15 Best Fintech Software Development Companies For Banks & Startups

Financial services are evolving at a remarkable pace. Customers no longer tolerate delays or fragmented journeys. They expect instant payments, seamless onboarding, transparent transactions, and digital-first interactions that work flawlessly every time. Startups gain ground by offering speed and personalization, while established banks must modernize their infrastructure to remain trusted institutions in a world that now operates in real time.

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As this transformation unfolds, technology becomes the foundation of every financial strategy. Modern products are built not only on code, but on secure architecture, regulatory alignment, and the ability to scale without compromising trust. For this reason, fintech software development companies play a decisive role. They help financial institutions navigate complex compliance rules, integrate legacy systems, and deliver experiences that match rising customer expectations.

Industry analysts increasingly emphasize this acceleration. Multiple Forbes reports on the future of payments and digital money highlight how financial organizations now compete not only through services, but through the technological resilience, automation, and security embedded in their digital ecosystems.

According to leading industry platforms such as Clutch and GoodFirms, the market is crowded with vendors claiming financial expertise. Yet only a select group consistently demonstrates the ability to build secure, high-performance products for regulated environments. These companies combine technical depth with an understanding of risk, governance, and long-term system stability.

To understand why this difference matters so much, let’s begin with a real-world example that shows how the right technology partner can shape the outcome of an entire digital transformation.

1. Computools — Strategic Partner №1 in Fintech Digital Transformation

Computools leads the list of top companies providing fintech software development services because it is not simply a vetted software development vendor; it is a company that architects the future of digital finance. Computools specializes in creating secure, compliant, long-lived financial ecosystems for banks, fintech startups, payment providers, lending companies, and wealth-tech platforms.

In an industry defined by trust and risk mitigation, the company delivers engineering excellence that aligns with global regulatory standards. Computools operates with a security-first mindset, designing systems around PCI DSS, PSD2, GDPR, SOC2, DORA, Open Banking standards, and country-specific regulations. This makes their solutions resilient, scalable, and ready for long-term expansion.

The company builds end-to-end fintech environments: digital banking modules, onboarding engines, payment orchestration systems, automated KYC/AML flows, fraud-detection platforms, and core-banking integrations. Computools is especially strong in system integration.

Whether connecting legacy banking cores with modern cloud services, embedding machine-learning risk scoring, or implementing multi-layer identity verification, the company modernizes infrastructures without disrupting operations. This engineering discipline allows clients to launch safer, faster, and more cost-efficient financial services.

Why Computools Stands Out

12+ years of experience
400+ delivered projects
20+ completed fintech projects worldwide, ranging from custom banking and payment systems to crypto and investment solutions
250+ engineers delivering software projects across the EU, US, and APAC
ISO 9001 & ISO 27001 certified processes
Official Microsoft and AWS partner

2. Andersen — Enterprise-Scale Financial Engineering Powerhouse

Andersen stands among the most prominent global fintech development providers due to its ability to execute large, complex financial transformation programs. With thousands of engineers specializing in banking, insurance, investment, and trading technologies, Andersen delivers enterprise-grade solutions that align with strict compliance requirements and industry best practices.

The company builds digital banking platforms, trading engines, lending systems, insurance automation tools, and large-scale back-office infrastructures. Their specialization includes audit-ready architectures, secure API layers, automated test pipelines, and strong cybersecurity processes. Andersen also helps institutions migrate from legacy software to modern, scalable cloud environments.

The company is well-known for its structured engineering culture. Their teams follow strict development standards, ensuring predictable delivery and a high degree of stability during integrations — a crucial factor for regulated institutions.

Why Andersen Stands Out

3500+ engineers dedicated to finance, insurance, and trading
Recognized on GoodFirms for financial software excellence
Strong internal R&D for risk analytics and automation technologies
Mature cybersecurity and secure SDLC processes
Specialized teams for core banking modernization

3. Intellias — Architect of Cloud-Native & Data-Driven Banking

Intellias is a long-standing partner for global banks undergoing digital transformation. Known for its strong expertise in cloud engineering and advanced analytics, the company supports organizations transitioning from legacy systems to scalable, compliant, cloud-native financial infrastructures.

Their teams build solutions for real-time transaction monitoring, digital onboarding, open banking integrations, data management, and fraud-detection analytics. Intellias prioritizes resilient architectures and performance optimization, ensuring that financial platforms remain reliable under high load and meet strict regulatory requirements.

The company’s strength lies in solving technically complex challenges — integrating numerous third-party services, rebuilding data pipelines, implementing event-driven architectures, and meeting PSD2 & GDPR standards.

Why Intellias Stands Out

20+ years of enterprise financial engineering
Strong cloud capabilities (AWS, Azure, GCP)
Experience with real-time data, AML analytics, and open banking APIs
Recognized by Clutch for fintech delivery
Well-established development hubs in Central & Eastern Europe

4. EPAM Systems — Global Leader in Mission-Critical Financial Platforms

EPAM is one of the world’s most respected engineering enterprises, known for delivering high-load, mission-critical systems for global financial institutions. With thousands of engineers across continents, the company supports banks, payment processors, and investment firms in large-scale modernization programs.

EPAM builds multi-region banking platforms, payment rails, online trading ecosystems, risk-management infrastructures, and regulatory reporting systems. Their DevSecOps maturity and secure engineering pipelines make them particularly trusted for sensitive, high-risk environments.

The company excels where system reliability and uptime are absolute priorities — supporting infrastructures that process millions of transactions per second with zero tolerance for failure.

Why EPAM Stands Out

Decades of experience with top-tier global banks
Mature DevSecOps & security governance
Expertise in high-load transaction systems
Deep capabilities in compliance, audit, and risk control
Strong reputation for multi-year digital transformation programs

5. Softeq — High-Security Engineering for Trading & Crypto Markets

Softeq is known for delivering fintech solutions built for high-risk, fast-moving financial environments such as trading platforms, crypto exchanges, and digital asset ecosystems. Security is their core strength: the company has deep expertise in encryption, secure transactions, real-time monitoring, and fraud analytics.

Softeq builds blockchain systems, trading engines, crypto wallets, and secure infrastructure for digital asset operations. They design highly resilient environments capable of handling high throughput, real-time updates, and advanced compliance controls. Their focus on emerging fintech sectors makes them a strong partner for businesses building next-generation financial technologies.

Why Softeq Stands Out

Strong specialisation in cybersecurity & cryptographic protocols
Expertise in trading, blockchain & digital asset systems
Full-cycle development for highly regulated markets
Secure-by-design architectures
Proven experience with real-time, ultra-fast transaction systems

6. Itexus — Leader in Intelligent Wealth-Tech & Automated Financial Platforms

Itexus is recognized for its deep expertise in AI-driven financial services, including Robo-advisors, automated wealth management, and intelligent scoring systems. Their solutions combine machine learning, behavioral analytics, and modern UX, enabling institutions to deliver highly personalized digital finance experiences.

The company builds investment platforms, credit scoring engines, financial planning apps, and algorithmic advisory systems. Their strength lies in transforming raw data into actionable insights and automated financial decisions. Itexus is the go-to partner for fintech startups building next-generation financial intelligence.

Why Itexus Stands Out

AI-driven investment & scoring platforms
Strong ML engineering for financial analytics
Expertise in PFM, lending, and wealth-tech apps
Focus on smart automation & personalization
Trusted by innovative fintech disruptors

7. N-iX — Cloud Transformation Partner for Enterprise Banks

N-iX helps large financial institutions undergo modernization across infrastructure, architecture, and development processes. With strong nearshore delivery centers and years of enterprise banking experience, the company specializes in cloud migration and secure system evolution.

Their teams design digital banking interfaces, build lending platforms, modernize core systems, and develop payment engines. N-iX adheres to strict compliance frameworks (PCI DSS, GDPR, PSD2), ensuring regulatory safety during modernization. The company’s scalability and engineering depth make it a strong strategic partner for multi-year banking transformation programs.

Why N-iX Stands Out

Cloud-native engineering for enterprise institutions
PCI DSS, GDPR, PSD2 compliance expertise
Strong nearshore delivery teams
Experience in lending, payments, and open banking
High ratings on Clutch for fintech projects

8. ELEKS — Advanced Engineering for Data-Intensive Financial Systems

ELEKS is a long-established enterprise engineering leader known for building data-rich, analytical, and forecasting platforms for global financial institutions. Their mathematical and scientific engineering background allows them to handle complex financial models with precision.

ELEKS develops forecasting systems, risk dashboards, portfolio analytics, and digital banking solutions. The company’s deep analytical experience enables organizations to optimize financial decision-making and reduce operational risks. Their solutions often serve as the analytical backbone for large enterprises.

Why ELEKS Stands Out

30+ years in enterprise financial engineering
Trusted by several Fortune 500 firms
Expertise in forecasting, risk modeling & analytics
Strong R&D culture
Solutions built for complex decision-making

9. Fingent — Automation-Focused Engineering for Banks & Lenders

Fingent helps financial institutions increase operational efficiency through automation and secure cloud-native engineering. They specialize in modernizing internal processes such as loan processing, underwriting workflows, compliance operations, and document automation.

The company builds credit engines, document automation systems, internal banking tools, and secure backend platforms. Fingent focuses on simplifying complex processes while enhancing accuracy and auditability. Their engineering discipline makes them a strong choice for organizations seeking efficiency and cost optimization.

Why Fingent Stands Out

Deep automation expertise
Strong cloud & API engineering
Solutions for internal banking operations
High security & compliance focus
Experience in lending & credit workflows

10. Upsilon — Rapid MVP Builder for Fintech Startups

Upsilon is the ideal partner for fast-growing fintech startups that need rapid prototyping, fast verification cycles, and flexible scaling. Their UX-first approach ensures that early-stage products reach market fit quickly and efficiently.

The company builds MVPs for lending apps, budgeting tools, payment solutions, savings platforms, and P2P financial services. Upsilon supports founders through iterative development, usability testing, and modular architectures. Their strength lies in speed, agility, and user experience.

Why Upsilon Stands Out

Fast MVP delivery
UX-first product development
Perfect for early-stage fintech startups
Flexible scaling models
Experience across multiple consumer fintech categories

11. Altoros — Pioneer in Blockchain, Digital Assets & DeFi Solutions

Altoros is a leading engineering provider in decentralized finance, digital assets, and blockchain-driven financial systems. Their engineers specialize in distributed systems, smart contracts, tokenization, and cryptographic protocols.

The company builds DeFi platforms, blockchain payment systems, tokenized asset infrastructures, and secure digital identity modules. Altoros works with enterprises entering the blockchain space and provides deep architectural guidance for compliance and security.

Why Altoros Stands Out

Leading expertise in blockchain & DeFi
Smart contract & distributed systems engineering
Solutions for tokenization & digital assets
End-to-end blockchain platform development
Trusted in next-generation fintech innovation

12. Oxagile — Compliance-Focused Developer of Payment & Credit Platforms

Oxagile specializes in building fintech systems where compliance, fraud prevention, and data privacy are critical. Their engineering teams have extensive experience in KYC/AML automation, payment processing, and lending platforms. The company builds secure onboarding systems, fraud-detection tools, credit decision engines, and payment gateways.

Their design emphasizes regulatory safety, audit-ready workflows, and secure data architecture. Oxagile is ideal for institutions that cannot compromise on compliance.

Why Oxagile Stands Out

Strong AML/KYC engineering
Secure payment & credit systems
Deep expertise in data privacy
Compliance-driven development process
High reliability and auditability

13. Merixstudio — UX-Driven Builder of Consumer Financial Apps

Merixstudio is known for its human-centered approach to financial product design. The company creates intuitive, clean, and trustworthy fintech applications with strong backend engineering. They build budgeting apps, lending platforms, investment tools, and consumer banking interfaces.

Merixstudio places a special emphasis on user experience, ensuring that complex financial processes feel simple and accessible. Their solutions help startups improve adoption, engagement, and long-term retention.

Why Merixstudio Stands Out

UX-first philosophy
Strong backend for complex APIs
Experience in lending & budgeting systems
Focus on clarity, usability & trust
Great for consumer-facing fintech brands

14. Netguru — Design-First Partner for Modern Digital Banking Apps

Netguru is widely recognized for its beautifully designed mobile and web applications. The company works with banks, neobanks, and fintech startups to create seamless, modern digital customer experiences. Netguru builds mobile banking apps, digital wallets, savings platforms, and fintech SaaS products with exceptional UI/UX design.

Their attention to user behavior and product aesthetics helps financial brands stand out in crowded markets. Their design-driven engineering makes them a strong fit for companies prioritizing customer experience.

Why Netguru Stands Out

Premium mobile & web design
Strong product strategy capabilities
Popular with fast-growing fintech brands
Focus on intuitive financial UX
Excellent fit for competitive consumer fintech markets

15. Simform — Cloud-Native Architect for High-Scale Banking Systems

Simform is a cloud-native engineering partner specializing in scalable banking and financial systems. Their expertise spans AWS, Google Cloud, and serverless architectures, making them an ideal partner for institutions undergoing core transformation. They build backend infrastructures, migrate legacy systems, optimize performance, and design cloud-native architectures capable of supporting millions of users.

Simform’s engineering excellence centers on reliability, uptime, and efficiency. Their solutions empower banks to modernize without sacrificing performance or security.

Why Simform Stands Out

Cloud-native specialization (AWS, Azure, GCP)
Serverless & high-scale engineering
Expertise in legacy modernization
Strong performance optimization capabilities
Perfect for enterprise digital transformation

Conclusion: Which Company Fits Your Financial Vision?

The landscape of financial innovation is evolving faster than ever. Cloud ecosystems mature, AI-driven decisioning becomes the new standard, and digital products are expected to scale globally from day one. In this dynamic environment, the companies highlighted above stand not merely as service providers but as long-term strategic allies.

Each brings its own expertise, whether it is cloud-native engineering, blockchain-powered transparency, intelligent scoring systems, frictionless digital banking platforms, or deeply rooted compliance frameworks that keep institutions resilient in a regulated world. Yet technology alone does not define success.

What truly matters is alignment: how well a partner understands your operational reality, business ambitions, and long-term financial vision. Some organizations need a team that can accelerate their cloud transformation, while others look for end-to-end product ownership, robust integrations, or guidance through complex regulatory landscapes.

The right choice depends on where your fintech journey stands today and where you want it to lead tomorrow. So the key question becomes: Which challenges is your organization ready to address next, and which of these companies would you trust to help architect your future?