Financial software regulators and customers can both trust.
We design, build, and rank fintech software for banks, NBFCs, payment companies, and lending platforms. Payments, compliance, and customer data in one system — engineered from day one to be found by the customers searching for a platform like yours.
The problems fintech teams bring us.
Almost every engagement starts in the left column. The right column is what we build instead.
Legacy core systems that are slow to update and expensive to maintain, with every change carrying real risk.
Modern, API-first cores that integrate with your existing banking and payment rails, without a disruptive rip-and-replace.
Manual KYC and onboarding that delays customer activation and burns staff time on document review.
Automated KYC and onboarding workflows with document verification, cutting activation time from days to minutes.
Data fragmented across payment gateways, ledgers, and CRM tools, so nobody has one reliable number.
A centralised ledger and reconciliation layer across every payment channel, giving you one source of truth.
Compliance and audit reporting handled through spreadsheets and email trails that do not hold up under scrutiny.
Built-in audit trails and compliance reporting mapped to your regulatory framework from day one.
Limited visibility into transaction failures, fraud signals, and reconciliation gaps until they become a real problem.
Real-time dashboards for transactions, fraud alerts, and settlement status, so issues surface while they are still small.
A platform invisible to the customers and partners searching for exactly this capability.
A platform and site engineered to rank for the searches your customers actually make, and structured to be cited by AI answer engines.
What we build for fintech platforms.
Tailored to your business model, whether that is lending, payments, wealth management, or banking infrastructure. Most engagements combine three or four of these.
The site, content, and technical SEO that put your platform in front of customers researching a financial partner — and inside the answers AI assistants give them.
- —Technical SEO engineered into the build
- —Structured data for AI answer engines
- —Trust and compliance content written to be cited
Account management, ledger, and transaction processing built or modernised for reliability and audit readiness.
Payment infrastructure handling multiple methods, currencies, and settlement flows without downtime.
Loan origination, underwriting, disbursement, and collections automated with configurable workflows per product.
Identity verification, watchlist screening, and compliance reporting automated, cutting manual review time and audit risk.
Account creation, card issuance, transaction history, and spend controls built to launch and scale a wallet or neobank product.
Portfolio tracking, trade execution, and reporting for clients and advisors, with role-based access per user type.
Real-time transaction monitoring and configurable risk rules that cut fraud losses without adding friction for legitimate users.
Policy issuance, claims processing, and underwriting workflows in one system, cutting turnaround time and manual paperwork.
Transaction volumes, customer growth, and revenue tracked through dashboards built for finance, product, and compliance teams.
Secure, documented APIs connecting your platform to banks, credit bureaus, and payment processors.
Existing fintech infrastructure moved to secure cloud environments, improving uptime and integration speed without disrupting live operations.
Who this is for.
We build for banks, NBFCs, payment companies, and fintech startups moving from manual operations or legacy systems to modern digital infrastructure.
Modernised core systems and customer-facing platforms without the risk of a full-scale legacy replacement.
Payment orchestration, gateway integration, and settlement systems built to handle high transaction volumes.
Loan origination and management systems that automate underwriting and collections, replacing spreadsheet tracking.
Portfolio and advisory platforms giving clients self-service access while keeping advisors in control of compliance and reporting.
Systems to manage policies, claims, and underwriting in one place, reducing processing time and manual errors.
A platform built to launch fast and scale, with account management, compliance, and payments handled from day one.
Trust nobody finds is trust nobody builds.
In regulated finance, customers research a platform before they hand over money. Search and AI visibility is a first-class discipline here, engineered from day one rather than bolted on after launch.
- 01Engineered for search from day one
- Site architecture, page speed, and semantic structure are design decisions we make before the first screen is drawn, not fixes applied once rankings disappoint.
- 02Structured for AI answer engines
- Products, compliance credentials, and FAQs are marked up as structured data and written as extractable, factual statements, so ChatGPT, Perplexity, and Google AI Overviews can cite you accurately.
- 03Trust content that compounds
- Compliance, security, and product pages built as a content system rather than one-off pages, so organic reach grows with your credibility instead of flattening.
- 04Measured after launch
- Rankings, citations, and inbound customer enquiries are tracked as platform metrics, and we keep working on them as part of ongoing support.
Want to see what this looks like for your platform?
A free consultation covers your current systems, the quick wins, and a scoped estimate.
What fintech software costs to build.
Indicative pricing for custom fintech software. Cost moves with regulatory requirements and integrations such as payment gateways, banking cores, and credit bureaus, since compliance and security work adds significant engineering effort.
A single-product MVP — a basic lending tool, a simple digital wallet, or an internal compliance workflow with limited integrations.
Multi-user systems with payment processing, workflow automation, dashboards, and integrations such as KYC providers or credit bureaus.
Large-scale platforms with high transaction volumes, real-time fraud detection, multi-currency support, and deep banking integrations.
These ranges reflect average fintech development costs classified by platform capability. Your number depends on regulatory scope and integration count. We give you a scoped figure after discovery, not before it.
How we build fintech software.
Before any architecture discussion, we map which licences apply, which data residency rules govern your users, and which vendor relationships we design around.
The stack we build fintech platforms on.
- Frontend
- ReactNext.jsTypeScriptReact Native
- Backend
- Node.jsNestJSJava/SpringGo
- Data
- PostgreSQLKafkaRedis
- Payments & Banking
- ISO 20022UPI/NPCIStripe/RazorpayPlaid
- Cloud & Security
- AWSHSM/KMSDockerTerraform
- Compliance
- KYC/AML providersCredit bureau APIsOkta
Platforms built around open APIs from the start, so connecting the next bank, bureau, or processor is configuration, not custom integration work.
Built on instant settlement rails with standardised messaging, so cross-border and cross-institution payments reconcile faster.
Payments, KYC, and ledger built as independent services, so any one part can scale or be replaced without re-architecting the platform.
Why fintech teams choose us.
We understand how reconciliation, settlement, and underwriting actually work, so we build around your real financial logic, not a generic template.
The evidence trail — logging, documentation, access records — is built from the start, so it holds up when compliance or a regulator asks for it.
Our founders have shipped more than 50 products and web apps end-to-end across India, the UAE, and the UK — including systems built for edge cases and failure states, not just the happy path.
You see the full development process, not a status report, so there are no surprises about scope, timeline, or what is actually shipping.
Every flow, from onboarding to a failed transaction, is designed to be unambiguous about what happened and what to do next.
Lifetime support is the default engagement here, not an upsell. Regulations shift; we adapt the platform rather than handing it off and disappearing.
What changes after the build.
Manual, paper-based KYC
Automated identity verification and faster activation
Scattered across systems
Centralised ledger with real-time reconciliation
Manual and delayed
Automated audit trails and compliance reports
Reactive, after the fact
Real-time transaction monitoring and alerts
Invisible to customers researching a platform
Indexed, structured, and cited where customers are actually looking
Build fintech software that stays compliant and scales.
A free consultation gets you an analysis of your current systems and workflows, the quick-win opportunities, a clear project scope and timeline, and transparent pricing for your specific needs.
Fintech software development — common questions.
How much does custom fintech software development cost?
Custom fintech software typically costs between $50,000 for a focused MVP and $800,000 or more for an enterprise-grade platform. Cost depends mainly on feature and integration count and how much compliance and security work is required.
How long does it take to build a fintech platform?
Typically three to six months for an MVP and up to twelve months or more for a full-featured platform. Timelines stretch with multiple regulatory jurisdictions or extensive security testing.
What is the difference between custom fintech software and off-the-shelf tools?
Off-the-shelf tools get you running faster but limit how far you can adapt the product. Custom software takes longer to build but gives you full control over features, integrations, and data.
What should I look for when choosing a fintech software development partner?
A track record in regulated financial products, not just general software experience, plus real integration experience with banking and payment systems and a clear approach to security testing and post-launch support.
Is it better to build fintech software in-house or with a development partner?
Most companies outside large financial institutions find it faster and lower-risk to work with an experienced partner, since fintech-specific compliance and security knowledge takes years to build internally.
What does a fintech software development process typically include?
Discovery and regulatory scoping, architecture and security design, development, compliance and security testing, and a phased launch, followed by ongoing support.
What determines whether a project falls into the MVP, mid-level, or enterprise tier?
How many features and integrations the platform needs, how many currencies or regions it supports, and how much compliance and security work is required.
How is fintech software kept secure and compliant?
Through encryption, role-based access controls, audit logging, and regular security testing, built around the regulations relevant to your market and product type.
Do you handle search visibility for fintech platforms?
Yes, and it is engineered in from day one rather than added after launch. That covers technical SEO, structured data so AI answer engines can cite your platform accurately, and trust and compliance content built as a system.
Does Devarithm provide support after the platform is launched?
Yes. Lifetime support is the default engagement here rather than an upsell — ongoing monitoring, performance optimisation, feature enhancements, and compliance updates as regulations evolve.