Skip to content
Codemites
Schedule a Call

Finance & Banking

Fintech software people can trust with their money

Mobile banking, lending workflows, payments and compliance tools for banks, lenders and fintech startups. Secure by design, and simple enough for a first-time account holder.

Work out what manual processing costs you
Financial adviser taking notes while talking with a client at her desk

Why it matters

For a lot of people, your app is the first bank they have ever had.

Think of a shopkeeper applying for a small loan to buy stock before the festival season. They fill in the form on a phone, upload a blurry ID and wait. A week later someone asks for the same document again. By then the season has started without them.

Finance is built on trust, and people judge trust by small things: whether the app explains a fee, whether a transfer confirms, whether anyone answers. Those details are software decisions, and they decide who stays with you.

Two men talking across a desk with a laptop and paperwork

The standards a financial product has to meet

Regulation varies by country and licence. We build the technical controls and work with your compliance team, who own the regulatory position.

PCI DSS
For card data: we keep as much as possible out of your systems through tokenisation, which shrinks the audit scope.
KYC and AML
Customer checks, monitoring and reporting flows designed around your regulator's rules.
SOC 2 and ISO 27001
We build the logging, access and change controls these audits ask for, so that evidence is easy to produce.
Data protection
GDPR and local rules on privacy and residency, including where backups and logs are kept.

What we build

Banking and fintech app development, built for audits and everyday users

We usually start where money or time leaks most, then build outward. These are the systems most often on the table.

  • Mobile banking and wallets

    Accounts, transfers, cards and statements with clear language, biometric login and support for low-end phones.

    Mobile Apps Development

  • Loan origination

    Applications, document capture, scoring rules and approvals in one flow, with an audit trail on every decision.

    Software Development

  • KYC and AML workflows

    Identity checks, sanctions screening and case management connected to the verification providers you choose.

    Software Development

  • Payments and core integration

    Gateways, UPI, card networks, open banking APIs and connectors for older core banking systems.

    Software Development

  • Fraud and risk analytics

    Rules and models that flag unusual activity early and explain why, so that analysts can make the call.

    AI Development

  • Reporting and reconciliation

    Automated ledgers, regulatory reports and dashboards that replace month-end spreadsheets.

    Software Development

How we run a fintech project

  1. Map the money

    We trace how funds and data move, including every failure and refund case.

  2. Threat model first

    We list who might attack it and how, before any screen is designed.

  3. Launch one product well

    One journey goes to real users under limits, with reconciliation running from day one.

  4. Harden and grow

    Penetration testing, monitoring and new products once the core has proved itself.

Finance & Banking: common questions

How much does it cost to build a fintech app?

It depends on licences, integrations and the number of products. A focused lending or wallet MVP costs much less than a full digital bank. Share your idea through the brief on this page and we will reply with an estimate.

Do you work with regulated banks or only startups?

Both. Banks usually need integration with existing core systems and strict change control, while startups need speed within compliance limits. We adapt the process to fit.

Can you integrate with our core banking system?

Yes, through its APIs where they exist, or through a dedicated integration layer for older systems, so that your new products are not tied to its limits.

How do you keep financial data secure?

Encryption in transit and at rest, least-privilege access, tokenised card data, full audit logs, dependency scanning and independent penetration testing before launch.

Can you add AI to credit or fraud decisions?

Yes, with care. We favour models whose decisions can be explained and keep a person responsible for adverse decisions, which regulators increasingly expect.

Who owns the code?

You do. The code, infrastructure accounts and documentation belong to your company.