Banking, payments, lending, and trading apps built with compliance such as PCI DSS, KYC/AML, and PSD2 integrated from day one, not being added before launch.

Besides,&nbsp;McKinsey expects fintech revenues to grow roughly three times faster than traditional banks between 2022 and 2028. Those numbers are the opportunity, but also the pressure. A fintech product has to be fast and friendly on the surface, and airtight underneath.
Fintech model at Relia Software is simple: low cost, low risk. You get a senior team, a clear scope, and a build that passes audit the first time.
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<h2>Money Moves Through Apps Now!</h2>

Fintech global user base was estimated at over three billion in 2025.

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Neobank apps, digital account opening, card management, and core-banking integrations. We build onboarding flows that pass KYC without making people quit halfway, and backends that stay up when transaction volume spikes.

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Digital & Mobile Banking

Wallets, peer-to-peer transfers, QR and contactless payments, and gateway integrations with providers like Stripe, PayPal, and Adyen. Payments make up more than 45% of all fintech revenue, so we treat reliability and settlement accuracy as non-negotiable, not nice-to-have.

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Payments & Digital Wallets

Loan origination, underwriting workflows, BNPL, and repayment management. We connect the credit-decisioning logic, the data sources, and the compliance checks into one flow that's quick for the borrower and defensible for you.

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Lending & Credit Platforms

Brokerage apps, robo-advisors, micro-investing, and portfolio tracking. Real-time data, low latency, and clean charts matter here, and so does making a regulated product feel simple enough that first-time investors stick around.

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Trading & Investment Apps

Digital policy management, claims automation, and quote engines that cut the paperwork and speed up payouts.

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Insurtech

In fintech, compliance shapes the architecture from the first sprint. We build to the standards your product and markets require, and we document it so audits go smoothly.

PCI DSS is used for anything that touches card data. We scope your environment to reduce what falls in range, then build to the controls that apply.

PCI DSS

Use KYC / AML to identity verification, sanctions and PEP screening, and transaction monitoring, wired into onboarding and ongoing use.

KYC / AML

Sstrong customer authentication and secure API access for European and UK markets.

PSD2 & Open Banking

SOC 2 is the controls and evidence trail enterprise buyers ask for before they'll sign.

SOC 2

Data minimization, consent, encryption in transit and at rest, and sensible data residency.

GDPR & Data Protection

We pin down the problem, the users, the regulations in play, and what "done" looks like for your MVP. You leave with a scope, a timeline, and a cost you can plan around.

Discovery

We create wireframes and prototypes, tested with real users. Financial products live or die on trust and clarity, so we design for both.

UX & Product Design

We choose the stack, map data flows, and design the security and compliance controls before the build starts.

Architecture & Security Planning

Senior engineers build in short cycles. You see working software every sprint, not a big reveal at the end.

Development

Penetration testing, code review, and QA against real financial edge cases like failed payments, retries, reconciliation, fraud attempts.

Security Testing & QA

App store submission, infrastructure setup, and a monitored rollout.

Launch

We stay on to fix, tune, and add what your users and regulators ask for next.

Support & Iteration

Over a decade building web and mobile products, with a track record you can check on Clutch.

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15+ Years of Experience

We've shipped products that had to clear real financial audits.

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Security-First

Senior talent and a cost structure that lets you build more for less, the low-cost, low-risk approach we're known for.

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Affordable Costs

Fixed-scope builds, dedicated teams, or staff augmentation to extend your own engineers. You pick what fits.

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Flexible Engagement

Strategy, design, build, QA, launch, and long-term support under one roof.

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Full Cycle

<h2>Why Relia for Fintech?</h2>

Bakkt needed an offshore team that could support several live fintech products. Relia built: LoyaltyPay and Fraud detection.
The result: a 40% cut in total solution cost, with continuous integration and zero-downtime production support.

Finch App - Bakkt's Fintech and Loyalty Technology Project

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Bakkt

A credit-card rewards engine that pays for itself
Uthrive needed a platform that could read a user's real spending and tell them exactly which card to use.
The result: the platform supported 1,000+ active users at peak across 9+ integrated services, delivered to the client in February 2025.

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Uthrive

It depends on scope, platforms, and how much compliance work is involved. A focused MVP costs far less than a full multi-market platform. We give you a clear, itemized estimate after a short discovery call, no vague ranges.

How much does it cost to build a fintech app?

Most MVPs land in the 3-to-6-month range, depending on features and integrations. We define exactly what's in your first release during discovery so the timeline is realistic, not optimistic.

How long does it take to build a fintech MVP?

We map which regulations apply to your product and markets before development, then build the controls in from the start, whatever fits. We also keep the documentation auditors will ask for.

How do you make sure the app is compliant?

Yes. We work with payment gateways, core-banking systems, and third-party APIs (Stripe, Plaid, Adyen, and direct bank integrations), and we handle the security around those connections.

Can you integrate with our existing banking or payment systems?

Yes, native for both, or cross-platform with Flutter or React Native when that's the better fit for your budget and timeline. We'll recommend the right approach for your product.

Do you build for both iOS and Android?

Tell us what you're working on. We'll map the scope, the compliance, and a realistic cost through a free 30-minute call, with no pressure to commit.

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<h2>Ready to Build?</h2>

Fintech App Development Company

Relia Software builds secure, compliant fintech apps like banking, payments, lending, and trading with PCI DSS, KYC/AML, and PSD2 handled from day one.

Fintech App Development Company

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