On this page, you’ll find the best 21 fintech software development companies that are making a real splash in the industry. If you need innovative, secure, and scalable fintech apps — whether for payments, banking, crypto, or anything else — your perfect partner is waiting for you on the list.
Directories
S-PRO
Hourly Rate: $25–$49
Team Size: 50–249 employees
Year Founded: 2014
Location: USA, Ukraine, Poland, Switzerland
Cases: Treezor, Earlybird, Clear Street, and others
S-PRO is a fintech software development company with a solid track record in banking, crypto, and finance and over 10 years of experience. During this time, S-PRO has built more than 20 finance products. S-PRO’s services cover everything from banking app development and data management to AI-driven features, asset management, and Web3 solutions. If you’re after innovation with deep finance know-how, S-PRO delivers.
Vention
Hourly Rate: $50–$99
Team Size: 1,000–9,999 employees
Year Founded: 2002
Location: New York, NY
Cases: DealCloud, StoneX, Barchart, and others
Vention is a fintech app development powerhouse with roots in New York and talent spread worldwide. The company primarily serves mid-sized businesses and large enterprises, building custom solutions of various scales — from MVPs to complex systems. Whether you require wealth management, credit, personal finance, or analytics solutions, they’ve got you covered.
Future Processing
Hourly Rate: $50–$99
Team Size: 250–999 employees
Year Founded: 2000
Location: Gliwice, Poland
Cases: Demica, Crédit Agricole, OTI Capital, and others
Future Processing is a Polish-based fintech app development company that works with banks, financial institutions, and enterprise clients across Europe. Since 2000, they have been delivering various types of software, including loan and mortgage apps, crypto payments, online banking, and more. They specialize in digitalization and AI, so you can expect smart, efficient fintech solutions.
Partnership
Ciklum
Hourly Rate: $25–$49
Team Size: 1,000–9,999 employees
Year Founded: 2002
Location: London, UK
Cases: Paysafe, Seeking Alpha, Payoneer, and others
Ciklum is a global fintech application development firm headquartered in London. Known for flexibility and fast scaling, they help businesses augment their teams or deliver full fintech products — from web platforms to mobile apps. If you’re growing fast and need expert hands, Ciklum can help.
SoftServe
Hourly Rate: $100–$149
Team Size: 10,000+ employees
Year Founded: 1993
Location: Austin, TX
Cases: Tax Systems, Shawbrook, WorldRemit, and others
With roots going back to ’93, SoftServe is a global tech player helping financial services innovate. Their fintech application development services cover everything from cloud-based tools to data platforms, often for enterprise giants. They’re an excellent choice for complex, data-driven fintech projects with scale in mind.
EPAM Systems
Hourly Rate: $150–$199
Team Size: 10,000+ employees
Year Founded: 1993
Location: Newtown, PA
Cases: Glarner Kantonalbank, IPC Systems, ImageNPay, and others
EPAM is one of the largest financial software development companies on the list. In fact, three of their top five clients come from the financial sector. Since 1993, they’ve grown into a global enterprise, operating in over 55 countries and regions. They bring deep technical expertise to every stage — strategy, engineering, and long-term support.
Luxoft
Hourly Rate: $100–$149
Team Size: 10,000+ employees
Year Founded: 2000
Location: Zug, Switzerland
Cases: Finastra, Avaloq, Temenos, and others
Luxoft specializes in complex backend work that most companies don’t want to deal with — think core banking, real-time analytics, and legacy software modernization. They’ve partnered with top-tier banks and financial institutions across the globe, bringing enterprise-level solutions that stand up to real-world demands. If your fintech apps development needs profound backend expertise, Luxoft offers just that.
GlobalLogic
Hourly Rate: $100–$149
Team Size: 10,000+ employees
Year Founded: 2000
Location: San Jose, CA
Cases: Fetch Pet Insurance, Insurity, and others
Part of the Hitachi Group, GlobalLogic delivers cutting-edge financial products, platforms, and services. This fintech app development firm works globally across the USA, the UK, and Eastern European countries. When partnering with them, expect solutions for banking, asset and wealth management, and payments.
Intellectsoft
Hourly Rate: $50–$99
Team Size: 50–249 employees
Year Founded: 2007
Location: Miami, FL
Cases: E&Y, Investment Evolution Corporation (IEC), and others
Intellectsoft’s fintech software developers are known for their versatile expertise. They help companies build everything from crypto wallets to smart banking interfaces. Plus, they provide fintech mobile app development services — including mobile banking and payments.
ScienceSoft
Hourly Rate: $50–$99
Team Size: 250–999 employees
Year Founded: 1989
Location: McKinney, TX
Cases: Kapital Bank, ONE Technologies, Unibank, and others
ScienceSoft has been around since floppy disks, but they’re anything but outdated. This fintech development company handles full-cycle development of all types of solutions — P2P platforms, client-facing apps, digital wallets, processing systems, the list goes on. Banks and financial service providers turn to them for innovation, from AI to blockchain.
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Key areas
Key Areas Fintech App Development Companies Should Cover
Fintech app development companies must be acutely aware of any changes in legislation and upcoming governmental programs that influence financial apps and products. This ensures their work stays compliant and safe to use in the modern market.
Regulatory Compliance & Security
Any competent banking app must be able to process instant transactions, offer card and account management, and support payments made through third-party APIs. It’s the standard feature set to fulfill base user needs.
Core Banking & Payment Integrations
Tools for automated and manual risk assessments and anti-money laundering must be built to guarantee that the financial app is safe to use and isn’t associated with scams. Besides, this functionality is also part of keeping the app legally compliant.
Fraud Detection & Risk Management
To support rapid scaling and prevent outages, fintech apps often rely on resilient architecture, typically built on cloud platforms. These can be crucial for contingency planning and automated resource distribution.
Scalable Cloud & Infrastructure Architecture
Another baseline feature is the ability to store and manage assets through the app, as well as move money between accounts and banking institutions. It’s best to provide flexibility in management options to clients while keeping the UI simple.
Digital Wallets & Money Movement
Knowing your users is crucial, as you can better cater to their needs by, for example, knowing that they’re from the USA, middle-aged, and interested in crypto. This data assembles into a full picture that allows you to tailor your services.
Data Analytics & Personalization
Not every user is going to be tech-savvy, so providing accessibility features and a simplified, clean UX will go a long way toward capturing a larger share of the market. Things like special fonts, knowledge bases, and larger touchscreen zones help a lot.
User Experience & Accessibility
AI is likely the top technology in the world nowadays, and the banking sector is no exception, as it helps automate customer support, claim processing, and basic verification. Use it to offload basic tasks, so your team can tackle more complex ones.
AI-Driven Automation
Future Trends in Fintech App Development
Focus on Anti-Fraud
- Automated Defenses. As we pointed out before, banking app development companies must offer ways to mitigate risks and prevent scams, using instruments like AI.
- Taking Responsibility. Whether they like it or not, banks may be subject to new legislation that levies heavier penalties for customers getting defrauded.
P2P Gains Steam
- Client Empowerment. Users are interested in apps that let them eschew traditional banking in favor of low- or no-commission transfers.
- Staying Relevant. As P2P adoption grows, fintech app development companies help traditional banks remain competitive by offering relevant features.
Stablecoins for 2026
- Crypto Continues. While the market may be saturated with all kinds of currencies, there is no real sense of fatigue among new adopters.
- Stability Sells. With countries, including the USA, pondering official stablecoin releases, the future seems to be set for them.
More Personalized Offerings
- Gen Z Demands. The younger generation shows an over 80% interest in services tailored to their needs and interests.
- AI as a Tool. Top models can help assess new clients and categorize them for personalization.
Agentic AI is Key
- A Change in AI. Previously, the best companies could hope for would be simple generative chatbots, but they are already out of fashion.
- Agentic Systems. These are comprehensive, fully automated platforms that can initiate and execute transactions, communicate with clients, and adapt to tasks on the fly.
Integration and Embedding
- Pay Everywhere. Instead of limiting payments to the financial app, a bank embeds payment capabilities into third-party platforms and digital touchpoints.
- eCommerce Support. Instant payments in online shops and installment payments are key entry points into the wider online market.
FAQ
What does a financial app developer actually do?
A fintech app developer builds software that powers digital finance — like budgeting apps, banking platforms, digital wallets, and so on. Beyond coding, they help with API integrations, security, and performance. Developers who deliver top fintech apps also have an in-depth understanding of both technology and finance.
How to pick the right fintech software development company?
Check if the financial app development company has proven experience in your niche — whether it’s neobanking, lending, or investment platforms. Look at their case studies, talk to their fintech app developers, and ask how they handle security, scalability, and compliance. A good company will also offer fintech app consulting services.
Which company is best for fintech mobile app development?
If you’re a startup, partner with a fintech mobile app development company that’s agile. If you’re an enterprise, choose those experienced in complex infrastructure and third-party integrations. All in all, consider S-PRO, Ciklum, Intellectsoft, and TechMagic for mobile development.
Which company is suitable for fintech startups?
You’ve got several fintech app development companies to choose from. Think about S-PRO, Geniusee, TechMagic, Kindgeek, and Netguru. These firms offer finance and banking app developers who understand the fast-paced nature and needs of startups.
How do a fintech development company and a regular dev shop differ?
The main difference between these two is the level of financial expertise. Unlike a general dev shop, a fintech application development company understands regulations, user expectations, and how to build trust in financial tools.
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Get in touch
Get in touch
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- Contact us: +41 79 535 63 77
R&D centers
Zug, Switzerland (HQ)
Dammstrasse 16, 6300
Zurich, Switzerland
Löwenstrasse 45, 8001
Lodz, Poland
Zachodnia 70, 90-403
Lviv, Ukraine
Heroiv UPA 71, 79000
Kyiv, Ukraine
Verkhnii Val St, 24, 04071
Business representatives
Salt Lake City, USA
Kiln SLC, 26 S Rio Grande St, UT 84101
Austin, USA
11801 Domain blvd., 3rd Fl, Austin, TX 78758
Amsterdam, Netherlands
Gustav Mahlerplein 2, 1082 MD