Mobile
Flutter
Build Android and iOS apps from one shared codebase, so you launch on both platforms faster with a consistent experience.
Used for
- Mobile apps
- Delivery apps
- E-commerce apps
- Booking apps
Fintech apps
Fintech app development for payments, lending, investing and insurance
Apps, back offices and partner integrations for financial products, built with audits in mind.
At a glance
The short version
What it is
Secure fintech apps and back offices for payments, lending, investments and insurance, integrated with licensed banking, KYC and data partners.
- What you get
- Customer app
- Operations console
- Core services
- How it works
- Customer app
- KYC partner
- Core services
- Operations console
- 1 more
- Runs on
- Android
- iOS
- Cross-platform
- Web app
- Admin
- Built with
- and 1 more tool
- Cost depends on
- Regulated integrations
- Ledger and reconciliation
- Security hardening and VAPT
Flutter and the related logo are trademarks of Google LLC. We are not endorsed by or affiliated with Google LLC.
How to start
Tell us what you need in your own words. You talk to the developers who would build it and get a written, line-item estimate.
Get a project estimateFrom product idea to partner-ready software
A fintech product in India usually depends on regulated partners: a bank or NBFC that holds the licence, a payment aggregator, KYC providers, credit bureaus and sometimes an Account Aggregator.
We design product flows with those constraints in view, build the apps and services, and assemble the evidence partners ask for, such as architecture documents, data flow diagrams and VAPT remediation reports.
Challenges
What makes fintech builds hard
Several partners, several sandboxes
Each bank, KYC and payment partner has its own API style, onboarding timeline and test data.
Money flows with edge cases
Timeouts, reversals and delayed webhooks must never leave balances wrong or payments duplicated.
Compliance that shapes UX
Consent screens, disclosures and KYC steps have to fit naturally into onboarding.
Trust on low-end devices
Security controls must hold on inexpensive Android phones without making the app unusable.
What is included
Fintech product components
Platform: Android and iOS app
Customer app
- Onboarding with KYC, consent and device binding
- UPI payments, AutoPay mandates and bill payments
- Loan, investment or policy journeys with clear disclosures
- Statements, alerts and grievance tracking
Platform: Admin dashboard
Operations console
- Maker-checker approvals for sensitive actions
- Customer view with masked personal data
- Dispute, refund and complaint workflows
Platform: Backend
Core services
- Double-entry ledger with idempotent APIs
- Rules engine for limits and fraud checks
- Reconciliation against partner and bank reports
How it works
How a customer onboards and transacts in a fintech app
Each step runs through your regulated partners and the rules your compliance team sets, including RBI guidelines and KYC requirements; the software applies those rules consistently and keeps a record.
- Customer app
Step 1: Sign-up and consent
The customer verifies their mobile number, the app is bound to the device, and consent and disclosure screens written with your compliance team are accepted.
- KYC partner
Step 2: KYC through licensed providers
Identity is verified by the method your partner's policy allows, such as Aadhaar eKYC, CKYC or Video KYC; full Aadhaar numbers are not stored.
- Customer app
Step 3: Core journey
The customer makes a UPI payment, sets up an AutoPay mandate, or starts a loan, investment or policy journey with clear disclosures.
- Core services
Step 4: Ledger and partner calls
Every money movement is written to a double-entry ledger, with idempotent calls to partner APIs so a retry never posts twice.
- Operations console
Step 5: Operations review
Sensitive actions and flagged transactions go to a maker-checker queue, and every action is logged.
- Finance team
Step 6: Daily reconciliation
Ledger totals are matched with bank and partner reports every day, and mismatches become exceptions for your team.
Platforms
Where customers and operations teams use the product
Customers use apps for Android and iOS or the web; operations and finance teams use a secured admin dashboard.
- Mobile
Android app
Apps for Android phones and tablets, tested on budget and mid-range devices and published on Google Play or privately.
- Mobile
iOS app
Apps for iPhone and iPad, built to Apple's guidelines and released through TestFlight and the App Store.
- Mobile
Cross-platform mobile app
One Flutter or React Native codebase for Android and iOS, with native modules where a feature needs them.
- Web
Web application
Browser-based applications with logins, roles and workflows, such as customer portals, SaaS products and internal tools.
- Back office
Admin dashboard
Back-office panels for operations, support and finance teams: orders, users, content, reports and permissions.
Technology
Technology we use for fintech apps, and why it matters
Chosen for exact money calculations, safe retries, audit-ready logs and hosting in Indian cloud regions.
Mobile
React Native
Build Android and iOS apps in the same language as a React website, so one team can share code and skills across web and mobile.
Used for
- Mobile apps
- Shopping apps
- Staff and field apps
- Mobile apps for SaaS
Backend
NestJS
A structured way to build back ends on Node.js, so large business systems stay organised, testable and easy to hand over.
Used for
- Business app back ends
- SaaS platforms
- Marketplaces
- Admin panel back ends
Data
PostgreSQL
A reliable database for the records your business runs on: orders, payments, bookings and stock, kept accurate and easy to report on.
Used for
- Orders and customers
- Payments and ledgers
- Stock and inventory
- Bookings
Data
Redis
Keeps frequently used data in fast memory, so apps stay quick on busy days and live features like order tracking feel instant.
Used for
- Faster apps
- Live order status
- Shopping carts
- Job queues and alerts
Cloud & DevOps
AWS
Cloud hosting for your app, website and data, with data centres in India and room to grow when traffic rises.
Used for
- App hosting
- File and photo storage
- Backups
- Busy sale days
Payments & maps
Razorpay
Lets customers in India pay by UPI, cards, netbanking or wallets, and handles subscriptions, refunds and payouts to sellers or partners.
Used for
- UPI payments
- Cards and netbanking
- Subscriptions
- Payment links
Flutter and the related logo are trademarks of Google LLC. We are not endorsed by or affiliated with Google LLC.
Integrations
Financial infrastructure we integrate
Payments
Payment aggregators (Razorpay, Cashfree, PayU)
Collections, payouts, refunds and settlements.
Mandates
UPI AutoPay and e-NACH
Recurring debits through a sponsor bank or aggregator.
Data
Account Aggregator framework
Consent-based sharing of bank statements and financial data.
KYC
CKYC registry and Video KYC providers
Record search and download, and video-based identification.
Credit
Credit bureaus
Reports from TransUnion CIBIL, Experian, Equifax and CRIF High Mark through your membership.
Bill payments
Bharat Connect (BBPS)
Bill fetch and payment through an operating unit.
Investments
BSE StAR MF or NSE NMF II
Mutual fund transactions for registered distributors.
Privacy & security
Security, KYC and compliance considerations
KYC through licensed providers
Aadhaar eKYC, Video KYC and CKYC run through licensed entities under your partner's policy; full Aadhaar numbers are not stored.
Regulatory ownership stays with you
RBI digital lending guidelines, PPI licensing and payment aggregator rules are owned by your compliance team; we build and document the controls they specify.
Encryption and data residency
TLS in transit, encryption at rest, field-level encryption for identifiers, managed keys, and hosting in Indian cloud regions in line with RBI's payment data storage requirement.
Audit logs and fraud checks
Tamper-evident logs of sensitive actions, velocity limits, device checks and review queues for suspicious activity.
Plain-English glossary
Fintech terms, in plain English
- KYC (know your customer)
- Verifying who a customer is before offering a financial service. Which KYC method and level apply is set by your regulated partner and compliance team under RBI rules; we build the flows they specify.
- Regulated entity
- The bank, NBFC or licensed payment company that holds the licence for a financial product. Many fintech apps are built by a product company working with one.
- Account Aggregator
- An RBI-regulated framework for sharing bank statements and other financial data with the customer's explicit consent, for a stated purpose and period.
- Idempotency
- A safeguard so the same payment request, if sent twice after a timeout, is processed only once. It prevents double debits and duplicate payouts.
- Maker-checker
- A control where one person prepares a sensitive change, such as a refund or a limit change, and a second person approves it. Both actions are logged.
- VAPT
- Vulnerability assessment and penetration testing: an independent security test most regulated partners require before launch. We fix the findings and support the retest.
Product preview
Onboarding, payment and back-office screens
Customer app. Customers see each KYC step and what is left; the method and checks follow your regulated partner's policy, and approval is never assumed. 
Customer app. Payments and mandates run through licensed partners, with a confirmation screen that shows the amount, payee and account before the customer approves. 
Operations console. Sensitive actions need a second approver, and every decision is logged, which is what partner banks and auditors look for. 
Finance dashboard. Finance sees each day's matching of ledger, gateway and bank records, with exceptions queued for review instead of found at month-end.
Illustrative preview
Sample screens: names, prices and figures are examples, not client data.
Cost drivers
Fintech build cost factors
Regulated integrations
Each partner adds sandbox work, certification steps and failure handling.
Ledger and reconciliation
Products that hold balances or split payments need a stronger core than simple collections.
Security hardening and VAPT
App protection, penetration test cycles and fixes are budgeted explicitly.
KYC journeys
Tiered KYC, Video KYC and fallbacks add screens and states.
Estimates are written from your scope, with the effort and assumptions behind each line item.
How pricing worksServices
Services involved
The disciplines a project like this draws on.
Mobile app development
Native and cross-platform Android and iOS apps, from first release through regular store updates, built by our in-house designers and engineers.
Web application development
Browser-based products, customer portals, dashboards and internal tools, built on clean data models with secure roles and integrations.
API development
Secure, documented REST and GraphQL APIs, plus integrations that connect your apps to payment, logistics, GST, messaging and business systems.
UI/UX design
Product design for web and mobile apps: research, user flows, wireframes, prototypes and design systems that engineers can build from.
Flutter development
Android and iOS apps from one Dart codebase, built by engineers who know when Flutter is the right call and when native code is needed.
React Native development
Android and iOS apps in React Native and TypeScript, suited to teams that already use React on the web and want shared logic across products.
FAQ
Frequently asked questions
Do you provide the licences needed to launch a fintech product?
No. We are a software development team. Licences and registrations, such as NBFC registration, PPI authorisation or payment aggregator approval, are held by you or your regulated partner, and decisions on regulatory scope sit with your compliance advisers. We provide software built to those requirements, documentation of how each control is implemented, and support during partner reviews and audits.
How do you approach security testing before launch?
Security runs through the build: threat modelling at design, mobile controls aligned with OWASP MASVS, dependency scanning and focused code review on sensitive modules. Before launch, most regulated partners require an independent vulnerability assessment and penetration test, commonly by a CERT-In empanelled auditor, which you commission. We fix the findings, document the remediation and support the retest.
Can the app use Account Aggregator data for underwriting or money management?
Yes, with the user's explicit consent. Your organisation or lending partner participates as a Financial Information User, often through a technology service provider that connects to licensed Account Aggregators. The app raises a consent request, the user approves it in their chosen AA app, and statement data arrives in a standard format. We then parse it for cash-flow analysis or budgeting, within the consent's purpose and duration.
What does a first fintech release typically include?
One core journey done properly: onboarding with KYC, the main transaction flow such as a loan application or payment, statements and notifications, and an operations console with maker-checker and audit logs. Partner integrations and security testing take significant time, so a first release typically needs four to six months. Rewards, advanced analytics and extra products follow once the core is stable.
Related
Keep exploring
Next step
Talk through your fintech product
Share the product, your regulated partner and target launch window, and we will map integrations and compliance touchpoints.