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Fintech Software Development Services

Q: What types of fintech platforms do you build?

We build digital wallets, lending systems, payment gateways, core banking software solutions, wealthtech apps, KYC/AML automation tools, and embedded finance products, among many. Whether you’re launching a neobank, embedding finance into your SaaS, or modernizing an outdated core system, our teams handle both customer-facing apps and backend engines. We customize the solution to your business model, regulatory region, and growth goals.

Q: How do you ensure compliance with PCI-DSS, GDPR, or local finance laws?

Our compliance-first engineering process for custom fintech software solutions embeds region-specific standards like PCI-DSS, GDPR, SOC 2, and local regulatory mandates (e.g., RBI, SAMA, MAS). Every measure we take, including encryption, audit trails, consent workflows, and secure data storage practices, is validated through internal audits and partner certifications where required.

Q: What is your approach to security in fintech application development?

Security is integrated at every stage, from threat modeling during design to secure SDLC, code reviews, encryption standards (AES-256, TLS 1.2+), and DevSecOps implementation. We also support multi-factor authentication, anomaly detection, and data isolation based on region-specific compliance laws and risk profiles. We make sure nothing sensitive moves without being encrypted, nothing suspicious runs without being flagged, and nothing gets deployed without passing security gates.

Q: How fast can you deliver an MVP for a fintech product?

We typically deliver MVPs in around 4-8 weeks, about 40-50% faster than most teams. That’s because we don't start from scratch. We reuse pre-verified integrations for payments, KYC, and compliance. You get a working, demo-ready fintech product that’s stable enough to show investors, regulators, or early customers without having to spend months piecing together fragmented systems.

Q: Do you provide post-launch support and scaling assistance for fintech platforms?

Yes. We offer long-term support that covers maintenance, optimization, performance tuning, and feature enhancements. As your user base grows, we help you scale infrastructure, expand globally, and stay compliant with new regulations. It’s the same team that built your platform; hence every update is faster and always aligned with your architecture and business roadmap.

Q: Why should we choose your team over traditional offshore vendors?

Unlike generic offshore vendors, our specialization is in regulated fintech engineering. We handle everything under one roof, from strategy and design to development, compliance, security, launch, and scaling. We’ve delivered 250+ fintech products across the US, EU, India, UAE, and Southeast Asia, and our frameworks, pre-built integrations, and compliance automation mean your time-to-market is shorter, risk is lower, and the end product is solid, secure, and ready to scale.

Build secure, regulatory-compliant fintech software for banks and financial institutions with AI-ready performance.

We develop modern fintech platforms with AI-enhanced, regulation-ready architectures and cloud-native financial systems, trusted by 3000+ clients and backed by 25+ years of product engineering expertise. Our fintech software team helps banks and fintech startups secure transactions, automate compliance, prevent fraud, and scale digital products in alignment with PCI DSS, ISO 27001, and SOC 2 compliance requirements.

Consult with Fintech Experts

Fintech Challenges We Solve

Regulatory Complexity Across Markets

Fintech platforms need to meet different regulatory requirements like PCI-DSS audits, GDPR data residency, and regional standards (PDPA, MAS TRM). As products scale or organizations approach compliance later in development, it leads to heavy rework and audit risks. 70% of fintech startups miss deadlines due to regulatory rework costing $50K-$200K extra.

At Radixweb, our engineers enable zero post-launch remediation and allow fintech providers to expand into new markets by addressing regulatory expectations during system planning. Our team builds compliance-first fintech system architectures with a 100% audit pass rate. We also embed compliance verification into CI/CD pipelines, so that every code commit is automatically checked against PCI-DSS, SOC2, and region-specific standards.

Security Risks in High-Volume Financial Systems

Fintech software handles sensitive financial data and high-value transactions that attract sophisticated attacks (fraud, data breaches, API exploits, and account takeover). Access permissions, data transfers, or vendor integrations often expose weak points only in production-like load. A single breach can trigger regulatory penalties exceeding $10M, immediate audit scrutiny, and incident recovery cycles that stretch for months.

To address fintech security issues, we design software systems using security-first, zero-trust principles. This includes encryption at rest/in transit (AES-256), AI-powered anomaly detection, automated threat response, and SOC2 Type II certified infrastructure with 24/7 monitoring.

Legacy Infrastructure and Integration Bottlenecks

Legacy fintech platforms run on monolithic architectures and lack standardized APIs and integration capabilities to connect with modern payment processors, identity services, or cloud data layers. Adding a new functionality takes 10+ weeks, while new compliance standards (PSD2, GDPR, PDPA) trigger months of rework and create 8-10% operational overhead.

We modernize fintech platforms using modular, API-first architectures. Our teams decouple legacy systems, introduce event-driven workflows, and build integration layers that support change without disruption. This allows fintech providers to roll out new services faster while keeping critical financial systems stable and interoperable.

Scaling Products Without Compromising Performance

Fintech systems must hit near-zero downtime as it costs millions in lost transactions and regulatory liability. Traditional scaling (adding servers) creates bottlenecks where databases become single points of failure. Systems not built to stretch during high traffic/uneven loads fail and cause outages, reconciliations, and support escalations.

Our fintech products with multi-region cloud architecture with automated failover deliver 99.99% SLA without manual intervention. We enable real-time monitoring that detects issues in seconds and automated rollback that prevents cascading failures for fintech providers to maintain stable performance and consistent service availability.

Our Custom Fintech Software Development Services

Fintech Consulting & Product Strategy

Radixweb’s fintech consultants deliver MVP roadmaps, go-to-market strategies, and regulatory alignment for neobanks, payment platforms, and lending apps. We analyze market gaps, define core features, architectural choices, and compliance requirements (PSD2, GDPR, PCI-DSS, FCA, APRA/CDR). Product strategy includes user journey mapping, revenue model optimization, and 8-12 week launch timelines.

Custom Fintech Software Development

We build custom fintech products, including digital wallets, payment gateways, lending/BNPL software, investor and trading platforms, core banking apps, and identity verification systems. Radixweb provides dedicated full-time fintech engineering teams for end-to-end development, from requirements gathering and fintech MVP development to UI/UX design, development, testing, deployment, and 12-month production support.

Fintech Modernization & Re-Architecture

We modernize legacy fintech and financial software using cloud-native migration strategies. Our phased 3-12 month migrations help fintech teams maintain revenue while cutting infrastructure costs 60-70% and supporting PCI-DSS, SOC2 compliance. Our modernization solutions improve performance, enhance integration capacity, and lower maintenance costs for regulated banking, payments, lending, and investment systems.

Fintech Software Integration

We design and implement integration layers to connect fintech platforms with core banking systems, payment processors, KYC/AML vendors, Open Banking APIs, card networks, and ISO 20022 or SWIFT rails. Using best-in-class integration tools, we enable real-time transaction flows, automated compliance checks, and unified customer data across systems for frictionless service connectivity across 20+ providers.

Compliance, Security & Audit Engineering

Our fintech compliance engineering solutions embed PCI-DSS tokenization, SOC2 controls, GDPR consent management, and PDPA data residency into CI/CD pipelines. We provide continuous security testing (SAST/DAST) and penetration test cycles to reduce audit remediation work. Radixweb’s fintech security measures include AES-256 encryption, HashiCorp Vault secret management, OWASP scanning, and 99.99% uptime SLAs across multi-region cloud deployments.

Data, AI & ML for Fintech

Build and operationalize AI-powered data pipelines and ML models for fraud detection, credit decisioning, transaction risk scoring, user behavior analytics, and financial reporting. Our fintech software development services include AI-driven recommendation engines, LTV modeling, and custom portfolio analytics integrated with payment, lending, and compliance data for sub-second financial insights and automated decisioning.

Enterprise FinTech Systems We Build for Global Financial Services

Digital Banking & Wallets

We build digital banking software that delivers frictionless customer experiences with real-time account management, multi-currency support, and regulated customer data. Enable faster onboarding, biometric authentication, and personalized financial insights that drive retention and revenue growth for fintech companies, SME banking firms, and credit unions.

Mobile Banking Apps
Core Banking Modernization
Digital Wallets
Internet Banking Portals
Customer Onboarding Platforms
Account & Ledger Management Systems

Payments and Money Movement

Radixweb’s fintech engineering team delivers payment software development and payment gateway integration for card networks, PSPs, SEPA, SWIFT, and regional bank transfer rails. Grow transaction volume, improve merchant satisfaction, and expand globally with reliable money movement that scales with your business.

Payment Gateways
Payment Orchestration Platforms
Cross-Border Payment Systems
Merchant Payout Systems
Instant P2P Platforms
Settlement & Reconciliation Engines

Lending & Credit Platforms

We build software systems for lending and credit companies that support underwriting engines, bureau data connectors, collateral evidence capture, automated underwriting, and repayment automation. Let us help you improve reliability for consumer, merchant, SME, and credit-line products and grow revenue without increasing operational headcount.

Loan Origination Platforms
Loan Management Platforms
BNPL Software
Credit Scoring Apps
Collections and Repayment Systems
Collateral and Credit-Line Lifecycle Tools

Trading, Wealth & Investment Platforms

Develop trading platforms and wealth management software for retail and institutional fintech products. Our platforms support order management (OMS), portfolio accounting, FIX protocol connectivity, and real-time market data feeds. Launch compliant investment platforms that attract more assets under management and increase recurring revenue streams.

Order Management System (OMS)
Portfolio and Investor Portals
Brokerage Platforms,
Multi-Asset Trading Apps
Robo-Advisory Platforms
Client Advisory Portals

InsurTech Platforms

Our financial tech experts build InsurTech software systems that help insurers and fintech product teams optimize policy lifecycles, claims intake, case routing, and adjudication. Digital policy management increases policy attachment rates and improves customer satisfaction. We help you grow insurance distribution revenue through easy integration into eCommerce, SaaS, and partner ecosystems.

Policy Administration Software
Rating & Premium Engines
Broker Portals
Claims Automation Systems
Underwriting Workflow Tools
Quote & Bind Portals

KYC, AML & RegTech Software

KYC/AML platforms built by our fintech developers cut 50% of onboarding costs with instant verification. Automated compliance reduces regulatory fines risk while transaction monitoring prevents fraud losses. Scale customer acquisition with platforms designed to stay compliant across regions and handle growth without compliance bottlenecks.

KYC Onboarding System
AML Transaction Monitoring Software
Sanctions and PEP Screening Platform
Regulatory Reporting System
Identity Verification Tool
Audit Log and Compliance Evidence Export Tool

Fraud, Risk & Decision Intelligence System

We design and build fraud prevention software systems that save 3-5x investment costs by catching threats and vulnerabilities before losses occur. By implementing AI-powered risk intelligence, we help fintech teams reduce false declines that hurt customer experience. Our decision engines optimize pricing, collections, and retention across payments and lending.

Real-Time Fraud Detection System
Behavioral Risk Analytics
Credit Decision Engine
Churn Prediction Engine
Decision Intelligence Platform
Transaction Risk Scoring Tool

Embedded Finance & BaaS

Our embedded finance and BaaS solutions help fintech companies, banks, insurers, and enterprises generate 20-30% new revenue streams for global product rollouts by powering payments, lending, and cards within partner platforms. We help you reduce partner acquisition costs and expand into new markets through Banking-as-a-Service integration.

BaaS API Platforms
Virtual Card Issuance Tools
Embedded Payments SDKs
Merchant Lending and Credit APIs
Wallet-as-a-Service Platforms
Partner Sandbox and Onboarding Gateways

Treasury & Core Finance Platforms

Build treasury platforms with our fintech software engineers to improve cash visibility with real-time liquidity forecasting and automated reconciliation. Our core finance systems streamline revenue recognition, financial reporting, and multi-bank consolidation. Reduce finance team headcounts and gain accurate insights that drive better business decisions and investor confidence.

Treasury Management System (TMS)
Liquidity and Cash-Position Ledgers
Core Accounting Ledger
Payment Reconciliation Engine
Cash and Liquidity Forecasting Platform
Financial Consolidation System

About Radixweb

A Fintech Software Development Company Trusted by CFOs and CTOs

Radixweb is a trusted fintech software development company delivering 98% client satisfaction through scalable, AI-powered financial solutions. With 25+ years of experience, Radixweb helps fintech enterprises reduce time-to-market by up to 40%, enhance security, and ensure 100% regulatory compliance.

Fintech Software Experts for Enterprises

4.2K

Projects Delivered Across Global Enterprise Programs

650+

Full-Time, Certified Product Consultants & Engineers

2.75x

Higher Project Success Rate vs. Industry Average

8/10

Times Recommended for On-Time, On-Budget Deliverables

Our Fintech Success Stories

FinTech Website Redevelopment to Manage Licensing and Enhance Contact and Document Management

Our employees are happy with the software, and productivity is much higher. My colleagues all tell me that they're just blown away by how much information is available at their fingertips and so quickly.

Jana B.

MIS Director

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Developing a Web Portal and a Customer-Facing Mobile App to Improve CX for a Trading and Investment Firm

Radixweb offered us our desired services at really affordable rates than others in the market. They optimized our portal so well that our clients often tell us that they found out about our services through the website.

Salem

Head of Marketing

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Security and Compliance Standards We Follow for Global FinTech Delivery

Payment and Transaction

PCI-DSS - for storing, processing, or transmitting cardholder data through card networks or PSPs.
ISO 20022 - for payment instructions, settlement communication, and reconciliation in payment rails.
SWIFT Standards - for cross-border interbank payments and treasury messaging.
EMVCo Tokenization Framework - to secure card transactions via network tokenization.

Data Privacy & Regional Protection

GDPR – for personal data processing, consent, data minimization, and user rights.
UK FCA Regulatory Expectations - for customer data protection, risk reporting, and audit trails.
Australia CDR - for Open Banking and data sharing.
APRA Security Guidelines - for regulated financial services operating on cloud or distributed infrastructure.
EU PSD2 - governs authentication, transaction evidence, and secure API access.

Institutional/Enterprise Risk & Audit

SOC 2 - to validate security controls, uptime, monitoring, and incident handling.
ISO 27001 - for data security, internal access, encryption, incident review, and secure SDLC
NIST Cybersecurity Framework - for risk and control design in U.S. fintech and banking environments.
FFIEC - for third-party vendor risk reviews.
SAST/DAST Security Testing - to detect vulnerabilities before production.

Identity, Verification & Monitoring

KYC - for identity verification, liveness, and document evidence capture.
AML – for transaction monitoring, anomaly scoring, SAR evidence logs.
OFAC/PEP/Sanctions Screening - for user onboarding and transaction risk reviews.
Financial Logging and Evidence Generation – for transaction trails, identity logs, and reconciliation proofs.

Our FinTech Lifecycle and Delivery Model

Discovery & Planning

Define goals, analyze risk and compliance gap

Design & Prototyping

Create user journeys, wireframes, MVP specs

Development & Integration

Create features, add partners and system proofs

Testing & Compliance

Security audits, user testing, regulatory checks

Launch & Optimization

Go-live support and performance monitoring

FinTech Software Projects Delivered by Radixweb

Building a Scalable Digital Mortgage Platform for a Fast-Growing UK FinTech Lender

Challenges

Managing rapid growth while modernizing mortgage workflows, reducing processing time and underwriting effort, improving lending experience, and meeting compliance requirements.

Solutions

We reduced loan turnaround time by delivering a full-scale digital mortgage platform with automated workflows, applied OCR, cloud and blockchain infrastructure, and ML-powered risk scoring.

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Custom Loan Management System for Construction Company Improving Lending, Fund Management, and Field Inspection

Challenges

The client had a slow, manual loan tracking and risk assessment process for construction project funding. It lacked real-time aggregated data and accurate reconciliation.

Solutions

We developed a tailored loan management platform that processes large financial datasets across properties and creates real-time, shared project records and transaction history for all stakeholders.

View the Case Study

We Build Software for FinTech Enterprises of Every Scale

Radixweb delivers fintech software development services to financial institutions at every growth stage, from startups building their first digital wallet to enterprises expanding payment platforms globally. Whether you're launching an MVP to attract investors or enhancing platforms for millions of users, our fintech team builds compliant, high-impact software that grows with your business, maintains customer trust, and supports regulatory standards.

Retail Banks
Neobanks / Digital-Only Banks
Credit Unions & Cooperative Financial Groups
Payment Service Providers (PSPs)
Digital Wallet & Stored-Value Platform Companies
Lending Firms & Non-Bank Financial Lenders
BNPL (Buy Now Pay Later) Providers
InsurTech & Digital Insurance Carriers
WealthTech & Portfolio Management Companies
RegTech Compliance & Financial Crime Monitoring Platforms

Work with On‑Demand FinTech Engineers

Access a certified team of fintech‑trained developers, QA, and DevOps resources. Scale up or scale down monthly, no retainer lock‑ins.

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Visa

Mastercard

PayPal

Stripe

Adyen

Worldpay

Regional Compliance for Global Fintech Builds

USA and North America

For financial firms across North America, we build fintech systems following PCI-DSS for secure transactions, SOC 2 for auditing, and GLBA/FFIEC for risk control.

European Union

Our fintech platforms meet PSD2 and GDPR mandates for banks, lenders, and payment providers in the EU with secure and lawful data handling under EBA supervision.

United Kingdom

Our open banking systems for financial products in the UK market are compatible with UK GDPR compliance, FCA-aligned controls, and consent-based data sharing.

Southeast Asia

Compliant with MAS Technology Risk Management and PDPA, our fintech solutions meet strict regulatory requirements across Singapore and Southeast Asia.

Middle East & Africa

From UAE’s CBUAE to Saudi Arabia’s SAMA and South Africa’s POPIA, we build financial systems with localized compliance, fraud protection, and secure UX.

Global Rollouts

We implement ISO 27001 and ISO 9001-certified security practices and SOC 2-aligned controls for secure, multi-region cloud deployments for global fintech rollouts.

Radixweb as a Financial Software Engineering Partner

Our fintech software development services create digital financial solutions using AI, blockchain, and cloud to boost security, efficiency, and user experience. Since 2000, Radixweb has delivered 200+ solutions across lending, payments, and digital banking. Our cross-industry expertise helps businesses launch high-tech products in the fintech market.

On-Demand Developers Bench

We maintain delivery teams that can scale up or down depending on workload without new hiring delays. Projects are structured with go/no go criteria, delivery windows, and 24/7 support tiers for our clients to get up-to-date progress reports regardless of region or company size. You can keep budgeting predictable and execution timelines realistic.

Engineering Maturity from Multi-Region Work

Two decades of delivering financial software give us an extensive library of repeatable patterns. We have worked with fintech institutions operating in the US, EU, UK, the Middle East, Southeast Asia, and Australia. Each region’s compliance and infrastructure standards have refined our design standards, automation practices, and scalability models.

Delivery Speed Above Industry Average

Our fintech delivery model consistently outpaces the market. We deliver production-ready MVPs in nearly half the time of traditional development cycles. Using pre-verified compliance libraries, reusable integration templates, and agile workflows, we eliminate 40-50% of typical launch delays with minimal escalations after deployment.

Full-Stack Fintech Engineering Ownership

We don’t outsource our projects to other vendors. Every fintech solution is designed, built, integrated, and optimized in-house by our full-stack software engineering teams. We purposefully eliminate multi-vendor dependency risks, ensure accountability, and give clients complete transparency and control over their fintech product lifecycle.

Frequently Asked Questions

What types of fintech platforms do you build?

How do you ensure compliance with PCI-DSS, GDPR, or local finance laws?

What is your approach to security in fintech application development?

How fast can you deliver an MVP for a fintech product?

Do you provide post-launch support and scaling assistance for fintech platforms?

Why should we choose your team over traditional offshore vendors?

Talk to a FinTech Delivery Lead

Direct conversation, no sales filters. Discuss current architecture, compliance roadmap, and achievable timelines. Priority response within 48 business hours.

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