Best Fintech App Development Companies in 2025

With more than half of the world’s population expected to use digital banking in 2026, the market for financial technology services is sure to keep busy. There are almost 30,000 fintech startups in the world, and fintech app development companies make up a considerable chunk of those. 

Today’s fintech developers are on a big mission — to build digital finance solutions, from payment-integrated apps and neobanks to personal wealth trackers and AI-enabled service platforms. To meet the ever-growing demand for personalized, scalable, and compliant fintech, you’ll need the right development partner. 

This article highlights ten of the best fintech app development companies based on proven industry expertise, technical excellence, and strong client portfolios, covering everything from early-stage startups to enterprise-grade solutions.

Fintech app development market overview

Fintech sustains one of the largest global markets, valued at over $400 billion in 2025 and growing. The market’s momentum, driven by the demand for “smartphone banking”, integrated finance, and, of course, AI capacities, carries a very active segment:

• Fintech software development providers form a market segment worth $3.5 billion, growing at a 15.35% CAGR, and projected to reach approximately $12.5 billion by 2034.

Being heavily technologically driven, fintech’s rapid expansion rates are thanks to core tech innovations like:

• Regulatory technology — regtech has formed a niche of its own, given the numerous solutions developed to manage compliance with industry and legal regulations. 
• Open banking APIs — major banks release custom APIs into public access, enabling open banking. Financial app development experts can use such APIs for simpler creation of new solutions.
• Cross-border payments — solutions that enable international transactions help erase the boundaries and connect developers’ communities, allowing them to achieve ultimate fintech innovations. 

Businesses working with fintech products also place a greater focus on modular and cloud-native architectures that are easy to scale and manage in line with newer user expectations and regulatory requirements.

10 of the top fintech app development companies in 2025

The following fintech app development companies are the defining providers shaping today’s digital finance  across various segments. Let’s take a look.

Django Stars is a 16 year-experienced provider of fintech software development services with deep specialization in digital finance. Fintech is their core focus, and they’ve helped build everything from custom payment integrations and lending systems to complex regtech solutions. With over sixteen years in the industry, Django Stars specialists develop complex financial logic and mould it into clean, secure, and user-centric apps. 

The company boasts one of the widest skill sets, encompassing custom and technology-specific development, team scaling, and strategic and advisory services for startups and companies of various scales. The Django Stars team undertakes the full-cycle development of compliant fintech solutions for mobile platforms, web and cloud environments, desktops, and custom hardware. This is an optimal one-stop partner for a development project of any scale.

• Services and expertise: Fintech apps, banking platforms, lending tools, payment systems, regtech, wealthtech
• Tech stack: Python, Django, PostgreSQL, AWS, React, Docker, Kubernetes
• Team size: 100–150
• Hourly rate: $50–$99
• Location: Ukraine
• Clients: MoneyPark, PADI Travel, Scoperty

Pagepro

Pagepro specializes in delivering mostly front-end fintech solutions built and optimized using React and React Native. The main promise of this company is to deliver a narrow-but-deep expertise in Next.js, Sanity, and Expo. But it also offers custom web app development and fintech mobile app services. Pagepro supports integrations with existing services and apps, and has some good fintech cases in the portfolio.

• Services and expertise: React-based development, fintech dashboards, mobile apps development
• Tech stack: React, React Native, Next.js, Sanity, Expo
• Team size: 40
• Hourly rate: $50–$99
• Location: Poland
• Clients: Novus Bank, Localcoin 

Empat

Empat creates fintech applications full-cycle, providing software planning, development, UI/UX design, and MVP launch as a separate service. The agency also does SaaS, custom website development with emphasis on marketing, fintech solutions, and outsourcing options. Overall, Empat is a safe candidate that also offers fintech app developers for startups, early versions, and MVPs of future bigger platforms with financial features. 

• Services and expertise: UX/UI, mobile apps, MVP development
• Tech stack: Flutter, Node.js, Firebase, PostgreSQL
• Team size: 50–200+
• Hourly rate: $30–$60
• Location: Ukraine, USA (San Francisco), UK (London)
• Clients: Trigga, Fuel Finance

ScienceSoft

A real oldie, ScienceSoft has been with us since 1989, but these days, it narrows down its focus to custom software development, including compliant fintech solutions. They are ISO 9001 and ISO 27001 certified, got interesting testimonials, and offer consultations, which makes them a safe candidate. However, with a team of over 750 experts, this may be a bit of an overkill choice for smaller projects.

• Services and expertise: Banking systems, risk management tools, fraud detection
• Tech stack: Java, .NET, AWS, SQL, AI/ML
• Team size: 700+
• Hourly rate: $50–$99
• Location: USA
• Clients: Kapital Bank, Unibank

Inoxoft builds AI-enabled fintech platforms with a strong focus on custom back-end development and API integrations. The team at Inoxoft can help its clients integrate multiple payment processors, CRM systems, and ERP platforms into a unified financial ecosystem. For this and other services, the agency offers data orchestration skills, modular fintech architectures, and future-proof scalability support. 

• Services and expertise: Financial platforms, CRM, ERP, custom APIs
• Tech stack: Python, .NET, React, AWS, Azure
• Team size: 170+
• Hourly rate: $25–$49
• Location: Ukraine, USA (Newark, Philadelphia), Poland (Wrocław), Estonia (Tallinn)
• Clients: Maxfin Partners LTD, Sandmilk NFTs

Azumo works with startups and companies that require fintech solutions with integrated conversational AI and cloud-native architecture. This provider places an emphasis on automation and intelligence, creating AI chatbots that can handle a range of fintech tasks, from user onboarding and identity verification to customer support within finance apps. Azumo’s solutions leverage AWS and GCP infrastructure.

• Services and expertise: AI chatbots, cloud-native fintech apps
• Tech stack: Node.js, Python, AWS, GCP
• Team size: 200–500+
• Hourly rate: $25–$49
• Location: USA (San Francisco, CA)
• Clients: 1st Constitution Bank, Unity Bank

Tallium is a team of domain-specific mobile banking app developers that is more tuned for design-centric mobile app development. The agency promises to inject lots of fintech UX know-how into your projects and achieve intuitive financial flows for up-to-date apps that any user segment can use. Tallium has cross-platform expertise, working with iOS, Android, and Flutter, and boasts some pretty polished user-first mobile experiences.

• Services and expertise: Product strategy, mobile banking apps
• Tech stack: Swift, Kotlin, Flutter, Firebase
• Team size: 100–150+
• Hourly rate: $25–$49
• Location: Ukraine, Poland, Netherlands (Amsterdam)
• Clients: Nowo, Smartbank

Appening develops mainly lightweight fintech applications with quick turnaround times, which makes them a good candidate to help startups test and validate product ideas and launch ASAP. Their small, agile teams focus on lean architecture and fast product delivery, as well as proof-of-concept apps for feature experimentation and MVPs used for raising project funds.

• Services and expertise: MVPs, UX-focused fintech apps
• Tech stack: Flutter, Node.js, MongoDB
• Team size: 30+
• Hourly rate: $25–$45
• Location: India
• Clients: License Portal, Shappi

Appinventiv is a full-stack provider that promises to deliver large-scale fintech platforms, from P2P payment systems to enterprise wallets and neobanking apps. They support full-cycle development including KYC, AML, and multi-currency integrations, enabled by the global team, compliance certifications, and testimonials pointing out a complex approach of this company.

• Services and expertise: Full-stack fintech, mobile wallets, KYC/AML systems
• Tech stack: Java, Kotlin, Swift, AWS
• Team size: 1600+
• Hourly rate: $25–$49
• Location: India, USA, Canada, Australia, UK, UAE
• Clients: Edfundo, Mudra

Synodus

Synodus delivers full-service fintech app development, with an emphasis on blockchain integration, custom analytics, and custom UI/UX designs. They build smart contract-enabled apps for decentralized finance use cases. They also offer a range of analytics-first decision tools that help deploy financial services with deep behavioral and transaction insights.

• Services and expertise: Blockchain fintech, smart contracts, analytics tools
• Tech stack: Solidity, React, Python, AWS
• Team size: 250–500+
• Hourly rate: $30–$70
• Location: Vietnam, Singapore
• Clients: Techcombank, Golden Gate Group

How to choose the right fintech app development company

The final choice from the list of the available digital finance app builders should be shaped by more factors than the company’s surface characteristics. In 2025, you require professionals who know how to maintain high scalability, implement bulletproof security, and design inspiring user experiences tailored to your specific purposes and vision. 

There are ten steps, each describing several subtasks, to help you find a fintech provider that matches your needs perfectly and can be relied upon long-term. Let’s start.

#1 Start with a clear vision

While there may be several steps to picking your best-fitting fintech development agency, it’s all about knowing what you need in the first place. If you haven’t already, try to specify the following decisive points:

• What kind of fintech solution are you building? To help clarify, we’ve outlined 10 key categories that cover the most common and in-demand types of fintech products today.

• What platforms will it be running on (iOS, Android, web)?
• Will you need complex technologies (like blockchain, AI/ML, or open banking APIs)?
  

You will make your developer’s job much easier and fintech product engineering cycle faster and more in line with your expectations if you also define:

• Future product’s core functionalities, e.g.,:
  • digital banking UI
  • payment gateways
  • lending tools
• Desired integrations, e.g.,:
  • Stripe
  • Visa
  • Direct
• Tech requirements, e.g.,:
  • mobile or web platform compatibility
  • banking API integrations
  • complex tech, like AI or blockchain
• Target markets, e.g.,:
  • Consumer banking
  • B2B finance
  • Accounting tools
• Compliance constraints, e.g.,:
  • Personal data processing restrictions
  • Open banking requirements
  • Crypto asset regulations

Clarifying all of the above will give you enough preliminary research to narrow down your candidates, paint the picture for your chosen developer, and kick off a new development project. You can also use software development consulting services to get your preliminaries summed up by professionals. 

#2 Seek in-depth domain expertise

Fintech is a unique domain that relies on software that must remain compliant, transparent, and protected from specific types of cyberattacks. Development companies with more general product portfolios may not be equipped for the intricacies of financial solutions. 

So it’s your best bet to partner up with an agency that delivers end-to-end fintech development services with a dedicated focus on all angles of this niche. How to make sure about that?  See to it that your candidate company is well-familiar with:

• Regulatory frameworks, including: 
  • PSD2
  • GDPR
  • PCI-DSS
  • KYC/AML
• Both proven and latest cybersecurity techniques, like:
  • secure data flows
  • audit trails
  • multi-level authentication
• Financial logic: 
  • transaction routing
  • fee calculations
  • risk engines, etc.

To further clarify the extent of domain expertise, ask your candidate agency:

• What fintech projects have you delivered in the past 2–3 years?
• Can you walk us through a use case highlighting some compliance and security challenges?

Also, don’t shy away from using platforms like Clutch, GoodFirms, or fintech-specific directories to find firms with matching experience rated by real users. 

#3 Double down on security and compliance credentials

Given the sensitive nature of fintech products, which involve personal finances and responsible transactions, security is one aspect you cannot compromise. Ultimately, fintech requires MIL‑grade security.

To join up with a provider that can guarantee that level of protection and deliver highly secure fintech applications, make sure your candidate:

• Builds apps with cybersecurity reinforced by:
  • end-to-end encryption
  • secure APIs
  • role-based access
• Complies with security certifications, including:
  • ISO/IEC 27001
  • SOC 2
  • OWASP top 10
• Perfects their security measures with:
  • regular cybersecurity audits
  • penetration testing
    

To get more decisive insights, ask your candidate agency how they manage:

• Secure storage of personal and financial data
• Incident response and disaster recovery planning
• Authentication processes
  

All-around compliance must be a project priority from the get-go — choose from the fintech app development services companies ready to guarantee that.

#4 Go through their tech stack and engineering maturity

Another key pillar of a successful fintech app is its backend architecture. This is the foundation, and your company of choice must excel at laying it down. This means taking things far beyond coding — a worthy agency should provide up-to-date architecture approaches and extra tools.

And if you wish to additionally clarify the level of fintech experience of your candidate developer, ask them for examples of:

• Handling large concurrent transactions
• Building APIs for external integrations
• Designing scalable systems for millions of users

#5 Learn about their delivery methodology

Entire digital banks emerge on mobile, web, and desktop app markets every day. A competitive fintech product must not waste a second of time-to-market. To boost your chances of making a new product release both technically efficient and quick to launch, select partners who follow a well-adjusted service delivery methodology. 

A provider specialized in Agile workflows would be the top choice. Agile gives you:

• Structured sprint planning, useful backlogs, and bi-weekly demos of work done
• Clear KPIs and reporting systems, usually generated via Jira, Trello, or Confluence
• Quick MVP delivery cycles with enough room for iterative improvements
  

Agile firms adapt faster to user feedback and regulatory changes, which is essential for fast-moving financial markets. An Agile-focused partner will help you map out development sprint rhythms, gather stakeholder reviews, and validate new features via live iterations and demos.

#6 Focus on UI/UX for financial interactions

A good development candidate must not downplay the implementation of UI/UX design tailored to the financial nature of services and respective user audiences. Especially when working on custom fintech app solutions, which give you the freedom to express business attributes, experiment, and design something unique.

If you’re opting for bespoke software development fine-tuned to your particular needs, choose a company with:

• Experience building UX for digital wallets, budgeting apps, and investment dashboards
• A well-structured design process, with wireframes, prototyping, usability testing, and other essentials
• Expertise in translating complex financial logic into simple, intuitive app user flows
  

True, fintech apps are commonly packed into simple, to-the-point interfaces with clear flows for operations that become mundane for most users (money transfers, remunerations, obligatory payments, etc.). But there’s nothing like a breath of fresh air you can stimulate by throwing in your own patterns and colors.

#7 See case studies and industry track record

The case study and past project exploration should be a separate stage in your search for a perfect payment app development partner. Companies that have delivered successful fintech products in your niche segment are far more capable of hitting the spot for your expectations and keeping up with the industry standards.

Here’s what you can do:

• Check portfolios and case studies for apps in your segment: payment apps, trading platforms, regtech, banking apps, wealth management platforms, etc.
• Take a minute to go through client testimonials and highlighted partnerships to understand the company’s typical clientele.
• Take note of any awards, certifications, or mentions in fintech-focused publications
  

For an even deeper insight, ask a provider for a detailed walk-through of projects similar to yours. For instance, Django Stars’ Lendage case study demonstrates the company’s long-term commitment to the project — we’ve been working on it since 2018, implementing a robust loan origination platform. 

In contrast, the Consolitech case study reflects the scale of effort they put into fintech innovation. A unique financial planning app, it brings finance management closer to broader audiences.

#8 Discover communication principles, time zone fit, and team dynamics

Before partnering with a provider, also specify how project communication will flow — daily stand-ups, Slack, documentation? Fruitful collaboration rests on efficient interactions, that’s why you need a company with open, responsive communication across all touchpoints. This is even more important for remote or hybrid collaboration. 

When evaluating how well a candidate can communicate their workflow processes, look for:

• Dedicated project managers or scrum masters who oversee product delivery and bridge the communication.
• Well-defined service-level agreements detailing response times, work progress reports, and issue resolution routines.
• Communication via relevant tools, like Slack, Jira, Confluence, or Notion.
• Overlapping work hours or fitting time zones for real-time discussions when needed.
  

To gain more confidence in your future software partner’s ability to respond, ask them also:

• How often will we receive updates?
• Who will be our main point of contact?
• Can we speak directly with the development team?

Apart from the reporting logistics, your future client-provider interactions will also be shaped by the team’s mindset and soft skills. Most of that, however, you will only see in practice, so the best thing for now is to opt for a seasoned team with niche experience. 

#9 Discover support, maintenance, and future roadmapping

Launching a fintech app is only the beginning. The real challenge lies in maintaining its security, scalability, and user relevance over time. Your development partner should be prepared to support you in the long term and offer structured post-launch services to mitigate expensive downtime, lag, or unresolved bugs.

To give you more post-launch performance and support confidence, your finance software development company of choice should be able to:

• Provide SLAs that define timeframes for bug resolution, critical issue handling, and rollback plans.
• Conduct ongoing monitoring, performance tracking, and uptime management.
• Set up version control pipelines and CI/CD automation to enable faster updates and reduce deployment risks.
• Do analytics of user behavior, churn rates, and transaction flows for project insights.
  

A reliable partner must be able to provide post-release support, including security patches, compliance updates, new feature rollouts, and scaling assistance. 

#10 Compare cost models and long-term value

Price alone is a poor metric when choosing a fintech development company—especially when your product requires long-term security, reliability, and compliance. The goal isn’t to find the cheapest provider, but the one that delivers measurable value over time.

Understand how different companies price their services:

• Fixed-price models offer predictability but may lack flexibility for evolving features
• Time-and-materials models are better for agile or iterative projects, but require strong task tracking and accountability
• Hybrid pricing models combine flat rates for discovery or MVP phases with variable rates for ongoing development
  

Other important cost-related questions:

• What’s included in the quote — design, testing, DevOps, third-party integrations?
• Are there hidden costs (API licensing, cloud infrastructure, compliance reviews)?
• How do they estimate timelines and manage scope changes?
  

The most cost-effective teams are not always the ones with the lowest prices. Look for companies with a track record of delivering successful fintech products efficiently, minimizing technical debt, and reducing your long-term total cost of ownership (TCO).

Final tip: Get a consultation, an early estimate, or launch a pilot project

Once you’re ready for the final point of contact, it’s time to take your candidate agency for all they got. Make sure to schedule a consultation if a company consults, get a project estimate if it offers quotes and estimates. And don’t be shy to launch a small pilot sprint if an agency is ready to demonstrate a piece of their workflow in action. 

Launching a pilot project phase, in particular, is a great way to test:

• Communication workflows
• Technical problem-solving
• UI/UX design capacities
  

It’s like creating an MVP before a full-scale product — a way to validate your partner before diving into collaborative development, avoiding all the related risks.

Conclusion

These were the leading fintech app development companies in 2025. It is now up to you to choose a team that fits and empowers your vision. Just ensure they demonstrate a fintech-specific expertise, a compliance certificate or two, and collaborative capacity necessary to drive your project ambitions to their finalization and successful monetization. 

Turn to Django Stars for a one-stop take on all of your fintech software implementation needs — let us help you manage a cost-efficient project, maintain future-proof processes, and optimize the latest fintech innovations for your needs.