthly plan, or a clean handover to your team.

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Questions about fintech app development

Do we need an RBI licence to launch a fintech app?

It depends on the product. Many startups operate through licensed partners. Regulatory questions should be confirmed with your legal adviser; we build to the partner and regulatory requirements you are given.

How do you secure financial apps?

Encryption, certificate pinning, device binding, secure key storage, rate limiting and independent penetration testing.

Can you integrate account aggregator data?

Yes, through licensed account aggregator and FIU integrations.

Do you work only in Kolkata?

Our engineering team is based in New Town, Kolkata, and we work with clients across West Bengal, the rest of India and overseas. Most projects run remotely with weekly demos, and we meet in person when it helps.

Get a free scope for your fintech app development project

Share three details. A senior engineer from our Kolkata team will call you, understand the problem and send a written scope with timeline and cost. No obligation, no spam.

  • A short call with an engineer, not a salesperson
  • A written scope: modules, technology, timeline and fixed cost for phase one
  • Honest advice, including when an existing product fits better than custom code

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