8 Top Fintech Software Development Companies in 2023

First published on
March 7, 2022
Last updated on
September 18, 2023


List of the top financial software development companies

These are the top 8 fintech development services providers worldwide. There is no universally best choice, so the companies are sorted by the category that seems to be the most important from the client's perspective - the ability to quickly enter the project and impact its business growth.

  1. Brainhub 
  2. 10Clouds
  3. Miquido
  4. KindGeek
  5. Diceus
  6. S-Pro
  7. Netguru 
  8. Dataart

In the next section, you’ll find graphs comparing skills the companies have and ways they influence products and teams. This will allow you to make a conscious decision when choosing the best provider of product development services for your case.

Fintech software development companies - details


Range of services of Brainhub, a top fintech software development company

Brainhub is a software development agency that helps fintech businesses to accelerate their growth

The company is an expert in fintech web and mobile app development, having in their portfolio crypto-trading, expense management, and wealth management apps. They worked with startups, small and medium companies, and corporations.

The company has strong UX design skills. They’re experts in increasing customer engagement and improving ROI by delivering financial solutions that meet modern users’ needs. The company offers discovery workshops that can save up to 20% of development time and understands the business side of development projects.

They provide the highest level of cybersecurity and have a set of preventive processes in place.

EXPERTS IN: crypto-trading, managing personal budget, tax management, wealth management, customer and user experience

RANGE OF SERVICES: fintech mobile app development, fintech web app development, cryptocurrency apps, expense management software development, payment solutions, investment software development, fintech UX/UI design, legacy system modernization

TOP FINTECH CLIENTS: Gokong, Coin Panel, a few other big clients under NDA

THEY WORKED WITH: startups, medium-sized companies, corporations

TECHNOLOGIES: .NET, JavaScript, TypeScript, Node.js, React.js, React Native, NestJS, Golang, Electron.js, GraphQL, Kubernetes, AWS, Azure, GCP

TALENTS ON BOARD: software engineers, QA engineers, UX/UI designers, business analysts, tech advisors, scrum masters, agile coaches, solution architects, DevOps engineers, delivery managers

REVIEWS: 4.9 stars on Clutch from 40 reviews

SKILLS: DevOps, workshops, hybrid mobile app development, iOS app development, Android app development, PWAs, UX design, UI design, UX audit, UX workshops, architecture development, MVP, prototyping, product scaling, CI/CD, automated tests, BDD, TDD, information architecture, visual design, backend engineering, API development, serverless architecture, testing, Artificial Intelligence

WHAT CLIENTS APPRECIATE: technical knowledge, quality of the code, proactive attitude, project management abilities, transparency, engagement, dedication, curiosity, being a part of a client’s team

METHODOLOGY: Agile methodology



PRICE RANGE: $50 - $99 / hr

CULTURE & VALUES: The team believes in ownership and building strong relationships with clients and between team members. They support proactive behavior. Consistent growth, sharing knowledge, and close cooperation are very important to the team. After hours, they’re a bunch of friends who love to hang out together.

<span class="colorbox1" fs-test-element="box1"><p>By the way, that’s us. </p><p>Take a quick look at the fintech projects we delivered lately.</p></span>

<h3 id="10clouds"> 10Clouds </h3>

10Clouds - Range of services


The company specializes in fintech and blockchain software development and consultancy. They strongly focus on providing user-friendly and cutting-edge fintech and banking solutions.

10Clouds joined forces with Trust Stamp, a leader in global identity verification, and developed solutions that meet the most rigorous security standards. They can be used while cooperating with enterprises and fintech companies to speed up the process. These are solutions like proof of liveliness, ID verification or identity lake.

10Clouds fintech team extends their partners’ blockchain and mobile development teams, supports teams while building platforms for secure data sharing, and helps fintech companies move to the cloud.

EXPERTS IN: banking systems, accounts integration, fintech mobile apps, enterprise financial software, wallet applications, secure data sharing

RANGE OF SERVICES: financial mobile app development, financial web app development, banking systems, enterprise financial software development, consulting

TOP FINTECH CLIENTS: Mambu, Tink, G-Coin, Lite ID, Crescent, Omise, Coinquista

THEY WORKED WITH: startups, medium-sized companies, enterprises

TECHNOLOGIES: React.js, Angular, React Native, Node.js, Vue.js, Swift, Flutter, Kotlin, Python, Elixir, Java

TALENTS ON BOARD: software engineers, QA engineers, DevOps engineers, blockchain developers, Cloud engineers, software architects, product designers, UX designers, delivery managers, agile project managers

REVIEWS: 4.9 stars on Clutch from 58 reviews

SKILLS: Artificial Intelligence, blockchain, cloud, DevOps, identity verification, machine learning, data sharing, customer experience, web development, mobile development, web design, product design, UX design, illustration, MLOps

WHAT CLIENTS APPRECIATE: transparency, cost-consciousness, engagement, flexibility, dedication, effective workflow and project management, code quality, professionalism

METHODOLOGY: Agile methodology


LOCATION: Poland (Warsaw, Poznan, Wroclaw)


PRICE RANGE: $50 - $99 / hr

CULTURE & VALUES: The team believes in mutual, constructive feedback as a part of showing appreciation. They also strive to recognize and celebrate achievements, as it increases happiness and engagement of the team. Care and appreciation are one of the main company values that keep the team united.

<h3 id="miquido"> Miquido </h3>

Miquido - Range of services


Miquido provides end-to-end fintech software development services - from strategy and market research, through design, to development and support. This process allows the company to spot the needs of a business and provide a user-center product.

Miquido implements Machine Learning features and Data Science solutions to financial and banking products they create. Expertise in Artificial Intelligence allows them to implement chatbots or voice assistants into insurtech products. The company cares about both security and performance of the fintech apps they deliver.

They are experienced in building various financial products: trading platforms, investment applications, banking apps, and digital wallets. Their fintech applications for Nextbank have been recognized by Singapore Fintech Festival 3 years in a row.

EXPERTS IN: in-app bank account management, Customer relationship management app for insurance agents, financial mobile platforms, web and mobile trading platforms, investment applications, stock exchange apps, advanced savings calculators

RANGE OF SERVICES: banking app development, digital wallets, mobile banking apps, insurance app development, financial app development, financial mobile platform development

TOP FINTECH CLIENTS: BNP Paribas (GOmobile project), Aviva, NextBank, PZU, Monetas

THEY WORKED WITH: small and medium-sized companies, corporations

TECHNOLOGIES: JavaScript, Angular, React, Node.js, Golang, Java, Flutter, Swift, Kotlin, TypeScript, Kubernetes

TALENTS ON BOARD: software developers, frontend developers, backend developers, tech leaders, software testers, visual designers, product designers, UX/UI designers, project managers

REVIEWS: 4.9 stars on Clutch from 37 reviews

SKILLS: Cloud Core Banking, Web Internet Banking, Mobile Internet Banking, Agency Banking, AI Credit Scoring, Artificial Intelligence, Machine Learning, Data Science, Computer Vision, AWS, Google Cloud Platform, cloud app development, cloud deployment, UX design, UI design, Business Intelligence, product strategy, workshop, NLP, market research, prototyping, PoC

WHAT CLIENTS APPRECIATE: reliability, flexibility, consistency, quick turnaround time, ability to onboard rapidly, versatile range of skills and capabilities, transparency, communication skills, commitment, work ethic.

METHODOLOGY: Agile methodology


LOCATION: Poland (Cracow)


PRICE RANGE: $50 - $99 / hr

CULTURE & VALUES: The team treasures transparency and honesty - also in terms of advising better solutions for their clients. Delivering business value is crucial for the company. They put people first, caring about their personal growth, competence development, and overall satisfaction.

<h3 id="kind_geek"> KindGeek </h3>

Kind Geek - Range of services


KindGeek is a full-cycle software development company. They have a strong business mindset, and transparency and trust are one of their main values.

KindGeek offers a full spectrum of financial software development services - from ideation to deployment. The company also provides business analysis and cybersecurity services. The company claims that over 80% of its projects lay in the finance industry. 

The team believes in a product-oriented approach, so they recommend including a discovery phase into product development which saves up to 20% of development time. In their process of building digital banking software they always use design thinking, which allows them to build customer-centric products with great user experience.

EXPERTS IN: finance management platforms, blockchain platforms, insurance software, mobile payments, payment solutions

RANGE OF SERVICES: digital banking solutions, e-banking systems, mobile banking, cybersecurity services, blockchain platform development, fintech mobile apps, fintech web apps, insurance software development, payment solutions

TOP FINTECH CLIENTS: HyperJar, Tradeshift, LifeWallet

THEY WORKED WITH: startups, medium-sized enterprises, corporations

TECHNOLOGIES: JavaScript, Angular, React.js, Vue.js, Node.js, Java, .NET, PHP, MySQL, PostgreSQL, MongoDB, Oracle, Flutter, Firebase, Swift, Kotlin, Objective C

TALENTS ON BOARD: software engineers, QA engineers, DevOps engineers, UX/UI designers, business analysts, project managers

REVIEWS: 4.8 stars on Clutch from 36 reviews

SKILLS: Data Science, Cloud technologies, blockchain, business analysis, Artificial Intelligence, Machine Learning, Data Science, Cloud, UX design, UI design, chatbots, digital banking solutions, mobile-only banks, 

WHAT CLIENTS APPRECIATE: communication skills, tech skills, project management skills, flexibility, collaborative and effective approach, attentiveness to client’s needs, responsiveness to feedback, reliability, delivering on time.

METHODOLOGY: Agile methodology


LOCATION: Poland (Cracow)


PRICE RANGE: $50 - $99 / hr

CULTURE & VALUES: Trust is the team’s highest value. According to the team, there’s no growth without honest feedback. They also appreciate the sense of beauty, striving to create products that are visually appealing. They treasure team spirit and the quality of delivered work.

<h3 id="diceus"> Diceus </h3>

Diceus - Range of services


Diceus is a software development company that strongly focuses on fintech, banking, and insurance software development. They use artificial intelligence, blockchain, big data, and cloud solutions to boost the financial software they create.

They provide services like payment solutions, blockchain solutions for banking, building online banking systems, and mobile banking solutions.

The company ensures professional technical advisory and support. They provide clients with NDAs at the initiation stage and have strong data security and protection procedures. They understand that a seamless user experience is crucial to increasing customer loyalty.

EXPERTS IN: banking legacy application modernization, online payments, payment processing, payroll processing, B2B insurance services, VAT processing applications, insurance broker software solutions, data warehouse, data aggregation, data migration

RANGE OF SERVICES: lending management software, blockchain solutions, regtech, payments software solutions, blockchain fintech app development, loan management software, money transfer app development, fintech application development, mobile banking apps, IT consulting, system integration, insurance software development, online banking, core banking systems, mobile banking

TOP FINTECH CLIENTS: Risk Point, Bank al Etihad, Teambase, BriteCore

THEY WORKED WITH: small and medium-sized companies, corporations

TECHNOLOGIES: React.js, Node.js, Vue.js, Angular.js, Golang, Flutter, Java, .NET, Python, PHP, Ruby, Objective.C

TALENTS ON BOARD: frontend developers, backend developers, designers, architects, QA and test engineers, business analysts, project managers

REVIEWS: 4.8 stars on Clutch from 40 reviews

SKILLS: DevOps, Artificial Intelligence, Machine Learning, blockchain, big data, cloud solutions, data science, cross-platform apps, payment gateway development, payment integration services, contactless payments and POS, real-time payments, Digital Ledger Technology, smart contracts, banking loan software solutions, fintech money lending software, loan module in core banking, loan decisioning software, money transfer functionalities, CRM, mobile banking apps, payment applications, IoT, ERP, Robotic Process Automation, system integration, software architecture

WHAT CLIENTS APPRECIATE: responsiveness, professionalism, and organizational skills, result-oriented approach, effective communication, expertise, timely reporting, commitment and dedication

METHODOLOGY: Agile methodology


LOCATION: Ukraine (Kyiv), Denmark (Hellerup), Lithuania (Alytus), USA (New York City)


PRICE RANGE: $50 - $99 / hr

CULTURE & VALUES: The company’s mission is to deliver high quality. They want to bring as many values as possible with the right technology and people. They combine expertise with a quality-driven delivery model.

<h3 id="spro"> S-Pro </h3>

S-Pro - Range of services


S-Pro provides software engineering and consulting services for banks, financial companies, and startups. They offer dedicated teams with fintech specialization, delivering strong domain expertise for their clients. The company focuses on accelerating its partners’ growth.

S-Pro has expertise in digital banking, lending software, crypto wallets, exchange platforms, insurtech, and stock trading platforms. 

They are also experts in blockchain technology, providing white-label and custom blockchain solutions. The team has experience in software architecture, banking API, and payment solutions integration.

EXPERTS IN: fintech mobile apps, fintech web apps, real-time risk management platforms, crypto-wallets, crypto-trading platforms, banking API and payment solutions integration, B2B payment solutions

RANGE OF SERVICES: digital banking software development, loan management tools development, e-commerce payment systems development, crypto-exchange platform development, NFT marketplaces, crypto wallets and extensions, insurtech, blockchain development, stock trading platforms development 

TOP FINTECH CLIENTS: MeterQubes, Crypto Wallet, Refundmatic

THEY WORKED WITH: enterprises, startups

TECHNOLOGIES: React.js, Angular.js, Node.js, Python, Java, Golang, PHP, Laravel, Firebase, React Native, Flutter, Swift, Kotlin

TALENTS ON BOARD: software engineers, frontend developers, backend developers, tech leaders, QA engineers, UX/UI designers, DevOps engineers, project managers, business analysts

REVIEWS: 4.9 stars on Clutch from 32 reviews

SKILLS: blockchain, API development, Big Data, cloud, DevOps, branding, cloud engineering, Artificial Intelligence, Machine Learning, UX design, UI design, architecture, PoC, infrastructure engineering, MVP, product migration strategy, quality assurance, banking infrastructure, neo banks, loan management software, loan comparison tools, mobile lending apps, P2P lending marketplace, BNPL & EPP, e-voting systems, DeFi & CBDC solutions, fraud prevention/detection, marketplaces, trading bots

WHAT CLIENTS APPRECIATE: outstanding ability to deliver, professional yet friendly communication, responsiveness, being a reliable partner, energetic approach, excellent project management, engagement, flexibility

METHODOLOGY: Agile methodology


LOCATION: Ukraine (Kyiv)


PRICE RANGE: $50 - $99 / hr

CULTURE & VALUES: The team strongly focuses on continuous improvement and thirst for knowledge. They pride themselves on having a product mindset. They treasure high-quality and innovative approach.

<h3 id="netguru"> Netguru </h3>

Range of services of Netguru, which is in this ranking of top fintech software development companies


Netguru is a global software agency with almost 15 years of experience and over 700 employees on board. The company helps fintech businesses create personalized, customer-centric products that respond to modern clients’ requirements.

Netguru helps banks in reviewing their digital journey and refining the user experience of their apps and websites. They deliver banking platforms and fintech mobile apps. 

The company provides both consulting and fintech software development services. They use blockchain to secure online payments. They also help fintech companies to discover new business model ideas

EXPERTS IN: banking platforms, supporting fintech startups, investment platforms, digital wealth solutions, banking-as-a-service, helping financial advice sector

RANGE OF SERVICES: financial product development, omnichannel banking experience, improving customer support, enhancing security, mobile banking apps, digital banking tools development, financial process automation, online payments audit, customer loyalty program development, insurance cloud services, banking as a platform, new business model discovery, insurance products and services, digital wealth solutions, digital banking tools development

TOP FINTECH CLIENTS: Solarisbank, Moonfare, AdviceTech, CashCape

THEY WORKED WITH: enterprises, startups, medium-sized companies

TECHNOLOGIES: Ruby on Rails, React.js, Node.js, Python, Django, React Native, Flutter

TALENTS ON BOARD: software engineers, software architects, DevOps engineers, data engineers, UX designers, UI designers, product designers, QA engineers, project managers

REVIEWS: 4.8 stars on Clutch from 40 reviews

SKILLS: blockchain, Machine Learning, AI, digital transformation, business intelligence, cybersecurity, cloud-based software, customer experience, chatbots, NLP, digital workflows, biometric verification, UX design, workflow automation, CRM

WHAT CLIENTS APPRECIATE: flexibility, commitment, engagement, openness to learn, quality, generating innovative suggestions, overcoming time zone challenges, strong relationships with clients’ team members

METHODOLOGY: Agile methodology


LOCATION:  Poland (Poznań)


PRICE RANGE: $50 - $99 / hr

CULTURE & VALUES: The team never settles for "good enough" and aims to exceed the client's expectations. One of their biggest values is ownership. They believe in the power of questioning the status quo. They love experiments and learning from both successes and failures. They value partnership and continuous growth.

<h3 id="data_art"> DataArt </h3>

DataArt - Range of services


DataArt is a global software engineering firm with over 20 years of experience. Among their clients, there are banks, insurance companies, and inter-dealer brokers. They provide fintech product development and consulting. 

They are experts in digital transformation and legacy modernization, helping financial institutions respond to changing customer patterns. They are highly skilled in the area of cybersecurity and machine learning.

Since the team is enormously big and spread across the whole globe, they have teams and offices in various continents and time zones. This also entails the fact that their skills are very broad.

EXPERTS IN: digital transformation and modernizing legacy solutions, modernizing the whole back-office platforms, POS systems, trading systems, digital banking platforms

RANGE OF SERVICES: digital transformation and system modernization, legacy re-engineering, data management and analytics, insurance software development services, cyber security services

TOP FINTECH CLIENTS: Monex Europe, Nasdaq, Bematech

THEY WORKED WITH: enterprises, medium-sized companies

TECHNOLOGIES: .NET, Angular.js, React.js, Node.js, Ruby on Rails, Oracle, Spring MVC

TALENTS ON BOARD: software engineers, solution architects, Cloud engineers, Data engineers, DevOps engineers, QA engineers, business analysts, product owners, project managers, scrum masters, delivery managers,  UX/UI designers, product designers

REVIEWS: 5.0 stars on Clutch from 12 reviews

SKILLS: Big Data, business intelligence, AR/VR, business analysis, usability, cloud security audit, secure code review, penetration testing, security assurance and consulting, cloud computing, cloud-native development, cloud migration, customer experience, user experience, Artificial Intelligence, Machine Learning, cloud adoption, big data adoption, asset management consulting, online payment systems, risk management systems, accounting systems, treasury management and payment systems, fintech product development, on-demand IT, technology consulting, managed support, solution design, blockchain, IoT, BI, product design, cybersecurity assurance

WHAT CLIENTS APPRECIATE: grasping business needs quickly, professionalism, ability to deliver, strong work ethic, strong communication skills, understanding how business works

METHODOLOGY: Agile methodology


LOCATION: USA (New York, Dallas, Orlando, Pittsfield), UK (London), Poland (Cracow, Lublin, Wroclaw), Germany (Munich), Switzerland (Zug), Argentina (Buenos Aires)


PRICE RANGE: $50 - $99 / hr

CULTURE & VALUES: They call themselves engineers with open hearts, driven by the people-first principle. They integrate human values into their business and work relations: curiosity, empathy, trust, honesty, and intuition. The team strives to integrate those values with engineering excellence. They treasure flexibility and variety, cherish empowerment and education over bureaucracy, and highly value trust.

Comparison: team technicalities

In the first set of graphs, we compare basic facts about the companies. Pay attention to them, especially if you need to hire a big team of developers.

Years of experience

A graph comparing how long top fintech software development companies are present on the market.

Hiring an inexperienced team for fintech app development wouldn’t be the best decision, so all companies presented in this ranking have proven fintech-related experience.

Companies with longer market experience can be more mature in terms of processes, and have a bigger scope of various skills useful for software development. 

Younger companies often have a fresh look at things, are not opinionated, and can speed up some procedures for you.

Team size

A graph comparing team sizes of the best financial software development companies.

If you need a team of 40+ developers, look for big companies. But remember, that the fact there are many developers on board doesn’t mean they can start the cooperation quickly. Big companies often require a lot of formalities before the project can launch. It slows down the process and creates a risk of favoring more profitable clients.

Smaller companies want to prove their skills and expertise, many formalities can be skipped, they also build teams in a more personalized way. But you won't be able to skip your high demand.

Plus, it all depends on the company's culture.

Comparison: adding value to your product and team

In this section, we compare how quickly the companies can make an actual influence on your product, and what are their procedures towards achieving the best business results.

Business-success approach - ability to meet business goals

A graph comparing business knowledge of top fintech development companies.

A vendor who understands business, not only technology, will make smarter decisions, prioritize more accurately, and finally deliver a better product. 

Business-success approach manifests by including business analysts in the project from the very beginning or providing support of tech advisors for development teams.

A sign that a software development company will deliver your product according to business needs also manifests in the way they work - when boundaries between business and development are smashed, and they exchange knowledge openly. A smooth flow of know-how between the vendor and your in-house team lays a solid foundation for a successful partnership

Another good sign is when they challenge your vision and propose better solutions from a business point of view.

Time to impact - the speed of making a difference

A graph comparing how fast various top fintech companies can make an impact in a project.

Time to impact means how quickly a company can make an actual influence on your product. It depends on how a vendor manages resources, how many formalities they need before they can start, and how much time is needed for onboarding.

The ability to make an impact quickly isn't correlated with the number of developers on board.

Time to impact is also influenced by the way a company organizes projects and by additional products they offer - like workshops. Plus, the presence of tech advisors and tech leaders in a team speeds up the time to first contribution.

Comparison - approach to cooperation

Approach to cooperation strongly connects with a company’s culture. To assess it, we’ve analyzed each company’s testimonials and reviews, as well as how vendors write about themselves.

In this section, start with asking yourself how you want your cooperation to look? Do you want an external team to work closely with yours? Are you open to learning something new from a vendor’s team and, for example, making positive changes in your processes?

Consultancy attitude - the willingness to share knowledge

A graph presenting how various fintech development companies are open to sharing knowledge with clients’ teams.

A team with a strong consultancy attitude will be not only willing to share knowledge with you. They will do it spontaneously throughout the process, and they will propose certain improvements and specific skills your team could learn.

And after the cooperation ends, your team should be skilled enough to be able to continue without the vendor’s help. 

DevOps culture - a flow of information between team members and teams

A graph comparing how top fintech software development companies adapt DevOps culture.

Working in compliance with DevOps culture means, in short, cooperating closely without knowledge hubs. Tons of documentation prolong the development process and make it harder to deliver business results. Close collaboration means understanding, transparency, and higher quality. Frequent and high-quality releases increase the satisfaction of developers – and, subsequently, users of the product.  

Companies that work in line with DevOps culture and are willing to share that knowledge are pure gold - you can improve your processes significantly with those players.

Ownership - willingness to take responsibility and own the mistakes

A graph comparing which financial software development companies have the strongest ownership culture.

You shouldn't need to babysit an external team of developers. And a strong ownership attitude of a team prevents that.

A responsible team isn’t afraid to make mistakes, because they know how to fix them. They accept challenges and responsibilities. The owneship attitude entails more transparency and better communication. 

Partnership - willingness and capability to sink into your team

A graph comparing how top financial software development service providers form partnerships.

A close partnership between your team and a vendor’s team will facilitate communication, improve transparency and make it easier to achieve joint business goals. It also increases productivity

A true partnership means sinking into your team when traditional outsourcing is the opposite.

A word about security

Fintech companies need to deal with compliance regulations, financial apps need to be extra secure, and as a client, you need to remember about the security of your business. Here are a few tips on how to deal with that, and examples of how companies from this ranking are dealing with those issues.

Cybersecurity of apps

Fintech companies need to pay extra attention to securing their systems against penetration, malware, and data leaks. 

Data encryption (encoding information into a code that requires special keys to be able to decipher it) and tokenization (replacing sensitive data with a generated number) are basic measures for that.  Strong password policy and precise authentication technologies also.

But cybersecurity is an ongoing process. DevSecOps helps to integrate it to the fintech software development life cycle. It imposes testing throughout the whole development process and running penetration tests.

Fintech software developers need to be experts in data encryption, ensuring secure application logic, and penetration testing.

Compliance with local regulations

There’s a variety of federal and local laws that regulate how fintech businesses collect and use personal data. These are, for example, the Gramm-Leach-Bliley Act or the Federal Trade Commission Act in the US, and GDPR in Europe.

Brainhub ensures GDPR compliance for every project. Diceus offers consulting for banks when they help to resolve compliance issues quickly and provide RPA integration to help banks improve their compliance with regulations and risk management. S-Pro offers consultations to help fintech companies understand the restrictions and conditions in the financial industry.

Security of your business

IP rights

Intellectual Property over the technology and code should be transferred to your company. It needs to be stated in a contract. Always check the contract and make sure IP rights are transferred to you.


NDA is a basic measure of protecting your intellectual property. A non-disclosure agreement is signed to establish confidentiality. It creates a legal framework for protection ideas and information.

There are also other measures of protecting IP rights, like non-compete agreements, non-binding letters of intent, or regulations around data access, server access, and API access. 

Financial software development companies - areas of expertise

Types of fintech software development services

Custom fintech software - custom software development for the fintech industry includes solutions for banking, insurance, lending, billing, investing, or wealth management. Various solutions for web and mobile platforms improve user engagement and real-time data interaction.

<span class="colorbox1" fs-test-element="box1">Providers: 10Clouds, Brainhub, Dataart, Diceus, KindGeek, Miquido, Netguru, S-Pro</span>

Digital banking - secure and consumer-friendly banking applications improve customer experience, customer service, and make operation smoother.

<span class="colorbox1" fs-test-element="box1">Providers: 10Clouds, DataArt, Diceus, KindGeek, Netguru, Miquido, S-Pro</span>

Expense management software - smart applications for personal finances help users manage their savings and investments, and plan their budgets. 

<span class="colorbox1" fs-test-element="box1">Providers: Brainhub, Netguru, S-Pro</span>

Fintech UX/UI design - user experience cannot be underestimated in fintech software. Users expect fintech applications to be pleasant to use, accessible, to solve their problems, and make it easier to reach their goals. Thoughtful UX design drives excellent customer experience.

<span class="colorbox1" fs-test-element="box1">Providers: Brainhub, Netguru</span>

Fintech mobile apps - various products from innovations for startups to financial management apps and digital banking solutions.

<span class="colorbox1" fs-test-element="box1"> Providers: 10Clouds, Brainhub, Diceus, KindGeek, Miquido, S-Pro</span>

Insurtech software - digital products developed to increase the efficiency of insurance companies. Insurtech solutions are used by insurance agencies or brokers to improve their operations, increase customer engagement, and improve billing efficiency.

<span class="colorbox1" fs-test-element="box1">Providers: DataArt, Diceus, KindGeek, Miquido, S-Pro</span>

Lending software - applications facilitate fast loan approval and online verification. The loan decision process can be automated and user-friendly. 

<span class="colorbox1" fs-test-element="box1">Providers: Diceus, Miquido, S-Pro</span>

Mobile banking software - mobile applications allow customers to access their banking accounts on their mobile phones. Users can, for example, make real-time payments, pay bills, or monitor their accounts. ​

<span class="colorbox1" fs-test-element="box1">Providers: 10Clouds, DataArt, Diceus, KindGeek, Netguru, Miquido, S-Pro</span>

Online banking software - online banking allows customers to manage their accounts online, without the need to visit banks. Online banking evolved over recent years, introducing solutions like voice assistants, and seriously improving security.

<span class="colorbox1" fs-test-element="box1">Providers: 10Clouds, DataArt, Diceus, KindGeek, Netguru, Miquido, S-Pro</span>

Payment solutions - applying payment solutions to apps includes developing custom payment gateways or configuring ready-made ones.

<span class="colorbox1" fs-test-element="box1">Providers: Diceus, KindGeek, Netguru</span>

Payment systems and payment processing software - systems help to improve the security and transparency of payments. Solutions allow receiving and sending payments automatically.

<span class="colorbox1" fs-test-element="box1">Providers: Diceus, KindGeek, Netguru</span>

Robotic Process Automation - RPA bots take over the financial processes to enhance the productivity of employees.

<span class="colorbox1" fs-test-element="box1">Providers: Diceus</span>

Wealthtech software - digital solutions that transform the investment and asset management industry. Robo advisors, micro-investments, and digital brokers are often used here.

<span class="colorbox1" fs-test-element="box1">Providers: Brainhub, Netguru</span>

How to choose the best fintech software development company [checklist]

  • Establish your needs: do you search for any specific skills? What do you expect from a future partner in terms of collaboration?
  • Check out their expertise in the fintech domain - do they have knowledge in areas similar to your project?
  • Go through their experience and portfolio looking for fintech projects.
  • Check their tech skills, having your needs in mind (tech stack, particular technologies, or skills).
  • Is the team able to answer your demands in terms of the number of developers?
  • Check how they organize and manage projects - are there specialists on board (scrum masters, project managers, delivery managers)?
  • Check out how they compose teams - maybe you can expect a tech advisor or business analyst to enrich the team.
  • Check their approach to testing - are tests an integral part of the software development life cycle?
  • How quickly can they form a team and make an actual impact? Will formalities take months? Maybe they can offer you something for now, like workshops?
  • Are they attentive to cybersecurity and have prevention processes?
  • Do they challenge your vision or just nod their heads? Do they ask questions? Do they have good ideas to improve your product?
  • Are they willing to share knowledge with your team?
  • What’s their culture? Do they form close partnerships with clients and aren’t afraid to take responsibility?
  • You should own the source code.
  • They should be willing to sign an NDA if you need one.

<span class="colorbox1" fs-test-element="box1"><p>Here’s an easy first step to help you start looking on the spot:</p><p>Five big fintech projects delivered in 2021. Strong preventive processes in place. The team who cares. Don’t look further. Let’s chat right away.</p></span>

FAQ - Dispelling doubts about financial software development

What is fintech software?

The term fintech is short for Financial Technology. It includes applications and software built for various financial institutions and companies. It helps to better manage the operations and processes of companies, and improve customer experience, responding to the demands of a modern user. Among fintech software, we have online banking, mobile banking, online lending, personal finance management apps, or crypto wallets. The goals of fintech are to make financial operations more secure, efficient, accessible, and pleasant for the users.

What technologies are used in fintech development?

Fintech apps can be developed using various technologies, like JavaScript, Python, Java, PHP. The choice of languages and frameworks should be adjusted to a particular project’s needs, and in the case of fintech apps, a development team needs to put much effort into security and performance. Besides that, to add an extra layer of security or innovation into fintech apps, developers use artificial intelligence, blockchain, big data, or robotic process automation.

What is the future of fintech?

The future of fintech will most likely be tied with blockchain technology since it improves the security level of apps and platforms. Cryptocurrencies, Robo advisors, neobanks - they attract the interest of investors and, as McKinsey report says, along with IoT, cloud computing, no-code, SaaS, and AI will continue to shape the future of fintech in the next 10 years.

What does a fintech software developer do?

A financial software developer focuses on building various software solutions for financial institutions like banks or insurance companies, fintech companies and startups, as well as financial solutions for corporations. A fintech software developer should communicate well with the design team because customer experience is extremely important in the case of innovative fintech products. A good fintech engineer should also understand the business side of projects well, have strong cybersecurity-related skills, and know how to improve the performance of an app.

What is the number 1 fintech company?

In 2021, Stripe was the number 1 fintech company from the USA, with a $95 billion valuation. Klarna, a “buy now, pay later” trailblazer was the second, and Kraken, the largest cryptocurrency exchange by transaction volume in Europe, the third. Among the top fintech companies are also Visa (US), Mastercard (US), and Ant Financial (China).

Which fintech company is fastest growing?

According to the FinTech magazine, in 2022 we should watch BlockFi, a US-based company that specializes in crypto-asset lending. The company secured $850 of new funding last year. Sifted.eu, a Financial Times-backed startup that explores the European startup market, mentions Juni, a Swedish neobank built for e-commerce merchants.

How this toplist was created?

To select top financial software development companies worldwide, we’ve analyzed their websites, pages on ranking portals, reviews, testimonials, and content they produce.

Companies listed here:

  • Have proven experience in at least one type of fintech software.
  • Gathered at least 20 positive client reviews (on Clutch and other sources) and testimonials.
  • Proven their serious approach to cybersecurity (in previous projects and/or by sharing knowledge).
  • Proven their expertise in fintech (they have fintech experts on board, share knowledge, provide consulting).
  • Have skills needed to deliver various fintech solutions.

In the first part of the article, you’ll find graphs where we compare various qualities of the companies. In the second - details about each vendor, along with their area of expertise, skills, and top fintech clients. We also provide you with a few tips about cybersecurity and useful sets of skills. 

Next steps

You can proceed with your research by going through other rankings or contacting companies that caught your attention right away. 

Remember to check the details about their portfolio and talk to previous fintech clients. Pay attention to cultural fit and the natural flow between you and a vendor.

After choosing a partner, make sure you will be the owner of the source code and establish clear rules of collaboration.

Good luck!

<span class="colorbox1" fs-test-element="box1"><p>Look no further!</p><p>Chat about your fintech project with our advisors. Let’s find out if we’re a match, no strings attached.</p></span>

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