FinTech software development for payments, lending and digital banking
FinTech software development for payment, lending and banking products, built to PCI DSS, KYC and AML requirements, with fraud scoring and bank integrations that cut manual review.
clients across 45+ countries
building software since 2012
projects shipped since 2012
AI systems running in production
on Clutch, from 33 verified reviews
9001:2015 certified delivery process
Clutch 4.8/533 verified client reviews
ISO 9001:2015Certified delivery process
PCI DSSWe build card flows to it
GDPRCustomer data under EU rules
Financial services teams and global brands we have worked with
What FinTech software development covers
Banking, payments, lending, wealth, insurance and digital assets, all handling money and identity data.
- What is FinTech software development?
- FinTech software development is the design and engineering of secure financial software for banking, payments, lending, wealth management, insurance and digital finance. It pairs web, mobile, API and cloud architecture with financial-grade security, compliance work such as KYC, AML and PCI DSS, banking and payment integrations, and AI for fraud detection and credit scoring.
Four problems financial software has to solve first
Fraud review is still manual
Static rules and analyst queues miss new patterns and slow good customers down. We add ML scoring on transactions, devices and behavior, with analysts kept in the loop.
Onboarding breaks at KYC
Identity checks spread across vendors and spreadsheets cause drop-off and audit gaps. We automate verification, screening and risk-based checks in one flow.
Compliance arrives at the end
Retrofitting audit logs, encryption and access control costs months. We design them into the architecture before the first sprint.
The core system will not move
Legacy banking platforms cannot take new products safely. We modernize through APIs and a staged cloud migration while the core system keeps running.
FinTech software we build
From a payments MVP to a lending platform that runs your whole book.
Digital payments
Secure transactions across banks and payment platforms, with fraud checks, tokenization and UPI and wallet integrations.
Online banking
We build transfers, bill payments, deposits and account opening for web and mobile, wired to payment gateways, KYC and AML checks, and credit bureaus.
See mobile app developmentLending software
We build personal, business, mortgage, auto and BNPL lending platforms for banks, NBFCs and credit unions, with KYC and e-signature built in.
See custom software developmentInvestment and wealth
We build portfolio management, robo-advisory and trading platforms for wealth managers, advisors and brokers.
Insurance platforms
We build underwriting, document processing, claims and fraud tools that connect insurers, brokers and policyholders, covered in depth under insurance software.
Digital assets
We build exchanges, tokenization and DeFi platforms, and handle wallet operations, settlement and compliance.
Planning a payments, lending or banking product?
Talk to us about scope, integrations and compliance before you commit budget.
Payment and banking integrations, fraud and credit technology
We pick the technology that connects your data, systems and operations. These four come up on most FinTech builds.
Fraud and risk intelligence
Transactions, user behavior and device fingerprints scored as they happen, so suspicious activity is flagged before money moves.
AI credit scoring
Credit history, income, repayment behavior and approved transaction data used to assess borrower risk before credit is approved.
Open Banking
Secure API connections to authorised banks and data providers validate accounts instantly in payments, lending and analysis.
Document intelligence
Financial and identity documents read, extracted and checked for missing fields and suspicious attributes.
AI in FinTech, added to the financial products you run
Built by Scala AI, our AI engineering team, and wired into the systems you already run.
Security and compliance in FinTech software
Security controls are designed in before the first sprint and tested in every release.
PCI DSS
We build card flows to PCI DSS, with tokenization so raw card data stays out of your systems.
KYC and AML
Identity verification and screening built into onboarding, with an audit trail for every check.
GDPR
We handle customer data under EU rules for European products and users.
ISO 9001:2015
Our certified delivery process includes encryption, access control and audit logging as standard.
FinTech software development process, from scoping to launch
A focused FinTech MVP takes 6 to 8 weeks. For a platform with many integrations, advanced security and AI, discovery fixes the schedule in writing, and AI coding agents help our engineers ship it faster.
Quantflo: a portfolio management system for financial professionals
ScalaCode built a portfolio management system for Quantflo, used by financial professionals who manage many clients and portfolios. It covers fund management, public investment models and strategic asset allocation, with separate administrative and user roles.
admin and user access
One team, 14 years of shipping
projects shipped since 2012
AI systems running in production
clients across 45+ countries
years building software, since 2012
Rated 4.8/5 by the clients we build for
Verified reviews from Clutch and GoodFirms, and clients on camera.
33 verified reviews on Clutch
Clutch review★★★★★“They make every project comfortable, deliver on time, and are well-organized.”
Clutch review★★★★★“What stood out about Scalacode was their consultative approach and commitment to QA.”
Clutch review★★★★★“ScalaCode treated our financial ecosystem with the absolute seriousness it required.”
GoodFirms review★★★★★“Their team demonstrated deep knowledge in cloud security, automation, and performance optimization, allowing us to handle vast amounts of financial data efficiently.”
Clutch review★★★★★“They didn't just build an algorithm; they built a tool that respects the nuances of Indigenous reconciliation.”
Clutch review★★★★★“What sets ScalaCode apart is their technical AI expertise and an understanding of a client's organizational ethos.”
Clutch review★★★★★“They understood the business side of our requirements and often brought up solutions or ideas we hadn't considered.”
FinTech software development FAQs
We will answer any other question on the call.
How much does fintech software development cost?
Every FinTech build starts with a free discovery sprint. An MVP starts from $9,999, custom software from $9,999 and enterprise platforms from $24,999. Product type, integrations, security needs and platforms set the fixed quote.
How do you handle PCI DSS compliance?
We keep raw card data out of your systems wherever possible, using tokenization through PCI-compliant gateways such as Stripe or Adyen, which shrinks your audit scope. Where card data must be handled, we build to PCI DSS with encryption, network segmentation, access control and audit logging. Your assessor runs the audit, and we supply the technical documentation.
Can you integrate Stripe, Plaid and core banking systems?
Yes. We integrate Stripe, Adyen and other payment gateways, Plaid and Open Banking APIs for account data, and core banking systems through their APIs or a middleware layer. Older cores without modern APIs get a service layer, so new products ship without changes to the core. Many core banking systems run on Java, and our Java developers work inside them.
How do you build KYC and AML checks?
We connect identity verification providers for document and selfie checks, run sanctions and PEP screening, and apply risk-based rules that send only flagged cases to an analyst. Every check is logged with its result, so audits have a full trail.
How long does a fintech app take to build?
A focused MVP takes 6 to 8 weeks. A complex platform with many integrations, advanced security and AI is scheduled in the discovery sprint, and our engineers use AI coding agents to shorten the build.
Can you add AI fraud detection?
Yes. We add ML fraud scoring on transactions, devices and behavior to an existing product, running beside your rules engine at first so you can compare results. Analysts review flagged cases, and the model is retrained as new fraud patterns appear.
Can you build an MVP for a FinTech startup?
Yes. We build a focused MVP around the key customer and business flows, so you can validate the idea and collect feedback before adding scope.
Will we own the source code?
Yes. Ownership transfers under the agreed contract terms, so your team can maintain, scale and extend the application.
What sets ScalaCode apart is their technical AI expertise and an understanding of a client's organizational ethos.
Scope your FinTech build in 30 minutes
- Advice from a team that has built payment and finance flows
- Integrations, compliance and timeline covered up front
- Free, with no obligation to build with us