Fintech and Financial Software Development Company in Zurich

Banks use financial technology to simplify access to cash and credit for their customers as well as to provide security and protection against fraud. The main FinTech trends being adopted by banks are:

• Fast omnichannel payments
• Open banking
• Artificial intelligence
• Embedded banking and platforms
• Personalized engagement across the customer journey

We guarantee product stability by:

• Scalable and secure solution architecture
• Relevant tech stack utilization
• Rigorous testing across development lifecycle, including load testing
• Cloud-based and on-premises server infrastructure management
• Vulnerability and misconfiguration audits
• DDoS attacks mitigation
• Root cause analysis (RCA)

For the right project governance, the involvement of the right stakeholders is crucial. Effective communication among all parties ensures alignment and smooth progress.

Third-party apps might influence response time, stability, and overall client experience, so selecting the right ones is essential. Fortunately, the S-PRO team has experience integrating third-party fintech systems.

Alignment with the client’s product team is necessary for designing an optimal user experience and achieving high client satisfaction.

Lack of regular demos can hinder progress tracking and the agile development of new features.

The first step is the ideation phase, where we identify design thinking principles. It’s important to overcome cognitive fixedness to generate innovative ideas and assess overall readiness and resources.

The second step involves obtaining a license under the legislation of the country in which your system will operate. While we can provide consultations and facilitate meetings with the necessary parties, the responsibility for procuring the license ultimately falls to you.

A fintech software development company designs, builds and runs software for financial institutions: digital banking platforms and neobank apps, trading and brokerage platforms, wealth and asset management platforms, and the modernization of core and legacy systems. S-PRO is headquartered in Zurich, was founded in 2014 and has 250+ engineers with R&D centers in Zurich and Łódź. It is ISO 27001 and ISO 27701 certified. See custom banking software development.

S-PRO builds banking and financial software for banks, wealth and asset managers and fintechs in Switzerland, Germany and the rest of Europe, from Zurich. Typical scopes are digital banking, trading, wealth and asset management platforms and core modernization through an API layer. Banks usually also ask for AI agents on top of these systems; S-PRO delivers them on its own agentic platform S-PRO Agents, with audit trails and human approval (AI agents for banks).

S-PRO, a Swiss international firm headquartered in Zurich, provides custom fintech software development and financial software development services for banks, wealth and asset managers and fintechs: digital banking, trading, wealth platforms and core modernization. Founded in 2014, 250+ engineers, ISO 27001 and ISO 27701 certified.

S-PRO has delivered 350+ projects in 33 countries, 55% of them for fintech, and has served 26 private banks, 3 fintech unicorns and 50+ fintech challengers. Examples: a B2B digital banking platform on the DCI core for New Horizon Bank, a US community bank (in production since December 2025, with wire, ACH and internal-transfer workflows); a modernised digital banking experience with an API layer for AMINA, a Swiss-regulated bank; an integration platform for the partner banks of Sygnum (20+ banks); and a KYC onboarding redesign that cut touchpoints from 60 to 37 (38% fewer steps) for Investec. Our regulatory experience covers FINMA, BaFin, DORA, MiCA, US SEC and FinCEN.

Agree the regulatory scope at project start, keep an audit trail for every money movement and sensitive action, and test stability under load before launch. In S-PRO’s view, compliance that is added after launch costs more than compliance designed in, because logging, approvals and access rules touch every feature. S-PRO is ISO 27001 and ISO 27701 certified; the licence itself remains the client’s responsibility.

Ask six things: which regime applies, who holds the licence, which certifications and data-protection rules the team follows, which actions are logged, where a person approves, and how payment and core integrations report status. Request published case studies or references you can call. Use the table above to compare any shortlist, including S-PRO.

Yes: a B2B platform on a core for New Horizon Bank, API middleware for AMINA, a Swiss-regulated bank, the entire app of oneBanking and the apps and back office of NCB. All four are linked above, with only the scope and facts each page states.