How To
Feb 27, 2025
Why Uptech?
200+
Software solutions delivered
Expertise in6 industries
Fintech, Healthcare, Logistics, Real Estate, E-commerce, Delivery
9years of experience
in software development, design, QA, and product discovery
Top B2B
Service Provider by Clutch
Fintech Software Development Services We Offer
Yan Likarenko
Project Manager at Uptech
Get a free consultation on your fintech project!
Get a free consultation
Get a free consultation
Our Successful Cases
Aspiration
Community-Focused Financial Services App
Aspiration provides a scalable, secure fintech experience aimed at community support, offering exceptional app stability, user satisfaction, and impressive ratings.
View Case Study
View Case Study
Cardless
Brand-Centric Rewards Fintech App
Cardless empowers brands to reward superfans through a robust fintech platform featuring rapid launch capabilities, biometric security, and enhanced user engagement.
A Neobanking App
A Solution for Underbanked Populations
A secure, reliable fintech app designed specifically for underbanked users, offering simplified financial access, effective fraud prevention, and stable performance.
View Case Study
View Case Study
“This was a great experience. Uptech is professional and self-sufficient. The team quickly gained context on our business, and was able to deliver on time.”
SARAH ZUCKERMAN ENGINEERING MANAGER at CARDLESS
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Fintech Solutions We Build
Online Banking
Our expert team develops custom web and mobile banking apps with robust security, seamless compliance, intuitive design, and all your bank's essential services. We can explore gamification, AI features, and third-party integrations for optimal user experience.
Trading Systems
Uptech creates fintech software solutions for trading with stability in mind. We use asynchronous techniques, seamless live data delivery, and optional AI/ML features such as algorithmic trading for smarter and more efficient trading experiences.
Insurance Tech
A customized insurance software system reduces risks, minimizes administrative expenses, and boosts operational efficiency. For example, we can develop a billing management system to automate payment collection, keep clear accounting records, and improve financial oversight.
Payments and Digital Wallets
Our team simplifies payments by delivering custom software solutions with the latest tech trends in the market. We create digital wallets with intuitive user interfaces and reliable transfers, and seamless integration of gateways like Stripe and PayPal POS.
Investment Management
Uptech has developed investment management apps, including those for green investing, with features such as Assets Under Management tracking, profit insights, and more. We can also include AI features like robo-advisors for portfolio management.
P2P Lending
With a P2P lending app, you provide borrowers and lenders a convenient platform to transact. Think of features like integrated payment methods, credit scoring, and KYC services—all while we ensure the platform meets data privacy and security standards.
Fintech Solution Development Process
01
Discovery & Consultation
Our fintech software services begin with interviews to understand your ideas, needs, and goals. We’ll help refine your vision, conduct discovery to uncover opportunities, outline your project scope, and better understand your audience. If you already have an existing app, we can review it and provide recommendations for transformation.
02
Planning
Based on the insights gathered during discovery, we create a tailored plan for your app that aligns with your budget, timeline, and vision. Our team will prioritize core features, plan necessary integrations, and choose the right tech stack for development. We also define the scope of your MVP at this stage.
03
UX/UI Design
With the results from user interviews, our design team creates wireframes and prototypes to map out your app’s content and key elements. We then conduct usability testing with early users, gather feedback to address any issues, and refine the design for an optimal user experience. A customer journey map guides the process of strategic user interaction planning.
04
Development
At this stage, we dive into the technical aspects of fintech software development. Our skilled software engineers build the backend infrastructure, including the database, cloud computing capabilities, security measures, and AI integrations. Our fintech software developers then seamlessly integrate these elements with the front end to complete your app.
05
Quality Assurance
Our quality assurance team continuously tests individual tickets during development and performs regression testing at the end of each sprint. We conduct unit and integration tests to ensure every component functions seamlessly and the system runs smoothly. Security is maintained through secure coding practices and regular code reviews.
06
Launch and Support
We perform final checks and prepare your fintech solution for launch. During deployment, our team ensures the new code is released and fully integrated with your existing tech stack and data sources. As part of software development for fintech, we remain on standby post-launch to address any issues that may arise and provide support.
Tools & Integrations
Security
Payment Infrastructure
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Analytics and Reporting
Frontend / Mobile
SaaS
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Regulations & Certifications
We work with a wide range of global, EU, and US financial regulations and certifications to help you build solutions that are secure, trustworthy, and fully compliant in every market you operate.
EU
PSD2 – Revised Payment Services Directive
GDPR – General Data Protection Regulation
AMLD – EU Anti-Money Laundering Directives
EMD2 – E-Money Directive
MiCA – Markets in Crypto-Assets Regulation
SEPA – Single Euro Payments Area
DORA – Digital Operational Resilience Act
USA
Bank Secrecy Act (BSA) & USA PATRIOT Act
GLBA – Gramm-Leach-Bliley Act
CFPB Regulations
SEC Regulations
State-Level Licensing Laws
FFIEC Cybersecurity Guidelines
FINRA Rules
Global
PCI DSS – Payment Card Industry Data Security Standard
ISO 27001, SOC 2
AML/CTF requirements
Choose Your Engagement Model
Dedicated Fintech Development Team
Partner with a dedicated team of fintech experts who focus solely on your product. This model is ideal for long-term fintech projects requiring continuous innovation, domain expertise, and strict compliance with financial regulations.
Pricing Model
Time & Material (T&M) with an option for a monthly retainer to ensure predictable costs and dedicated resources.
Request a team
Request a team
Team
Extension
Reinforce your internal team with vetted fintech developers, designers, or QA specialists. Perfect for scaling fast, adding niche fintech skills, or accelerating delivery under tight compliance constraints.
Pricing Model
Hourly rate based on role complexity and duration of collaboration.
Request a team
Request a team
Fintech Project-based Model
Let us take full ownership of your fintech solution from planning to launch. This model works best when your project has clearly defined goals, budget, and a fixed timeline.
Pricing Model
Fixed-price for defined scope or T&M if the scope may evolve.
Request a team
Request a team
Related Content from Uptech Blog
FAQ
Answers to common questions about our fintech software development services and how we help you build secure, scalable products.
Is Uptech a Fintech Software Development Company?
Yes, Uptech is a fintech software development company with extensive experience in building secure, scalable, and user-centric financial applications. We’ve helped launch neobanks, digital payment systems, insurtech platforms, and investment tools used by millions worldwide.
Can you help with MVP development for fintech startups?
Yes, we offer fast and focused MVP development to validate your fintech idea, reduce time-to-market, and attract early users or investors.
How do you ensure compliance with fintech regulations?
Compliance is built into our development workflow. We follow international and regional regulations such as GDPR, PSD2, AML, KYC, and PCI-DSS, and we work with tools and platforms that are fully vetted for financial compliance.
Can you help modernize or scale an existing fintech product?
Yes, we specialize in transforming existing fintech applications. Whether you need to upgrade the UI/UX, improve performance, migrate to a more scalable infrastructure, or add new features—we can guide and implement a full transformation plan.
What technologies do you use in fintech software development?
We work with modern tech stacks like React, Node.js, Kotlin, Swift, and integrate tools for AI, analytics, and secure payment processing to match your fintech product needs.
Do you provide post-launch support as part of your fintech development services?
Yes, our fintech development services include comprehensive post-launch support—covering performance monitoring, bug fixing, security updates, feature enhancements, and user feedback integration. We help ensure your product evolves in step with user needs, compliance changes, and new technologies.
Want to Accelerate Your Fintech Project?
Get your free project estimate today.
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