Fintech App Development Services
You are in great company
BUILD SECURE, AI-POWERED FINTECH APPS
As a seasoned fintech app development company with 20+ years of BFSI (Banking, Financial Services, and Insurance) experience, 10Pearls engineers custom fintech app development solutions where compliance isn’t a post-launch checklist, it’s an architectural decision made on day one. Whether you’re launching a regulated consumer product, scaling a payments platform, or modernizing a legacy financial system, our fintech app development solutions are built to pass audits, not just deadlines. Our AI maturity and architectural expertise allow us to embed AI capabilities securely into your fintech applications, balancing innovation with strong governance.
Why financial companies choose 10Pearls
Every vendor in this space will tell you they understand financial services. We demonstrate it through consistent delivery, deep domain knowledge, and proven outcomes across fintech products.
100+ secure fintech deployments
We embed security and regulatory controls in app architecture from day one to support resilient and adaptive compliance across operations.
20+ years of BFSI engineering
We deliver financial systems through pre-PCI DSS to v4.0, from early mobile banking to GenAI-powered products backed by deep BFSI expertise.
Top fintech engineering talent
We have 35+ verified reviews on Clutch, including a diverse range of fintech clients served across multiple operational domains and regulatory environments.
AI-first fintech engineering
We strategically align AI integration with measurable outcomes, embedding fraud detection models, credit scoring algorithms, and GenAI capabilities at the architecture layer.
US-aligned nearshore teams
Our LATAM delivery centers operate in US-aligned time zones, under US-governed NDAs, while adhering to SOC 2 and ISO 27001 standards.
10Pearls in numbers
20+
years BFSI
experience
100+
fintech products
shipped
225+
enterprise
clients
98%
BFSI client
retention
Our fintech app development services
Our fintech mobile app development services span the entire BFSI value chain. Every product below is engineered around its specific regulatory environment rather than retrofitted for compliance.
Mobile banking apps
Retail, corporate, neobank, and credit union banking apps with real-time account management, transaction monitoring, open banking integrations, and card controls. Serverless microservices architecture for scale, biometric authentication as standard.
Digital wallets
Multi-currency wallets with NFC contactless payments, QR transfers, P2P payments, loyalty integration, and real-time fraud scoring. Blockchain-backed settlement available. Sub-100ms transaction confirmation with ML anomaly detection running inline.
Robo-Advisors & WealthTech
AI-driven wealth management apps with automated portfolio rebalancing, tax-loss harvesting, financial goal tracking, and hyper-personalized product recommendations. Institutional-grade performance with user-focused UX for a seamless experience.
Lending & mortgage platforms
Loan origination, automated credit decisioning, bureau and alternative data scoring, KYC/AML identity verification, repayment scheduling, and collections management. ML-driven risk models reduce default rates and accelerate approval from days to minutes.
Neobanking platforms
Core banking architecture with instant account opening via eKYC, virtual card issuance, spend analytics, BaaS provider integrations, and real-time notifications. Built API-first for regulatory go-to-market speed without sacrificing security architecture.
InsurTech platforms
End-to-end digital insurance with automated underwriting, policy management, claims processing, and fraud detection using predictive analytics. Customer-facing apps with real-time quote generation, self-service claims, and embedded telematics integration.
Payment gateways & processing
High-throughput transaction engines with PSPs like Stripe and custom bank API integrations. 3D Secure 2.0, tokenization, dynamic CVV, and end-to-end encryption as standard. Multi-currency, multi-rail, multi-region — deployed on AWS GovCloud or Azure.
Investment & trading platforms
Retail and institutional trading systems with real-time market data feeds, algorithmic trading support, AI-driven portfolio analytics, and multi-asset class management. Full audit trail, regulatory reporting, and role-based access for compliance officers.
Crypto & blockchain applications
Crypto wallets, decentralized exchanges (DEX), smart contracts, NFT platforms, and DeFi applications on Ethereum, Hyperledger, Polygon, and Solana. Regulatory traceability and on-chain compliance built into every architecture decision.
RegTech & compliance tools
Our compliance-by-design approach
In custom fintech app development, the cost of retrofitting compliance after launch can prove to be much higher than building it in correctly from day one. We don’t offer a compliance layer. We offer a compliance-by-design methodology, where regulatory requirements are scoped before the first sprint and validated in every CI/CD pipeline.
Standards we design for & support across regulated environments
| Standard | What we address in your product |
|---|---|
| PCI DSS v4.0 | CDE scoping, network segmentation, Req. 6 secure development, MFA, continuous monitoring, support for SAQ/ROC preparation |
| SOC 2 Type II | Security, availability, processing integrity, confidentiality and privacy controls — with audit-ready evidence practices embedded into development |
| HIPAA / HITECH | ePHI encryption, access controls, audit logs, BAA support and alignment — for health-adjacent fintech and healthcare payment platforms |
| GDPR / CCPA | Data subject rights workflows, consent management, cross-border transfer controls, data minimization architecture |
| AML / KYC | Identity verification flows, real-time transaction monitoring architecture, SAR readiness, OFAC/PEP screening |
| PSD2 / Open Banking | Strong Customer Authentication (SCA), third-party provider (TPP) authorization, consent management and revocation |
| FinCEN / BSA | BSA/AML-aligned architecture, CTR/SAR reporting workflows, beneficial ownership verification |
| ISO 27001 | Alignment with ISO 27001 security controls and ISMS principles across development and delivery |
Our security architecture principles
Zero-trust architecture
Every service, user, and device treated as untrusted until verified, regardless of network position
End-to-end encryption
TLS 1.3 in transit, AES-256 at rest across all storage layers including backups and disaster recovery
Data residency controls
Configurable architecture supporting US, EU, and multi-jurisdiction data residency requirements
AI-powered fraud detection
Real-time anomaly scoring on transaction streams, with ML models fine-tuned on transaction and fraud patterns
Continuous security testing
OWASP Top 10 risk coverage, dependency auditing, and secrets management baked into every release cycle
Biometric authentication
Support for Face ID, Touch ID, and optional behavioral biometrics integrated on consumer-facing financial products
Use cases for AI in fintech
Financial institutions that haven’t embedded AI in their risk, fraud, and customer experience layers are already operating at a structural disadvantage. 10Pearls is an AI-first engineering company — and our fintech app development solutions reflect that across every product type we ship.
| AI use case | What we integrate, build & how they perform |
|---|---|
| Real-time fraud detection | ML models fine-tuned on transaction behavioral patterns that score anomalies in near real-time — minimizing impact on legitimate transactions. Deployed in payment gateways, digital wallets, and neobanking platforms. |
| AI-powered credit scoring | Alternative data models assessing creditworthiness beyond bureau scores — incorporating transaction history, behavioral signals, and personal and business cash flow for enhanced and more inclusive lending decisions. |
| GenAI financial assistants | In-app AI assistants powered by LLMs, based on proprietary data and supplemented with RAG pipelines. They answer account queries, surface spending insights, explain product terms, and guide users through financial decisions. |
| Automated document processing | Computer vision and NLP models that extract, classify, and validate financial documents such as tax returns, bank statements, KYC files, reducing manual review time and minimizing human errors. |
| Predictive portfolio analytics | ML models forecasting market signals, optimizing asset allocation, and surfacing risk alerts for investment and wealth management platforms — supporting explainability for compliance. |
| AI-driven personalization | Recommendation engines surfacing relevant financial products, savings opportunities, and spending insights — driving cross-sell and long-term engagement. |
From concept to prototype in 90 days
Our AI Launchpad program helps to rapidly validate your fintech AI ideas, taking
them from design board to proof of concept in 90 days.
Data consulting vs managed data services
Data consulting helps you build and modernize your data foundation. Managed data services help you operate, optimize, and scale it over time.
| Layer | Technologies | Why it matters in fintech |
|---|---|---|
| Mobile | React Native · Flutter · Swift · Kotlin | Native-quality performance on iOS and Android; biometric auth and offline transaction queuing supported |
| Backend | Node.js · Python · Java · .NET · Go | High-throughput transaction processing; event-driven microservices; real-time streaming with technologies like Kafka |
| Payments & banking APIs | Stripe · Braintree · Adyen · Plaid · TrueLayer · MX | PCI-aligned payment processing; open banking account aggregation; FDX and PSD2 data access |
| Blockchain | Ethereum · Hyperledger · Solana · Polygon | Smart contracts, DeFi protocols, crypto wallets; compliance support and traceability |
| Cloud & infrastructure | AWS GovCloud · Azure · GCP · Kubernetes · Terraform · CI/CD | Compliant cloud architecture; auto-scaling; audit-ready logging; disaster recovery with RTO/RPO SLAs |
| Data & AI | PostgreSQL · DynamoDB · Snowflake · TensorFlow · PyTorch · OpenAI · Vertex AI | Transactional data support, ML fraud models; GenAI integration; real-time analytics pipelines |
| Security tooling | HashiCorp Vault · OAuth2 · FIDO2/WebAuthn · HSM · OWASP ZAP · Burp Suite | Secure key management; hardware security modules; FIDO2 passwordless auth; automated pen testing |
Our fintech expertise
General-purpose software development companies apply the same delivery playbook to every vertical. We tailor our approach across financial services verticals, adapting to the distinct regulatory obligations, user behavior patterns, and technical architecture decisions of each segment. As an experienced fintech mobile app development company, we bring vertical-specific knowledge to every engagement.
| Segment | We Specialize In |
|---|---|
| Banking & Neobanking | Mobile banking, core API, eKYC, BaaS integrations |
| Payments & Transfers | Gateways, remittance, P2P, mPOS, multi-rail |
| InsurTech | Underwriting automation, claims, policy management |
| LendingTech | Origination, credit decisioning, BNPL, collections |
| WealthTech | Robo-advisors, portfolio management, trading platforms |
| Crypto & DeFi | Wallets, DEX, smart contracts, NFT, DeFi protocols |
| RegTech | AML monitoring, KYC automation, audit tools |
| Healthcare Finance | Healthcare payments, insurance billing, RCM |
What working with us looks like
Building a compliant, production-grade fintech application is fundamentally different from building a standard software product. The regulatory environment shapes every architectural decision, which is why our process starts with a compliance scoping conversation, not a tech stack discussion.
Week 0
Discovery & business alignment
We begin by understanding your business model, product goals, users, and regulatory environment. This ensures technical decisions align with business outcomes. We define success metrics, risk constraints, and market requirements before architecture begins.
Week 1-2
Compliance Scoping
We map your regulatory obligations before the first sprint. PCI DSS, AML, GDPR, FinCEN—whatever applies to your product—is scoped into the architecture brief to ensure compliance is built in from the start, not addressed later.
Week 3-6
Architecture & UX Design
Security threat modeling, data flows, encryption architecture, and CDE scoping are designed alongside financial UX. We focus on trust signals, frictionless onboarding, and clear data presentation—key to driving adoption in regulated products.
Sprint cycles
Development & live compliance docs
Agile sprints include SAST/DAST scanning in every pipeline. Compliance documentation is maintained in parallel with development, not recreated before audits. You always have audit-ready artifacts, ensuring visibility, accuracy, and reduced compliance risk.
Pre-launch
Security testing & compliance review
We conduct penetration testing, OWASP Top 10 validation, PCI DSS pre-audit reviews, and AML rule testing. We simulate regulatory reviews early, ensuring systems meet audit expectations before external assessment and reducing last-minute risks.
Post-launch
Monitoring, model retraining, iteration
We provide real-time monitoring, fraud model retraining, regulatory update support, and ongoing security testing. Financial systems require continuous evolution—so we remain an active engineering partner, not just a post-launch handoff.
Which regulations apply to your fintech product?
We help you navigate the complexities of the fintech regulatory landscape and define applicable obligations across jurisdictions before development begins, to ensure compliance is built into the architecture from day one.
| Regulator / Standard | Who it applies to | What we address |
|---|---|---|
| FinCEN / BSA & global AML frameworks | Payment platforms, money transmitters, crypto products | BSA/AML program, CTR/SAR filing architecture, OFAC screening, beneficial ownership |
| CFPB / Global consumer protection regulators | Consumer lending, BNPL, digital banking, personal finance apps | UDAAP risk design, Reg E dispute flows, consumer data rights, fair lending architecture |
| PCI Security Standards Council | Any product that touches card data — directly or indirectly | CDE scoping, SAQ/ROC preparation, v4.0 Req. 6 secure development, tokenization |
| State MTL & global licensing Requirements | Cross-state money transmission products | License requirement mapping across US jurisdictions and equivalent international regimes |
| SEC / FINRA & global securities regulators | Investment, trading, robo-advisor, and wealth management apps | Adviser registration flows, broker-dealer compliance modules, audit trail and reporting |
| FDX / Open Banking (US) & PSD2 | Apps accessing bank account data via consumer consent | FDX API implementation, consent management, revocation workflows, and PSD2-compliant SCA and TPP authorization |
| GDPR / CCPA & global privacy laws | Products serving EU users or California residents | Data subject rights, consent management, cross-border transfer controls, privacy-by-design |
Need clarity on your regulatory scope?
We offer a comprehensive and customized assessment as part of every initial consultation to help you identify applicable frameworks before development begins.
Our enterprise-ready delivery framework
Selecting a fintech app development company isn’t just a technology decision, it is a vendor management decision that your compliance, procurement, and legal teams will scrutinize. At 10Pearls, our operating model is structured to align with enterprise due diligence requirements.
| What enterprise BFSI buyers need | What 10Pearls provides |
|---|---|
| US timezone collaboration | LATAM delivery centers in EST/CST/PST with standups, demos, and reviews in your working hours. |
| Security & due diligence | SOC 2 documentation, ISO 27001 alignment, penetration test reports, security policies provided upfront. |
| NDA & IP protection upfront | Comprehensive IP assignment agreements and NDAs from the first conversation — not after scope definition. |
| Data residency & sovereignty | US-only, EU-only, or multi-jurisdiction storage architecture, based on your regulatory and contractual obligations. |
| Embedded compliance expertise | Dedicated fintech squads include engineers, QA, and UX, as well as compliance consultants. |
| Long-term delivery stability | 98% BFSI client retention rate. Average engagement in financial services exceeds four years. |
Flexible engagement models
Fixed price
Defined scope, defined budget, milestone delivery
Best for: Regulated MVPs and complete apps where compliance scope is
defined upfront
Time & materials
Evolving scope, iterative delivery, full flexibility to pivot
Best for: Products iterating
through regulatory feedback
and market testing
Dedicated fintech squad
Ongoing product engineering with embedded compliance specialists
Best for: Enterprises building
long-term financial products that require continuous security & compliance expertise
Awards & recognitions
Our Salesforce case studies
case study - technology
Customizable SaaS Platform for Digital Banking Solutions
Empowering financial institutions with advanced web and mobile banking solutions and enable seamless digital transformation.
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
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
case study - fintech
Customizable Member Portal
10Pearls led the group of credit unions through the design, development, and successful capital raise for a new, independently owned digital banking platform.
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FAQs about fintech app development services
What are fintech app development services?
Fintech app development services cover the end-to-end design, engineering, security testing, and deployment of software applications for the financial services industry — including mobile banking apps, digital wallets, payment platforms, lending systems, investment tools, and regulatory compliance products. A specialist fintech development partner brings both technical expertise and domain knowledge of the regulatory frameworks governing financial products in your target market.
How do you ensure PCI DSS compliance in fintech apps?
We support PCI DSS compliance by initially scoping the cardholder data environment (CDE) early in development, designing network segmentation and encryption architecture to minimize CDE scope, and implementing PCI DSS Requirement 6 secure development practices throughout the SDLC.
We maintain continuous compliance evidence and control documentation throughout development, ensuring audit artifacts are built in rather than assembled retrospectively. This allows the assessing Qualified Security Assessor to review a complete, audit-ready evidence trail instead of reconstructing compliance after the fact.
We have successfully delivered PCI DSS-aligned products across mobile payments, digital wallets, and payment gateway solutions.
What compliance certifications does 10Pearls build to?
By default, we architect to PCI DSS v4.0, SOC 2 Type II, GDPR, HIPAA, AML/KYC (FinCEN), PSD2, and ISO 27001. Our Compliance-by-Design methodology means these requirements are scoped before development begins, embedded in the architecture, and validated in every CI/CD pipeline. We don’t treat compliance as a project phase — we treat it as an engineering discipline.
How much does fintech app development cost?
Fintech app development costs depend on a number of factors, including compliance needs, feature complexity, integrations, and architecture. Additionally, requirements like AI capabilities, data residency, and security controls, will also impact investment. At 10Pearls, we start by assessing your product scope and regulatory obligations upfront to deliver a clear, accurate estimate.
How long does fintech app development take?
An MVP fintech app typically takes 8 to 14 weeks. Mid-complexity platforms: 14 to 28 weeks. Full-scale platforms: 28 to 48 weeks. Enterprise platforms: 48 weeks or longer.
Our Agile delivery process means you see working, tested software at the end of every two-week sprint. Compliance documentation is maintained in parallel — so pre-launch audit preparation doesn’t add time at the end of the project.
Can you integrate my product with open banking APIs?
Yes. We have delivered integrations with Plaid, TrueLayer, Finicity, MX, and the FDX open banking standard. We handle consumer-permissioned data access, Strong Customer Authentication (SCA) under PSD2, third-party provider (TPP) authorization flows, and consent revocation management — across both US and EU open banking frameworks.
Do you build AI-powered fraud detection into fintech products?
Yes. We implement ML-based fraud detection systems that score transaction anomalies in near real time, typically within sub-second latency ranges depending on architecture. These systems are deployed across payment gateways, digital wallets, neobanking, and lending platforms.
Our AI Launchpad program can take a fraud detection use case from ideation to proof of concept in 90 days.
Can you modernize a legacy financial system?
Yes. We have extensive experience modernizing legacy financial infrastructure — migrating monolithic core banking systems to microservices, re-platforming proprietary financial data systems to cloud-native architecture, and replacing legacy AML tools with ML-powered monitoring. We execute migrations incrementally to maintain operational continuity throughout the process.
Let’s build your fintech product
We help you build secure, compliant AI-enabled fintech apps, designed for scalability and adaptability.