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Fintech Software Development Services

We at Octal IT Solution, provide complete fintech software development services to financial enterprises that help them create secure, compliant, and scalable digital solutions. Our custom fintech platforms are not just for start-ups but also for large businesses, which can directly lead to easier payments, better customer experience, and even more regulatory compliance.

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    Recognized and Trusted by Global Industry Leaders

    We partner with startups, enterprises, and financial institutions worldwide, delivering secure, compliant fintech solutions trusted across diverse global markets.

    2300+

    Projects delivered across mobile, web, and emerging technologies

    300+

    Expert mobile app developers driving innovation

    18+

    Years of experience in scalable digital solutions

    900+

    Global clients served with secure, high-performance apps

    Want to Know Your Fintech Software Development Cost?

    Share your requirements and receive a transparent cost estimate from our experienced fintech developers.

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    Custom Financial Software Development Services for Modern Financial Businesses

    The company is a well-known provider of fintech software solutions, and recognised as a software consulting services, there is no doubt about that. In fact, we provide fully customized fintech software development services tailored to you.

    Custom Fintech Software Development Services

    Custom Fintech Software Development Services

    We are a reputable partner in financial software development, and we deliver personalized solutions by creating highly secure, scalable systems that comply with intricate financial processes.

    Fintech Cybersecurity Services

    Fintech Cybersecurity Services

    We apply the latest security measures to both transactions and data, and at the same time, produce compliant and trustworthy fintech software solutions.

    FinTech Integration

    FinTech Integration

    Our fintech developers smoothly merge the payment gateways, APIs, analytics tools, and banking finance solution into the software ecosystems of the finance industry that already exist.

    Legacy Software Modernization

    Legacy Software Modernization

    You can make your old financial systems more cutting-edge by using our finance software development services, which would also mean better performance, improved security, and greater scalability.

    Fintech Product Development

    Fintech Product Development

    We take part in the entire process, from ideation to launch, and we are also the ones who excel in custom FinTech software development that turns innovative ideas into products that are market-ready.

    Embedded Finance Solutions

    Embedded Finance Solutions

    Payments, lending, wallets, and everything are embedded in a fintech platform through our high-quality software development.

    Fintech App Development

    Fintech App Development

    The financial software development company we represent creates both mobile and web applications with a user-friendly focus that allows transactions of a financial nature to be done smoothly.

    Fintech Cloud Services

    Fintech Cloud Services

    The financial software solutions we provide are based in the cloud, which implies that they are characterized by high availability, scalability, and secure management of financial data as benefits.

    Recognition That Highlights Our Industry Leadership

    Inspiring_Leaders_pic

    Honored with ET "Inspiring Leaders Award" North 2025

    CMMI Level - 3

    CMMI Level - 3
    Benchmark of Our Excellence

    Technology Council

    Official Member Forbes
    Technology Council

    Mobile App Developers

    Ranked Among Top 10
    Mobile App Developers

    Tech Titan Award

    Octal IT Solution Honored
    with “Tech Titan Award”

    Our Expertise as a Trusted Financial Software Development Company

    The company’s reputation as a fintech software development and software integration services provider is founded on its secure, scalable, and compliant financial solutions, which it customizes for different industry needs.

    Banking Software

    Digital Banking Software Development

    We are creating safe digital banking platforms that enable the management of accounts, transactions, and compliance with ease, while giving a better experience to customers.

    Payment Gateway

    Payment Processing System Development

    Our experts build payment systems that are dependable, and they are capable of handling real-time transaction processing, multi-currency, fraud detection, and third-party integrations with ease.

    IoT-Enabled Wallet Development

    Digital Wallet & E-Wallet Development

    Our company creates client wallets that offer a range of features, which include extremely safe storage, fast payments, giveaways, and a highly user-friendly experience across various devices.

    Loan Lending

    Lending Platform Development

    Specialized lending platforms facilitate the entire process of loan origination, credit scoring, repayment tracking, and regulatory compliance in a manner that is both secure and flexible.

    Wealth Management Software

    Wealth Management Platform Development

    We design smart platforms for managing portfolios, monitoring investments, making financial plans, and providing personalized wealth management advisory services.

    Blockchain

    Blockchain & Smart Contract Development

    The company’s blockchain-based solutions for financial ecosystems transform how transactions are carried out, enabling greater confidentiality, automaticity, and security through the use of smart contracts.

    Accounting Management Software

    Accounting & Financial Management Software

    The billing software we provide ensures there are no hiccups in reporting, budgeting, expense tracking, and controlling financial operations in terms of accuracy and efficiency.

    Automated Compliance Monitoring

    RegTech Software Development

    We develop Regulatory Technology platforms that support the financial sector in their compliance management, reporting, risk assessment, and regulatory monitoring through automation of these processes.

    Open Banking Software

    Risk Management Software Development

    We provide complete risk management solutions that identify, assess, and mitigate financial risks, leveraging data-driven insights and process automation.

    Fintech AI Development Services

    Fintech AI Development Services

    AI-powered solutions facilitate fraud detection, predictive analytics, customer insights, and decision-making in all fintech application areas. Connect with an AI development company for services.

    Insurance Software

    Insurance & Finance Software Development Services

    Our experts develop digital platforms for the insurance sector that include policy administration, claims, underwriting, and customer service.

    Enterprise Mobile App Designing

    Fintech UI/UX Design & Prototyping

    The designer team of our company creates not only user-friendly and visually appealing interfaces but also helps build trust and engagement for the fintech products among users.

    Custom Fintech Software Solutions for Every Financial Industry

    As a fintech app development company, we develop different platforms for the banking and payment, lending and insurance, wealth management, and other financial sectors. We follow custom fintech software solutions combined with deep industry knowledge so that our fintech software development services always bring about efficiency, regulatory compliance, and significant long-term business impact.

    Custom Fintech Software Solutions
    • Banking Banking downarrow

    • Lending Lending downarrow

    • Insurance Insurance downarrow

    • Wealth Management Wealth Management downarrow

    • Payments Payments downarrow

    • Regulatory & Compliance Regulatory & Compliance downarrow

    • Embedded Finance Embedded Finance downarrow

    • Capital Markets Capital Markets downarrow

    Fintech Software Solutions Designed for Modern Financial Ecosystems

    We create secure, scalable fintech software solutions that not only let financial firms perform their operations and risk management activities smoothly but also give customers the chance to experience digital service delivery in a better manner.

    Banking Software

    Banking Software

    Modern banking institutions are provided with powerful banking platforms for all the processes of account management, transactions, compliance, and the digital transformation of the entire institution.

    Complex Processing Systems

    Complex Processing Systems

    By means of very advanced software development for fintech, our systems take care of a large number of transactions and workflows at the same time, providing a high level of reliability and performance.

    Peer-to-Peer (P2P) Marketplaces

    Peer-to-Peer (P2P) Marketplaces

    A secure P2P platform is one of our products, enabling the smoothest transfers, real-time settlements, and trust-based financial interactions.

    Process Automation Solutions

    Process Automation Solutions

    The manual workload is significantly decreased by the automation tools, while the accuracy is improved, and the financial operations and decision-making processes are all made more efficient.

    BFSI Service Platforms

    BFSI Service Platforms

    The BFSI services connecting banks, finance, and insurance are integrated into unified digital ecosystems enabled by the platforms we deliver.

    Billing Software

    Billing Software

    Billing solutions are built according to the needs of the financial business that automate invoicing, subscriptions, tax calculations, and payment tracking.

    Financial Fraud Detection Software

    Financial Fraud Detection Software

    The AI-based fraud detection systems monitor transactions for anomalies, provide threat prevention, and, finally, secure transactions within fintech software solutions.

    Payroll Software

    Payroll Software

    Preparing payroll and ensuring tax compliance, carrying out deductions, and keeping employee financial records are among the functions of payroll systems we design to automate.

    Risk and Compliance Management Software

    Risk and Compliance Management Software

    Regulators set up the concept of risk that businesses are operating in, and with our platforms, they get an instant view of their compliance status concerning these financial regulations that are constantly changing.

    Wealth Management Software

    Wealth Management Software

    We have expert developers who expertly use tools that enable portfolio viewing, investment analysis, and personalized financial planning to be experienced by the customer.

    Trade and Investment Management Systems

    Trade and Investment Management Systems

    Luxury systems that are very refined take care of trading operations and are also for asset tracking, offering analytics and performance monitoring for the financial industry.

    Insurtech Solutions

    Insurtech Solutions

    Being among the top fintech software development companies, we are the ones who supply the insurtech platforms for policy management, claims processing, and customer interaction.

    Success Stories Demonstrating Our Development Capabilities

    Explore our case studies showcasing real-world development projects that highlight our technical expertise, innovation, and measurable business results.

    Looking for a Long-Term Fintech Technology Partner?

    We support fintech businesses with development, modernization, and ongoing maintenance services.

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    Security Compliances and Standards for Fintech Software Development

    We follow strict security protocols and financial compliance standards to protect data, ensure trust, and meet global regulatory requirements.

    GDPR (EU General Data Protection Regulation)

    We comply with GDPR by ensuring lawful processing, explicit consent, data minimization, user rights fulfillment, breach reporting, and robust technical safeguards across all applications.

    CCPA (California Consumer Privacy Act)

    Our team follows CCPA requirements by enabling consumer data access, deletion, opt-out rights, transparency in data usage, and protection of California residents’ personal information.

    HIPAA (Healthcare Data Protection)

    We adhere to HIPAA standards by protecting healthcare data through encryption, access controls, audit logs, privacy safeguards, and secure development of healthcare-focused applications.

    PIPEDA (Canada Data Privacy Law)

    Our team comply with PIPEDA by collecting data with consent, limiting usage, ensuring transparency, maintaining accuracy, and applying strong safeguards to protect personal information.

    FTC Guidelines (Consumer Data Protection & Fair Practices)

    We follow FTC guidelines to ensure fair data practices, truthful disclosures, reasonable security measures, consumer privacy protection, and accountability throughout our app development processes.

    PCI DSS (Payment Card Industry Data Security Standard)

    We adhere to PCI DSS by securing cardholder data, enforcing access controls, monitoring systems, performing regular audits, and maintaining secure payment environments.

    PSD2 / Strong Customer Authentication (SCA)

    We comply with PSD2 and SCA by implementing multi-factor authentication, secure APIs, fraud prevention controls, and compliant transaction authorization mechanisms.

    EMV Standards

    We follow EMV standards to ensure secure chip-based transactions, dynamic authentication, reduced fraud risk, and global interoperability across card payment systems.

    3D Secure Authentication

    We implement 3D Secure authentication to add additional verification layers, reduce fraud, protect users, and ensure compliant, secure online payment experiences.

    Payment Tokenization

    We use payment tokenization to replace sensitive data with non-sensitive tokens, minimizing exposure, reducing breach impact, and enhancing transaction security.

    OWASP Mobile Top 10

    We address OWASP Mobile Top 10 risks by applying secure coding, threat modeling, vulnerability mitigation, and continuous security reviews throughout development lifecycles.

    OWASP Mobile Security Testing Guide (MSTG)

    We follow OWASP MSTG to perform structured security testing, validate controls, identify vulnerabilities, and ensure mobile apps meet strong security benchmarks.

    NIST Cybersecurity Framework

    We align with the NIST Cybersecurity Framework to identify, protect, detect, respond to, and recover from cybersecurity threats effectively.

    Secure SDLC & DevSecOps Practices

    We integrate Secure SDLC and DevSecOps practices by embedding security into design, development, testing, deployment, and continuous monitoring stages.

    Data Encryption (AES-256, TLS 1.2+)

    We use strong encryption standards like AES-256 and TLS 1.2+ to protect data at rest and in transit.

    Apple App Store Review Guidelines

    We comply with Apple App Store Review Guidelines to ensure app security, privacy protection, performance quality, user safety, and platform policy adherence.

    Google Play Developer Policies

    We follow Google Play Developer Policies by ensuring secure data handling, transparent permissions, policy compliance, and trustworthy Android app experiences.

    WCAG Accessibility Standards (Mobile Accessibility)

    We adhere to WCAG standards to ensure our mobile apps are accessible, inclusive, perceivable, operable, and usable for all users.

    ISO 27001 / ISO 27701 (Information & Privacy Security)

    We follow ISO 27001 and ISO 27701 frameworks to manage information security risks, protect privacy, and maintain structured security governance.

    SOC 2 (Type I / II)

    We align with SOC 2 principles by implementing controls for security, availability, confidentiality, and operational integrity, validated through independent assessments.

    ITIL (Service Management)

    We use ITIL best practices to manage IT services efficiently, ensure reliability, improve service quality, and align technology with business objectives.

    COBIT (IT Governance)

    We follow COBIT frameworks to ensure effective IT governance, risk management, regulatory compliance, and alignment between technology and business goals.

    BPMN (Business Process Modeling)

    We use BPMN standards to model clear, consistent business processes, improving communication, efficiency, automation, and operational transparency across teams.

    Advanced Tech Stacks for Fintech Software Development

    We utilize modern tech stacks to provide a secure, scalable fintech software development service that is high-performance, compliant, and innovative.

    Fintech Software Development Cost & Estimation Breakdown

    The fintech software development cost is affected by the number of features, the level of compliance, the choice of technology stack, the number of integrations, and the complexity of development for financial solutions.

    Octal IT Solution Services

    Key Factors That Influence Fintech Software Development Cost:

    • App Complexity: Simple MVPs, feature-rich apps, or enterprise-grade solutions; complexity directly impacts cost and timelines.
    • Target Platform: Android, iOS, cross-platform, or hybrid; each platform comes with its own development scope.
    • UI/UX Design Depth: Custom animations, advanced interactions, and brand-driven interfaces influence effort and cost.
    • Features & Functionality: Login systems, payments, chat, GPS, push notifications, AI features, and third-party integrations add value and scope.
    • Backend & API Architecture: Scalable backend systems, cloud hosting, and secure APIs are critical for performance and growth.
    • Third-Party Integrations: Payment gateway development, analytics, CRM, IoT devices, or external tools affect the overall development effort.
    • Post-Launch Support & Maintenance: Ongoing updates, security patches, performance optimization, and feature enhancements ensure long-term success.

    What Is the Estimated Fintech Software Development Cost Range?

    Fintech App Type Estimated Cost Range Development Timeline
    Basic Fintech App $10,000 – $25,000 2 – 3 months
    Standard Fintech App $25,000 – $60,000 3 – 6 months
    Advanced Fintech App $60,000 – $120,000+ 6 – 9+ months

    Looking for a Fintech Software Partner for Your Industry?

    We build fintech solutions for banking, payments, lending, insurance, wealth management, and embedded finance platforms.

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    Benefits of Choosing Us Over Other Fintech Software Development Companies

    The partnership with one of the best fintech software development companies, comes up with financial business sector solutions that are secure, compliant, and scalable as per the requirements and needs of the industry.

    Proven Fintech Expertise

    Our fintech software developers are providing industry-specific solutions not only with deep knowledge but also with technical excellence.

    Security & Compliance First

    Fintech software development solutions are created with the most stringent regulatory compliance, strong security, and data protection considerations applied all the way through the process.

    Custom Development Approach

    Fintech software development at our company focuses on customized solutions that coincide with your business model and growth plans.

    Scalable & Future-Ready Solutions

    We offer financial software development solutions that can easily be scaled up or down based on the changing market requirements.

    Hire a Custom Finance Software Development Company Built for Your Business Goals

    By partnering with a custom fintech software development company and a leading IT consulting services provider dedicated to delivering secure, scalable solutions through flexible engagement models and a highly experienced team of fintech developers. Contact us today to discuss your project needs.

    *$15/Hour Flexible Hourly Hiring

    Scale your team instantly and pay only for the hours you use.

    Get a Quote Fixed Cost Projects

    Fixed pricing and timelines for clearly defined app projects.

    *$2200/Month Get a Dedicated Developer

    Work with a dedicated senior developer aligned with goals

    What Makes Us the Buzz of Tech Town

    Here’s what our business partners say about us.

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    Mr. Esteban Nunez

    CTO, Qualipharm

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    Fareed Muhammed

    Forexcitypro

    Octal IT Solution developed a robust stock and forex trading app with live market data, seamless trading, portfolio management, and performance tracking.

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    Adam Vagley

    Runner Consulting

    Octal IT Solution delivered the app as per specifications, with clear planning, weekly updates, and strong attention to detail.

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    Ms. Randa

    MD, Sugar Meet Sugar platform

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    Jeans Quevedo

    Fintech Company

    Octal IT Solution developed an agile payment web and mobile app with intuitive UI and seamless software integrations.

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    Catherine Mueni

    mVOCHA

    Octal IT Solution built a coupon website and iOS/Android apps enabling users to easily find and download discounts.

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    Mr. Dave Dorricott

    MD ,Fantasy Sport Plays Ltd

    Dedicated Teams for Your Specific Requirements

    Frequently Asked Questions

    Custom financial software development cost depends on features, compliance needs, integrations, and technology stack, typically ranging from mid-level to enterprise-grade investments.

    As a fintech outsourced software development company, we follow PCI-DSS, KYC, AML, and data protection standards throughout design, development, and deployment.

    Yes, our fintech developers integrate banking systems, third-party APIs, and secure payment gateways to ensure seamless data exchange and transaction processing.

    We use modern stacks including cloud platforms, microservices, AI, blockchain, and secure frameworks for scalable fintech software solutions.

    Our fintech software development services include continuous monitoring, updates, security patches, and performance optimization after product launch.

    FinTech software development timelines vary based on complexity, usually ranging from a few months for MVPs to longer cycles for enterprise platforms.

    Yes, we modernize legacy systems through software development for fintech, improving performance, security, scalability, and compliance readiness.

    A typical team includes fintech software developers, UI/UX designers, QA engineers, compliance specialists, and a dedicated project manager.

    What Makes Us the Buzz of Tech Town

    Here’s what our business partners say about us.

    Fareed Muhammed

    Founder, Forexcitypro

    Project summary: Forexcitypro

    Octal IT Solution has built a stock and forex trading app for a stock and forex trading firm. They’ve added features like live market data, trading capabilities, portfolio management, and performance trackers.

    • Budget $50,000 to $199,999
    • Duration Feb. 2024 - Ongoing
    • What They Say? Read Full Review

    Adam Vagley

    Founder, Runner Consulting

    Project summary: Runner Consulting

    A contact management software company hired Octal IT Solution for MVP development services. They built a progressive web app that helped users effectively manage their professional network and relationships.

    • Budget $10,000 to $49,999
    • Duration Jan. 2023 - Apr. 2024
    • What They Say? Read Full Review

    Ms. Joyce Mesick

    Founder, Finding Trusted Care

    Project summary: Finding Trusted Care

    Octal IT Solution has created a caregiver company’s flagship platform and app. Their resources have also worked on the firm’s website design. Around eight teammates work directly with the client on the project.

    • Budget $50,000 to $199,999
    • Duration May 2022 – Ongoing
    • What They Say? Read Full Review

    Mr. Michael Tan

    Project Manager, Clarins Pte Ltd

    Project summary: Clarins

    Octal IT Solution was hired by a skin care brand to build their inhouse claiming system. They used PHP for the development of their project.

    • Budget $10,000 to $49,999
    • Duration Jan. 2019 – Aug. 2020
    • What They Say? Read Full Review

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    Octal In The News

    Octal IT Solution Has Been Featured By Reputed Publishers Globally.