Fintech Software Development Services
10Pearls offers financial software development services and AI-augmented fintech solutions built to PCI DSS, GLBA, and GDPR requirements, with security and compliance embedded in the architecture.
WHAT ARE FINTECH SOFTWARE DEVELOPMENT SERVICES?
Fintech software development services cover the design, development, integration, modernization, and support of custom digital solutions for banking, payments, lending, wealth management, and insurance.
At 10Pearls, we deliver AI-augmented fintech solutions with security and governance controls built into adaptable architectures, enabling them to evolve alongside shifting compliance requirements. Our fintech software development services combine two decades of financial technology experience with engineering capabilities needed to build
and modernize complex financial systems. With expertise across AI, data, cloud, and integration, our fintech developers build resilient solutions designed for compliance and audit-readiness and aligned with the operational requirements and business goals of BFSI clients.
You are in good company
Fintech delivery strength in numbers
100+
fintech software projects delivered successfully
20+
years of building software for fintech and other regulated industries
1400+
developers and other experts across four continents
4.9/5
Clutch rating - Reviews from financial and other regulated industry enterprises
Our fintech software development services
As an AI-native fintech software development company with over two decades of experience building financial software, we offer a strong blend of industry expertise, compliance knowledge, and technical capabilities.
Custom fintech software development
Turn your operational differentiators into custom fintech software built around your workflows, data infrastructure, and existing systems, creating a better fit for how your business and users actually operate.
- End-to-end development, from use-case definition through deployment and support
- Implement rule-based and AI-powered automation with human-in-the-loop controls when needed
- Workflow automation and orchestration across customer and internal processes
- Custom platforms, portals, dashboards, and operational applications
- Data validation, transaction processing, and operational tooling
Fintech software consulting
Optimize the development lifecycle and avoid wrong build decisions with consulting that includes architecture assessment, compliance mapping, feasibility analysis, and delivery sequencing.
- Comprehensive technology, architecture, data, and AI-readiness assessment
- Map regulatory and compliance requirements
- Technical feasibility analysis and solution design
- Proof-of-concept and prototype development
- Implementation roadmaps with prioritized scope, timelines, and investment requirements
Legacy modernization & migration
Modernize fintech systems that no longer meet your requirements without disrupting the transactions, data, and critical operations that still depend on them. Incremental modernization and migration help replace technical constraints while maintaining operational continuity.
- Legacy application assessment and modernization planning
- Incremental modernization with planned rollbacks and modular application rebuilds
- Cloud migration and cloud-native re-architecture
- Legacy codebase, framework, and technology stack modernization
- Data and application migration with continuity throughout transition
Fintech integration & API development
Connect fintech platforms with banks, payment processors, data providers, partner systems, and emerging financial rails through APIs and middleware built for reliable, real-time exchange of data and transactions.
- Payment processor, gateway, and card network integrations
- Open banking and banking-as-a-service integrations
- Custom API and middleware development
- Core banking, bureau, KYC, and third-party platform integrations
- Real-time and batch data integration across financial systems
Fintech AI & data engineering
Build AI capabilities into financial products and operations with the data infrastructure needed to support them, from predictive models and intelligent automation to generative AI and agentic systems. We help prepare, integrate, and operationalize the data and models behind production-ready AI.
- Custom model development, fine-tuning, deployment, and lifecycle management
- Predictive analytics, decision intelligence, personalization, and fraud use cases
- Generative AI, RAG, and agentic AI development and integration
- Data architecture, warehousing, ETL, and pipeline development
- Data aggregation, transformation, quality management, and monitoring
Fintech app development
Build web and mobile fintech applications around how people actually manage, move, and interact with their money. The intuitive user journeys reduce friction, and we make security and trust visible throughout the experience.
- User-centric web, mobile, and progressive web app design and end-to-end development
- Secure onboarding, authentication, account management, and transaction experiences
- UX/UI design, wireframing, and interactive prototyping
- Customer research, journey mapping, and experience strategy
- Iterative testing and optimization across the customer journey
RegTech, compliance & risk engineering
Develop RegTech and risk systems around the regulatory requirements, controls, and risk models your organization needs to manage. Automate monitoring, detection, reporting, and compliance workflows to identify risk continuously rather than through periodic review.
- KYC, AML, identity verification, and transaction monitoring systems
- Risk engines - rule-based, AI-powered, and hybrid
- Real-time risk monitoring along with fraud detection and behavioral analytics
- Automated compliance workflows, controls, and regulatory reporting
- Custom dashboards, alerts, audit trails, and risk management tools
Security engineering for financial systems
Build security and privacy controls into financial applications and infrastructure to protect sensitive data, transactions, and system access across the software lifecycle.
- Identity, authentication, and privileged access management
- Encryption, key management, and data protection
- Application, API, cloud, and infrastructure security
- Security testing, vulnerability assessment, and penetration testing
- Security monitoring, logging, threat detection, and SIEM implementation
Not sure what the right service is for your fintech needs?
A discovery call with our fintech experts can give you more clarity
about your software needs and service alignment.
Case studies
case study - fintech
Dynamic Payment Solution
10Pearls conducted an in-depth, user-centric redesign of the digital payment company’s small business strategy and user experience, addressing key pain points that hindered engagement and growth.
case study - fintech
Cloud-Based Core Banking Platform
Integrating AI and ML capabilities to streamline operations and deliver personalized experiences through a core banking platform.
case study - fintech
Customizable Core Banking System
10Pearls developed the foundational intellectual property for an innovative digital banking solution, which enables new account openings in under four minutes through streamlined, mobile-optimized front-end workflows
Custom fintech software development services by segment
As an end-to-end fintech solutions development company, 10Pearls builds almost all types of financial software, including the following.
Insurance software development
From digitally enhanced, unique insurance products to AI-augmented platforms, we offer several insurance-oriented development services to insurers and insurtechs, helping them succeed in underserved and saturated markets.
- Policy and claims management systems
- Underwriting and risk analysis software
- AI customer service and other agents
- Self-service insurance applications
- Compliance and reporting tools
Banking and mobile banking app development
Build intelligent and secure digital banking systems and mobile applications augmented with AI-native capabilities to personalize experiences, streamline workflows, and scale as you grow. The security and governance controls are built into the architecture.
- Integration with core banking systems
- Full-service web and mobile applications
- KYC, onboarding, and fraud detection
- Features designed and developed for Personal finance
- Banking CRM and customer portals
Lending software development
End-to-end lending platform and app development with AI credit scoring, real-time risk management, personalized interactions, and more, while remaining compliant and minimizing risk.
- AI credit risk management
- Mortgage origination, servicing, and collateral management
- Automated onboarding, KYC, and AI fraud detection
- Automated loan origination and underwriting
- Commercial and peer-to-peer lending, BNPL solutions
Payment gateway development and digital wallets
Build custom payment processing systems and integrate mainstream processors (Visa, Stripe, etc.), with tailored routing logic, settlement rules, and transaction processing engines. Offer safe and compliant digital wallets built for region-specific functionality, giving users more visibility and control over personal finances, along with crypto wallet capabilities.
- Custom payment processing system development
- Payment gateway, Card network, RTP, and direct banking integrations
- Logic for payment authorization and settlement
- Centralized, multi-currency, DeFi, and crypto capabilities
- Transaction information storage, gateway integration, and peer-to-peer payments
Trading platform development
Design low-latency, auditable, and user-friendly trading platforms and post-trade systems capable of handling a wide range of assets and compliant with a diverse range of asset- and region-specific regulatory requirements.
- Trade execution and order management platforms
- AI-based risk modeling and predictive analytics
- Post-trade settlement and reconciliation
- Broker connectivity and adherence to FIX protocol
- Real-time market data and order book depth
Wealth management software development
Build AI-augmented wealth management platforms capable of accurate forecasting, real-time risk assessment, and decision-support with explainable AI, blended seamlessly with your human expertise.
- Robo-advisory and hybrid-advisory platforms
- Compliant and transparent investment insights
- Asset and portfolio management software
- Investment application development
- Multi-asset platform development (crypto, commodities, etc.)
Digital assets and blockchain
Develop compliant and modular decentralized applications, complex multi-party smart contracts with AI contract intelligence, integrate Zero-Knowledge Proofs (ZKP), and build Layer 2 blockchains.
- Smart contract architecture and custom development
- DeFi and dApps development
- Web3 security and smart contract audit
- Token, NFT, marketplace, and exchange development
- Blockchain as a Service (BaaS)
Financial software development for corporate finance
Build custom accounting systems, applications inside existing accounting ecosystems, and AI-powered financial management software.
- General ledger and financial close automation
- Accounts payable, receivable, and expense management systems
- Treasury, cash flow forecasting, and FX management
- Integrations with existing ERP and accounting ecosystems
- Compliant billing, invoicing, and payments
Neobank app development
Design and launch an AI-augmented neobank application and platform that balances core banking features with financial products, service elements, or customer journeys unique to your target market and competitive strengths.
- Banking-as-a-service and sponsor bank integration
- Compliance, regulatory reporting and treasury tooling
- Core ledger and account infrastructure
- Card issuing and program management
- Fully digital onboarding, KYC, and identity verification
Are you aiming for something that doesn’t fit just one fintech category?
You are not alone. Many of our clients have fintech software goals that span
across multiple categories, and we help them achieve those goals.
We can help you as well!
Compliance, security, and accessibility standards we build to
We handle compliance at an architectural level, building and delivering fintech software to the following standards and requirements:
Payments and financial crime
- PCI DSS: Requirement 6 secure development; architecture that reduces cardholder data scope
- AML and KYC: identification, sanctions and PEP screening, transaction monitoring, aligned to FATF recommendations
- ISO 20022 and ISO 8583: payment messaging and card transaction standards
Data protection
- GDPR: Articles 28 and 32 processor obligations
- UK GDPR and DPA 2018: the same obligations under the UK regime
- Saudi PDPL: data residency and the cross-border transfer regime
- GLBA: Safeguards Rule service provider requirements under 16 CFR 314.4(f)
- CCPA and CPRA: consumer rights, disclosure and deletion handling
Resilience and security
- DORA: Article 30 requirements for ICT third-party service providers
- NYDFS Part 500: including Section 500.11 third-party service provider provisions
- MAS TRM: Technology Risk Management control expectations
- SOC 2: AICPA Trust Services Criteria for security, availability and confidentiality
- ISO 27001: information security management system controls (certified)
Reporting and market conduct
- SOX: ITGCs, change management and access controls supporting Section 404 testing
- FINRA: supervision and SEC Rule 17a-4 recordkeeping
- MiFID II: transaction reporting, order recordkeeping, best execution
- Basel III: RWA calculation, liquidity reporting, BCBS 239 risk data lineage
Accessibility and inclusive design
- WCAG 2.2 AA: success criteria for web and mobile interfaces
- ADA Title III: US accessibility obligations for consumer-facing services
- Section 508: US federal and public-sector procurement requirements
- European Accessibility Act and EN 301 549: EU requirements covering consumer banking services
Why choose 10Pearls for fintech development services
From BFSI organisations modernising critical systems to those building AI-native finaicial products, 10Pearls is a compelling choice for fintech software development services for a number of reasons:
Extensive fintech experience
Over two decades of fintech development experience has given us a thorough understanding of fintech operations, business models, challenges, and software needs.
Diverse technology expertise
Our expertise across diverse technology stacks, platforms, and AI/ML tools allows us to tailor our solutions perfectly to clients' needs and environments.
Compliance & security
From managing dependencies to compliant data handling, we ensure strict regulatory adherence, security, and build AI governance into the solutions from initial development stages.
Innovation-driven mindset
We help fintechs stand out by embracing innovation at every level – from services and product design to workflow optimization, supported by structured risk management.
User-focused development
We develop fintech software with end-user in mind, maximizing personalization, conversions, engagement, self-service, and satisfaction, while balancing trust with convinience.
End-to-end partnership
From ideation and wire-framing to ongoing support and modernization, we guide, assist, and offer services for every stage of the software lifecycle.
Agile execution
Our industry knowledge and agile development practices allow us to deliver rapidly and react swiftly to changing business and regulatory requirements.
What our clients say
Recognitions & partnerships
As a trusted engineering partner and a top fintech software development company, 10Pearls is recognized by some of the most prestigious global platforms and leaders. Our platform partnerships allow us to offer ecosystem expertise in-house, building solutions for the cloud environments they operate in.
Tools & technologies
Our approach to fintech software development
While every fintech custom software development engagement is different, most of our deliveries follow a flexible, seven-phase approach.
Assessment
We assess your fintech development goals, data architecture, technical dependencies, regulatory perimeter, and integration ecosystem to accurately scope out a project and provide you with realistic timelines and cost estimates.
Discovery & compliance mapping
From use case identification to compliance mapping, the discovery stage focuses on data residency, access control, retention, and audit trail design. This allows for relevant controls to be built into the right architectural points, instead of being retrofitted.
Design
We design the interface and experience that maps to the target user base, whether consumers or internal stakeholders. In parallel, there is technical design, including AI-augmented components. We adhere to a design system with a component library to ensure consistency.
Build
Our transparent approach to development ensures that your team has a clear view of what is built against the approved architecture, at what pace, the controls (including security and privacy) that are being embedded, and tests being run during the development process.
Quality assurance
In addition to continuous testing during development, we ensure rigorous functional, integration, performance, regression, security, and transaction accuracy testing of the systems. Additional explainability, bias, and model validation tests are conducted for AI systems integrated with the fintech solution.
Deployment
Fintech solutions are released to production using CI/CD pipelines developed during the build phase, with monitoring built-in before go-live. Operational disruption is minimized with established rollback paths and phased or parallel-run cutovers for migrations.
Support & evolution
Our comprehensive support does more than just ensure the solution keeps delivering against the established SLAs and KPIs. With regulatory change management, model fine-tuning, and drift monitoring, we ensure that the fintech systems evolve alongside the business, securely and compliantly.
Our engagement models
All three models are delivered by 10Pearls teams across our global delivery centers, with no subcontracting, so you have clarity on where your software is being built. We ensure time-zone alignment through custom scheduling and nearshore delivery centers, and allow fintech enterprises to mix and match models based on their evolving delivery needs.
Full project delivery
Best for: Well-scoped projects with clear development, integration, and AI requirements.
Ownership: 10Pearls is accountable for the mutually agreed deliverables.
Client involvement: Moderate. Includes strategic direction, reviews, feedback, and approvals.
Compliance & access: Development in 10Pearls environment under data handling controls that the client defines. Audit evidence is part of the deliverable.
Outcomes:
- Predictable cost and timeline
- Single accountable partner
- Structured oversight without management overhead
Dedicated team
Best for: Long-running projects where continuity and accumulated enterprise knowledge matter.
Ownership: Shared. Clients own strategic direction. Teams own assigned deliverables and quality.
Client involvement: High. Routine direction, task prioritization, and team management.
Compliance & access: Teams operate within your controls and access boundaries, and follow your policies.
Outcomes:
- Retain operational, systems, and regulatory knowledge
- Rapid and predictable capacity scaling
- Capability and skill-gap coverage
Team augmentation
Best for: Adding specific skills and capabilities to the in-house teams.
Ownership: Client-led. Our engineers work as part of the client’s team.
Client involvement: High. Task-level direction and responsible for leveraging individual capability.
Compliance & access: You retain full compliance controls as individuals serve within your security and governance perimeter.
Outcomes:
- Existing teams gain relevant expertise and experience
- Capacity can be scaled rapidly
- Faster onboarding than direct hiring
Not sure which engagement model is right for you?
Our consultants can help you decide.
Technologies we build with
Our fintech developers work across the platforms, tooling, and standards below.
Payment rails and messaging standards
- ISO 20022
- ISO 8583
- SWIFT (including MT to MX migration)
- FIX Protocol
- Nacha ACH
- FedNow
- RTP
- SEPA and SEPA Instant
- UK Faster Payments
Core banking and issuing platforms
- Thought Machine Vault
- Temenos
- Mambu
- Infosys Finacle
- FIS
- Fiserv
- Jack Henry
- nCino
- Marqeta
- Galileo
- Lithic
Payment and financial data APIs
- Stripe
- Adyen
- Checkout.com
- PayPal and Braintree
- Plaid
- TrueLayer
- Tink
- Modern Treasury
Identity, screening and financial crime
- Onfido
- Jumio
- Sumsub
- Persona
- Socure
- Alloy
- Middesk
- ComplyAdvantage
- Chainalysis
- Unit21
Cloud platforms and regulated-workload services
- AWS
- Azure
- Google Cloud
- Oracle Cloud
- Azure Private Link
- Azure Sentinel
- Azure Landing Zones
- Azure Key Vault and Managed HSM
- Azure Confidential Computing
- AWS Nitro Enclaves
- AWS KMS
- AWS CloudHSM
- AWS PrivateLink
- AWS Control Tower
- AWS Payment Cryptography
Data platform
- Snowflake
- Databricks
- Apache Kafka and Confluent
- Apache Spark
- Apache Flink
- dbt
- Airflow
- PostgreSQL
- Power BI
- Tableau
AI and machine learning
- Amazon Bedrock
- Azure OpenAI Service
- Vertex AI
- Anthropic API
- LangChain and LangGraph
- MLflow
- SageMaker
- Azure ML
- pgvector
- Pinecone
- PyTorch
- TensorFlow
Backend
- Java
- Spring Boot
- .NET
- Python
- Node.js
- Go
- Kotlin
Frontend and mobile
- TypeScript
- React
- Next.js
- Angular
- React Native
- Swift
- Kotlin
- Flutter
DevOps, observability and secrets management
- Kubernetes
- Docker
- Terraform
- GitLab CI/CD
- GitHub Actions
- Jenkins
- ArgoCD
- HashiCorp Vault
- Prometheus
- Grafana
- Datadog
- ELK
- OpenTelemetry
Blockchain and digital assets
- Ethereum
- Hyperledger Fabric
- Solidity
- Polygon
- Circle USDC
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FAQs
What is fintech software development?
Fintech software development is the process of creating, modernizing, and integrating software, platforms, or applications (web or mobile) for a fintech company. This spans from core banking, insurance, and lending software to trading and wealth management platforms, payment gateways, and neobanks. Fintech development is heavily influenced by regulatory requirements spanning security, privacy, and auditability, and the data infrastructure and governance controls are designed at the architectural stage.
What is a fintech software company?
The term fintech software company can be interpreted in two ways – a company that owns and operates fintech software that its customers (B2B or B2C) use or a software engineering company that builds fintech software. 10Pearls belongs to the second category and, as a finance software development company, offers the full range of development capabilities, compliance understanding, and AI expertise to develop almost any type of fintech software the clients require.
What are the top fintech software development companies?
The top fintech software development company for you will be based on your design, regulatory, integration, AI, and a range of other requirements. Other factors influencing the choice of the best development partner for you would include platform expertise, similar experience, and service breadth. Our top fintech software development companies guide can offer you more information in this regard.
How much does fintech software development cost?
The cost of fintech software development may vary from a few thousand to several million dollars based on a number of factors, including the scope of the project, security and compliance complexity, integration requirements, technical constraints, delivery timelines, and more. A single, well-defined application is near the low end of the cost spectrum, and a multiple-system platform with complex legacy integration requirements and significant discovery overhead may cost considerably more. At 10Pearls, we strive to offer a realistic cost band after the initial project scoping is complete to help you make informed decisions about committing.
How long does it take to build a fintech platform?
Fintech software development timelines can range from a few months to multiple years based on software complexity, compliance and testing requirements, and the engineering work needed apart from the build, including integration and data architecture revamp.
What compliance standards do you build to?
At 10Pearls, we build fintech solutions to a wide range of regulatory and compliance standards including PCI DSS, GLBA, GDPR, SOC 2 Trust Service Criteria, NYDFS Part 500, and DORA. As an ISO 27001 certified company with a governance-first approach to fintech development, we treat compliance as an architecture input, so it’s built in instead of bolted on.
Do you provide end-to-end fintech development services?
Yes. From discovery and assessment of existing architecture to compliant development, deployment, and support, we offer end-to-end fintech development services. We also offer services supporting fintech development, including integration, legacy modernization, governance-focused overhauls, migration, and data engineering. In addition to fintech development, we also offer full lifecycle support for AI in fintech solutions, whether they are AI-native builds or AI capabilities and governance controls built into fintech software, including model fine-tuning and drift monitoring.
What technologies do you use for fintech software development?
The technology selection depends on your compliance, scale, architecture, integration, and AI requirements. Some of the most common technologies we use for fintech development are: Java, .NET, and Python for backend, React and React Native for frontend, AWS, Azure, and GCP tooling based on your platform needs. We leverage a wide range of open protocols including ISO 20022 and FIX Protocol and proprietary core banking platforms, data platforms, financial APIs (including open banking), and AI/ML tools.
Fintech software developed your way and the right way.
At 10Pearls, we believe in meeting our clients where they are. Whether you are starting with an idea or seeking an engineering partner to take over a project midway, we can help.