Expense Management
Receipt capture, approval workflows and budget tracking — expense software that gets built around how your team actually spends, not a rigid template.
Explore expense management →Services
Fintech App Development
Fintech products carry a different weight than a typical app: people trust them with numbers that matter to their lives. That trust has to be earned in the architecture, not just the interface.
Financial precision starts with never using floating-point math for money — every calculation in a fintech build uses fixed-point or integer-cents arithmetic, because a rounding error that's invisible in a demo becomes a real discrepancy at scale. It is a small technical decision with outsized consequences, and it is non-negotiable in our builds.
Whether the product is a personal budgeting app, an investment-tracking dashboard, a lending or loan-management platform, or a digital wallet, the common thread is data the user needs to trust completely: real-time balances, transaction history that never silently reorders or disappears, and calculations (interest, returns, amortization schedules) that are auditable and correct.
Security follows fintech expectations rather than generic app expectations: encryption at rest and in transit, multi-factor authentication, role-based access, and audit logging on every financial action. Where a product connects to bank data or payment rails, we integrate the appropriate financial data APIs (such as Plaid-style aggregators, where applicable to your target markets) rather than asking users to hand over banking credentials directly.
We are candid about scope: we are software engineers, not licensed financial advisors or a regulated financial institution. For products that require specific financial licensing (lending, custody of funds, payment processing as a licensed entity) in your jurisdiction, that licensing is yours to obtain — we build the software to the specification your legal and compliance advisors set, and will flag clearly if a feature you describe typically requires a license to operate.
Delivery is fixed-price and escrow-protected like every TechRadian project: a written checklist of every calculation and security control, tested by you against real scenarios, paid in USD or your currency once you have verified it works.
What's included
- Personal finance, budgeting and investment-tracking apps
- Loan and lending management platforms
- Fixed-point financial math — no floating-point rounding errors
- Bank-grade security: encryption, MFA, audit logging
Questions people ask us
Before you write to us — the honest answers.
Are you a licensed financial institution?
No, and we will always be upfront about that. We are a software development company. If your product requires a financial license to legally operate (lending, holding customer funds, payment processing as a licensed entity), obtaining that license is on you and your legal counsel — we build the software to the specification they require.
How do you avoid rounding errors in financial calculations?
By never using floating-point numbers for money — all monetary values are handled as integer cents or fixed-point decimals throughout the system, calculation and storage alike. This is standard fintech engineering practice and one of the first things we set up in any financial build.
Can you connect the app to users’ bank accounts?
Where your target market has a financial data aggregation API available (Plaid and equivalents in various countries), yes — through that API rather than ever asking users to hand over their online banking password directly to your app.
What security standard do you build to?
Encryption at rest and in transit, multi-factor authentication, role-based access control, and a full audit log of every financial action a user or admin takes. For products handling especially sensitive data, we will discuss additional hardening (e.g. SOC 2 readiness) as part of scoping.
Can you build a lending or loan-management platform?
Yes — loan origination, amortization schedules, repayment tracking and late-fee calculation are all things we build with the same fixed-point precision as the rest of a fintech product. Licensing to actually lend money is, again, on your side.
How much does a fintech app cost?
These tend to be substantial builds given the security and precision requirements — expect mid four-figure to five-figure investment depending on scope. Always fixed-price with a written checklist, always escrow-protected, regardless of your country.
We are a startup outside the US/UAE — can you still work with us?
Yes — we work with clients worldwide and are set up for it: USD invoicing, escrow-protected payment, and async-friendly communication across time zones. Your location does not change how we build or how you pay.
Related
Often paired with this service
SaaS & Cloud
Subscription platforms, license servers and cloud backends on Azure, AWS and Vercel — with billing, auth and analytics built in.
Explore saas & cloud →Escrow-protected payments
Every fintech apps project runs on our escrow model: your funds stay safeguarded until you approve delivery.
How escrow works →Need fintech apps?
Tell us about your project — we'll reply within one business day with a plan and an escrow-protected quote.