--- title: "Fintech & Financial Software Development in Zurich | S-PRO" url: https://s-pro.io/fintech lang: en description: "Zurich fintech and banking software company: 350+ projects in 33 countries, 26 private banks, 3 fintech unicorns. Digital banking, AI agents." updated: 2026-11-04T20:15:08+00:00 source: S-PRO (https://s-pro.io) --- Industry # Fintech and Financial Software Development Company in Zurich **S-PRO is a Zurich-based fintech and banking software development company.** We build banking software and [digital banking platforms](https://s-pro.io/custom-banking-software-development), neobank apps, trading and brokerage platforms and wealth and asset management platforms, and modernize core and legacy systems, for banks, wealth and asset managers and fintechs in Switzerland, Germany and the rest of Europe. S-PRO was founded in 2014, has 250+ engineers and R&D centers in Zurich and Łódź, and is ISO 27001 and ISO 27701 certified. S-PRO is a Claude Partner Network partner, so [AI agents](https://s-pro.io/ai-agent-development) on Claude are part of the same delivery, built on our own agentic platform, S-PRO Agents. Last updated: 2 November 2026 Accelerate innovation with software development capabilities for banking and financial services by S-PRO. Improve efficiency, customer service, and business productivity with our FinTech software development company. Request a discovery callor send a message --- ## Contact our engineers for a free evaluation of your project One of our engineers will reach out to you to further discuss your project and answer any questions you may have. Request a discovery call Michael Barskyi Head of S-PRO Switzerland Areas of expertise: IT, banking, corporate finance, and digital onboarding, with a strong focus on business development and management. Dustin Schulze Senior Business Analyst Areas of expertise: finance strategy and transformation, specializing in [driving financial growth](https://s-pro.io/finance-software-development) through strategic planning and operational improvements. Proficient in business analysis, controlling, and reporting. --- ## Success stories Societe Generale A French-based leading financial services group. #Finance FR Earlybird A venture capital investor focused on European technology innovators. #Finance DE Muuvr Proprietary active-data-for-crypto platform #Finance CH Stableton Award-Winning fintech platform and growth equity investor #Finance CH Clear Street A diversified financial services firm which modernizing the brokerage ecosystem. #Finance US Amina Bank Swiss-regulated bank. #Finance CH Maverix Securities AG One of the leading Swiss Securities Houses in the Structured Products market. #Finance CH Hyposwiss A Swiss Private Bank located in Geneva. #Finance CH Talk to an engineer who builds software for banks and fintechs. ISO 27001 and ISO 27701 certified. S-PRO is a Certified partner in the Claude Partner Network. Zurich, since 2014, 250+ engineers. Clients include AMINA Bank and Earlybird. --- ## Why choose S-PRO 01 Since 2014 Building banking and financial software since 2014, including for Swiss-regulated clients such as AMINA Bank. 02 Finance-savvy team Our teammates have a solid financial background from their previous workplaces and years of experience at S-PRO. We manage your project with a deep understanding of the industry, ensuring reliability in every solution. 03 Transparent project progress Agile and Scrum delivery with regular demos and a high-level overview of progress. 04 Clear scope We work in stages: ideation, prototype, MVP, then the full product. --- ## S-PRO in facts 2014 Founded, headquartered in Zurich 250+ Engineers ISO 27001 ISO 27701 Certified 350+ Projects delivered in 33 countries 26 Private and wealth banks served 55% of our projects are for fintech --- ## Domains we serve ## Key Fintech Software Domains We deliver custom fintech software for banks that modernizes operations, simplifies compliance, and exceeds customer expectations. Our solutions are accessible to everyone and made to be secure, scalable, and future-ready. Banking With custom fintech development, we create solutions that simplify portfolio tracking, enable risk analysis, automate reporting, and offer real-time insights. Our software supports smarter decisions for both everyday users and financial advisors. Wealth Management We develop investment management software that combines advanced analytics, trading, and portfolio management tools with custom dashboards and automated workflows. Our fintech solutions make investments a breeze. Investment Management From building digital wallets to implementing global payment gateways, our services ensure fast and secure transactions. With these fintech solutions in place, businesses deliver frictionless user experiences. Payment Services Our fintech software for lenders is designed to accelerate loan management and processing, automate risk assessment, and improve compliance. We develop custom tools that streamline the entire lending lifecycle, from application to repayment. Lenders --- ## Services we provide ### Banking services development - Integration with Core Banking systems - Prebuilt solutions for various modules - Design and development of rich UIs for banking apps – both mobile and web Get in touch ### Data management - Automate data workflows - Consolidate data from various sources in a unified storage layer - Establish better [governance](https://s-pro.io/ai-policy-management-software) and observability Get in touch ### Innovative fintech solutions - AI Assistants - Customer experience personalization - Customer engagement - Predictive analytics and anomaly detection Get in touch ### Asset management solutions - Portfolio management automation - Cross-border rules digitalization - Risk management and controls automation Get in touch Show All --- Guide ## How do you build scalable and compliant fintech software? Build compliance and scale into the design from the first workshop, not after launch. In practice that means six checks: the regulatory scope and who holds the licence, security and data protection, an audit trail with human approval on sensitive actions, reliable payment and core integrations, an architecture that is load-tested before launch, and an operations side (monitoring, back office) that people can run. Ask any fintech software partner for evidence on each point. | What to check | What to ask the partner | What good evidence looks like | | --- | --- | --- | | Regulatory scope | Which regime applies to your product, and who holds the licence? | A written scope at project start. The licence stays with the client; S-PRO can facilitate consultations. | | Security and data protection | Which certifications and rules apply? | ISO 27001 and ISO 27701; GDPR and, for payment projects, PSD2 agreed at project start | | Audit trail and approval | Which actions are logged? Where does a person approve? | Logged actions, named approvers, human approval of agent actions in AI features | | Integrations | How do payments, cards and core systems report status? | Every transfer shows a clear status (pending, failed, retried); controlled interfaces to the core | | Scalability | How is stability tested before launch? | Scalable architecture, load testing, monitoring, root cause analysis after incidents | | Operations | Who runs the product day to day? | A back office and monitoring that operations can use, not only a customer app | S-PRO's view; use it for any shortlist, including ours. S-PRO is a Swiss firm headquartered in Zurich, founded in 2014, with 250+ engineers and R&D centres in Zurich and Łódź. See also [security and compliance for financial institutions](https://s-pro.io/security-compliance-financial-institutions). ### Which regulated fintech and banking projects can you check? - #### New Horizon Bank a B2B web platform on top of the bank's DCI core, where business clients create, approve and track wire, ACH and internal transfers; in production since December 2025. [Read the case study](https://s-pro.io/casestudy/new-horizon-bank-digital-banking-platform) - #### AMINA, a Swiss-regulated bank API middleware connecting web and mobile channels with the core banking system and third-party services, without rebuilding the bank's technology from scratch. [Read the case study](https://s-pro.io/casestudy/a-new-digital-banking-experience-for-amina) - #### oneBanking S-PRO built the entire application of a Malta-based fintech; the product is a pre-launch beta, so we claim no users or results. [Read the case study](https://s-pro.io/casestudy/onebanking-fintech-app) - #### NCB, a Nordic fintech apps, back office, card and SEPA integrations and rewards. No metrics are published. [Read the case study](https://s-pro.io/casestudy/ncb-nordic-fintech-platform) Not every project is public. Where we cannot name a client, we describe the scope and do not publish figures we cannot confirm. ## Methodology Our methodology includes four stages of design thinking We explore your business context, define a problem and transform it into solutions. 00 01 Clarify Make concrete observations about users Reframe the problem to gain deeper insight into user needs. 02 Ideate Identify design principles to guide ideation. Overcome cognitive fixedness to generate innovative ideas that fulfill the users needs identified in research. 03 Develop Combine ideas into concepts by critiquing possible solutions. Prototype quickly and purposefully to answer critical questions about concepts’ viability. 04 Implement Apply principles of effective communication when describing innovation’s value to stakeholders. Reflect on innovation management strategies. --- ## Custom Fintech Solutions by S-PRO ### Digital Banking We provide custom fintech software development for neo banks, digital asset management platforms, and digital KYC and onboarding solutions. Our expertise also includes integrations with various banking APIs. To compare Swiss banking software firms and product vendors on public facts, see [Banking software development companies in Switzerland (2026)](https://s-pro.io/banking-software-development-companies-switzerland). Get in touch ### Lending & Alternative Financing Platforms Our bespoke fintech solutions include loan management software, loan comparison tools, and mobile lending apps. We also specialize in building DeFi lending and borrowing systems, as well as P2P lending marketplaces. Get in touch ### Ecommerce We deliver fintech software for the ecommerce sector, including BNPL and EPP options. Our other solutions span comprehensive merchant portals and secure ecommerce payment systems. See our [white-label solution built on a merchant API](https://s-pro.io/blog/white-label-solution-based-on-merchant-api). Get in touch ### InsurTech Our solutions for InsurTech include fraud prevention and detection systems as well as insurance marketplaces. Get in touch ### Stock Trading Platforms We build custom fintech solutions for stock trading platforms. Our development process encompasses data collection, analytics, and warehousing, along with creating data marts and smart trading bots. See also our [securities trading platform for non-professional and professional market participants](https://s-pro.io/blog/securities-trading-platform-for-non-professional-and-professional-stock-market-participants). Get in touch Show All --- ## Testimonials Lucky Bassi CEO & Co-Founder at JobDone Zurich, Switzerland 1/8 ## Testimonials Joel Sonderegger Founder at Voa Labs Zurich, Switzerland 2/8 ## Testimonials Marie Ponsardin Product Owner at GetphY, Associative Group Siel Bleu Barcelona, Spain 3/8 ## Testimonials Julian Rupp Head of Product at Exaloan Frankfurt, Germany 4/8 The partner is happy with the deliverables and ongoing work. S-PRO is doing a great job with both the front- and backend development of the solution. They’re truly invested in the success of the web app and a member of... their senior management has even devoted time to being involved. Expand ## Testimonials Andy O' Connor CEO & Founder at Zappaz Dublin, Ireland 5/8 S-PRO are a development company that are very knowledgeable in newer technologies and really good at what they do. They genuinely strive to deliver what their clients want and provide value. We are based in Ireland,... and we have had no problems with communication, as their teams speak perfect english. That they are a growing company is a testament to the ongoing value they deliver. We have been building a relationship with them for a while now and I highly recommend them. Expand ## Testimonials Tim Overton Co-founder & CTO at Modo Energy Birmingham, UK 6/8 The platform has received positive feedback for its simplicity and intuitive design. S-PRO recommended features that weren’t on our product roadmap, but they’ve become an imperative part of our product. ## Testimonials Kealan Shults Managing Director at TG Group London, UK 7/8 S-PRO were responsible for a large web project for us over 2.5 year period. Quality of code can always be better, but this is the best agency I’ve ever worked with. ## Testimonials Vianney Bidault Head of Product, Treezor Paris, France 8/8 An agile partner, S-PRO delivered everything on time and according to the client’s needs. They communicated effectively and led daily meetings to educate the client on development best practices. They impressed with their... flexibility and willingness to accommodate all scope changes. Expand --- ## Case studies [View all cases](https://s-pro.io/works) - Featured - New - Other - Banking platforms - [#Finance](https://s-pro.io/works?case_industry=finance-en) - [#UX/UI](https://s-pro.io/works?case_technology=ux-ui-en) - [#Web](https://s-pro.io/works?case_technology=web-en) - FR Mobile banking constructor for Treezor’s fintech clients View project - [#AI & ML](https://s-pro.io/works?case_technology=ai-ml-en) - [#Frontend](https://s-pro.io/works?case_technology=frontend-en) - DE VC AI platform which helps to make successful investments View project - [#Mobile](https://s-pro.io/works?case_technology=mobile-en) - UA Bond sale digitalisation for an investment fund View project - [#Data](https://s-pro.io/works?case_technology=data-en) - CH Swiss investment platform specializing in private markets View project - CH Internal platform for an investment firm View project - US Asset management platform View project - [#Blockchain](https://s-pro.io/works?case_technology=blockchain-en) - MENA Crypto exchange platform for MENA region View project - [#Manufacturing](https://s-pro.io/works?case_industry=manufacturing-en) - CH All in one videoproduction solution for filmmakers View project - [#NGO](https://s-pro.io/works?case_industry=ngo) - [#Compliance](https://s-pro.io/works?case_industry=compliance-en) - CH IUCN ChatR&R: an AI assistant whose every answer points to its source View project - [#Backend](https://s-pro.io/works?case_technology=backend-en) - US New Horizon Bank: a B2B digital banking platform on top of the DCI core View project - CH A new digital banking experience for AMINA: API middleware, web and mobile View project How we built the oneBanking app: everyday banking in one mobile app View project --- ## FAQ How can a bank or fintech start with S-PRO? With a short pilot. A design thinking pilot starts from CHF 20k and takes 2–4 weeks; it clarifies the use case, the architecture and the path to production. For the staged route from pilot to production see [AI agent pilot to production cost at a bank](https://s-pro.io/ai-agent-pilot-to-production-cost-bank), and for regulated use cases [EU AI Act compliant AI agents for banks](https://s-pro.io/eu-ai-act-compliant-ai-agents-banks). Who can build a trading or brokerage app for a neobroker in Germany? Stock trading platforms are one of the custom fintech solutions S-PRO builds. S-PRO has worked with a leading German neobroker: an AI agent plugin that classifies support tickets, retrieves account data and drafts replies that follow BaFin-relevant disclaimers and the broker’s compliance rules, with 90% correct ticket classification and more than 40% faster ticket handling. This is the published neobroker reference: an AI support agent, not a trading app. A supplier for a brokerage app should show regulated trading or banking references, explain order and account data flows, and name the regulator rules that apply (for example BaFin in Germany). Share your scope and we will come back with a first estimate. Which software development company can build a wealth management platform in Switzerland? S-PRO builds wealth and asset management platforms from Zurich, where it is headquartered (Löwenstrasse 45, 8001 Zürich). Wealth Management, Investment Management and asset management solutions are core domains, and the case studies include an AI platform for Earlybird, a European venture capital firm (data aggregation and analysis, automated due diligence and risk prediction), and a Swiss private-markets investment platform. We also build AI agents for private banks and wealth managers; see [AI agents for banks](https://s-pro.io/ai-agent-development). For relationship-manager copilots see [AI copilots for wealth management teams](https://s-pro.io/ai-copilots-for-wealth-management-teams). What is the best fintech software development company in Switzerland? There is no single best company; the right one depends on whether you need a platform vendor, a consultancy or an engineering partner. Criteria that matter to a bank or wealth manager: references from regulated clients, ISO 27001 and ISO 27701, Swiss headquarters, and fixed-scope stages with clear go/no-go points. S-PRO is headquartered in Zurich, founded in 2014, has 250+ engineers, is ISO 27001 and ISO 27701 certified, and has built for AMINA Bank and Earlybird. To compare partners on delivery record, certificates, pilot terms and ownership, see [How to select a fintech software development and AI innovation partner](https://s-pro.io/how-to-select-fintech-ai-development-partner). Which company can modernize a legacy or core banking system? Core and legacy modernization is one of S-PRO’s banking solutions. In the AMINA Bank project, S-PRO reused key elements of the bank’s existing data models and infrastructure and added an API-driven middle layer organized into business domains, instead of rebuilding from scratch. For AI features, agents connect to existing core systems such as Avaloq or Temenos through APIs and a governed data layer, so the core does not have to be replaced first. Can S-PRO add AI agents to a banking or wealth platform? Yes. S-PRO is a Claude Partner Network partner, and our team includes Claude-certified engineers and architects. We build production AI agents with audit trails and human-in-the-loop approval, and are model-agnostic where a use case requires Azure OpenAI or an on-premise model. A design thinking pilot starts from CHF 20k (2–4 weeks); see [AI agent pilot to production cost at a bank](https://s-pro.io/ai-agent-pilot-to-production-cost-bank). How much does it cost to build a FinTech app? Estimating the exact cost of developing a FinTech application can be challenging due to various factors. Both cost and timeline depend on the scope of the product. The overall cost of fintech software development is influenced by: - Technology stack - Product complexity and a number of features - AI integrations or custom LLMs development - Development team and a number of resources - Partnership model: outsourcing or in-house team For a free assessment of your fintech application development and our insights, please contact us. How do you meet financial services security standards? S-PRO is ISO 27001 and ISO 27701 certified, and we have worked with Swiss-regulated clients such as AMINA Bank. Requirements such as GDPR and, for payment projects, PSD2 are agreed and built into the project scope at the start. For AI features we add audit trails and human approval of agent actions. How long does it take to develop a banking software project? The timeline depends on the scope of the product: its features, the integrations with core banking and third-party systems, and the compliance requirements. We work in stages, from ideation and a prototype to an MVP and then the full product. To discuss your project, send us the project details and we will come back to you. What FinTech trends are banks using? Banks use [financial technology](https://s-pro.io/financial-app-development) 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](https://s-pro.io/banking-software-development) are: - Fast omnichannel payments - Open banking - Artificial intelligence - Embedded banking and platforms - Personalized engagement across the customer journey How do you ensure product stability? 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) What possible challenges will I face during the development of a banking software project? 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. What are the first two steps in FinTech app development? 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. What does a fintech software development company in Zurich do? 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](https://s-pro.io/custom-banking-software-development). Who provides banking software development and financial software development for banks and wealth managers? 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](https://s-pro.io/ai-agent-development)). Which finance software development company in Zurich builds financial software 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. Which banking and fintech projects has S-PRO delivered? 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. How do you build fintech software that stays compliant as it scales? 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. What should we ask a fintech software development company about compliance? 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. Can you show published examples of regulated banking and fintech software? 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. Show All --- ## Insights [View all insights](https://s-pro.io/blog) - Articles - Reports - Webinars - AI / ML - Blog AI in Finance Dossier: Transforming Financial Services in 2025 & Beyond - 50 min read - August 9, 2024 - S-PRO insights - Blog 7 Wealth Management Technology Trends to Outpace Your Competitors - 7 min read - July 14, 2020 - AI - Market reports AI in finance: 2024 outlook - 10 pages - September 12, 2024 - Fintech - Market reports Fintech security and regulatory compliance best practices and checklists - 27 pages - September 4, 2024 - Finance - Past webinar Your wealth, your way: How AI impacts asset management - Speakers: S-PRO, Finup AG, H Capital Ventures - 75 min Get access - Finance - Past webinar How AI is transforming financial services: Real-life examples and strategies - Speakers: S-PRO, Connect AI - 70 min Get access --- - Drop us a line: [hi@s-pro.io](mailto:hi@s-pro.io) - Contact us: [+41 41 539 15 83](tel:+41415391583) R&D centers Zurich, Switzerland (HQ) Löwenstrasse 45, 8001 Lodz, Poland Zachodnia 70, 90-403 Business representatives Salt Lake City, USA Kiln SLC, 26 S Rio Grande St, UT 84101 Amsterdam, Netherlands Gustav Mahlerplein 2, 1082 MD Link copied to clipboard Language - [EN](https://s-pro.io/fintech) - [DE](https://s-pro.io/de/finanz-software-entwicklung) - [FR](https://s-pro.io/fr/developpement-logiciels-fintech) Get in touch