The financial sector is entering a period of accelerated digital reinvention. According to Forbes, global fintech funding climbed back to $8.5 billion in Q4 2024, marking a 12% quarter-over-quarter increase — a clear signal that investor confidence is returning after a turbulent year.
This upward movement is not merely a financial rebound. It reflects a broader structural shift: organizations are reallocating budgets toward intelligent financial systems, automated decisioning, and secure cloud-native platforms that reduce operational friction and prepare institutions for long-term resilience.
As this transition accelerates, many companies increasingly rely on fintech software development services to rebuild outdated architectures and adopt technologies that support scalability, compliance, and real-time data processing.
Several forces reinforce this transition. Rising compliance requirements, growing fraud sophistication, and escalating customer expectations push financial institutions to modernize their core systems.
As regulations evolve and competitive pressure increases, companies are moving away from fragmented legacy workflows toward platforms capable of handling real-time data flows, predictive analytics, and automated controls. This marks a decisive shift toward engineering-centric ecosystems where reliability, scalability, and regulatory alignment matter more than ever.
Consumer behavior amplifies this momentum. Research cited by Forbes Finance Council shows that 79% of customers now prefer fintech-driven services, while trust in traditional banks has dropped to 87% — the lowest level in a decade. Users expect instant onboarding, transparent terms, 24/7 digital support, and frictionless mobile experiences. When incumbents fail to meet these expectations, customers migrate toward digital-first providers that offer speed, convenience, and personalization.
At the same time, market signals indicate a more mature phase of fintech investment. Instead of funding rapid experimentation, investors now prioritize mission-critical technologies that deliver measurable business outcomes: payments infrastructure, digital onboarding, fraud prevention, core banking modernization, and compliance automation. Digital-first operating models are no longer optional; outdated systems now represent a direct business and regulatory liability.
AI-driven decisioning is moving from “experimental” to “expected,” as institutions rely on intelligent models to reduce risk, automate underwriting, and eliminate manual review steps. Regulators also accelerate digital expectations, pushing for stricter KYC/AML monitoring, real-time reporting, and enhanced transparency — shifts that legacy architectures struggle to support.
In practical terms, this means customers are more willing to switch from traditional banking products to digital financial ecosystems — mobile banks, instant lending platforms, automated investment tools, and AI-powered risk engines. Institutions unable to support this migration with scalable engineering face operational bottlenecks, rising compliance costs, and increased customer churn.
For financial organizations, the implication is clear: technology partners with deep engineering expertise will define who leads the next decade of financial innovation. Banks, lenders, and fintech startups now require partners capable of building secure APIs, reliable real-time data pipelines, automated KYC/AML flows, and scalable microservice architectures.
Without these foundations, even the strongest financial product ideas cannot achieve market stability, regulatory readiness, or sustainable growth.
1. Сomputools
Key Features
- 12+ years building custom software
- 250+ engineers across the globe
- 400+ custom software solutions delivered for clients worldwide
- 20+ fintech platforms delivered from neobanks and PSPs to crypto, lending, regtech, and investment tech
- ISO 9001 & ISO 27001–aligned workflows and security practices
- PSD2, GDPR, and PCI DSS–aligned engineering
- Certified Microsoft & AWS partner for secure, cloud-ready architectures
Computools leads this list of top fintech software development companies thanks to its deep engineering culture, structured delivery model, and years of experience building high-load financial ecosystems.
The company specializes in developing end-to-end platforms for digital banking, payments, lending, insurance, and investment management. Its teams build robust onboarding engines, automated risk-scoring models, fraud-detection modules, and secure transaction flows, ensuring full compliance with PSD2, GDPR, PCI DSS, and industry best practices.
A significant part of Computools’ expertise lies in AI/ML-driven workflows — from dynamic risk scoring and KYC automation to AI agents, personalized financial recommendations and behavioral analytics. The company actively implements cloud-native patterns, designs scalable microservices, and establishes resilient data pipelines for real-time processing.
With successful projects across the EU, US, and APAC, Computools helps enterprises modernize legacy systems, migrate to flexible architectures, and bring new digital financial products to market faster and with lower operational risk.
2. Elinext
Key Features
- Payment ecosystem development
- Insurtech automation
- Core banking modernization
- AI-based risk analysis
- Cloud and API integrations
Elinext provides multi-module platforms for banks, insurers, and payment providers, focusing on reducing operational delays and improving customer experience. Their teams develop secure underwriting systems, claims automation tools, financial reporting modules, and real-time payment engines.
With strong capabilities in cloud transformation and API orchestration, Elinext supports organizations in replacing legacy workflows with scalable, automated financial pipelines.
3. LeewayHertz
Key Features
- Blockchain and digital asset solutions
- AI-powered KYC workflows
- Payment orchestration
- Cloud platform development
- API-first architecture
LeewayHertz is highly regarded for its blockchain and digital asset engineering capabilities.
The company builds secure settlement engines, identity verification frameworks, tokenization platforms, and digital wallets for both enterprises and emerging fintechs.
Their API-first approach allows financial institutions to integrate new payment rails and digital asset services into existing infrastructures without disrupting operations.
4. Itexus
Key Features
- Robo-advisory development
- Intelligent risk scoring models
- Loan origination systems
- Secure mobile banking
- AI chat and support modules
Itexus specializes in building end-to-end fintech products for lending, wealth management, and digital banking. Their engineers create automated loan origination systems with configurable scoring logic, enabling institutions to cut approval times while maintaining strict risk controls.
The company also delivers secure mobile banking apps with multi-factor authentication, encrypted transaction flows, and intuitive UX. A strong focus on AI-driven customer support allows Itexus to streamline onboarding, reduce operational costs, and improve customer engagement.
Their platforms are built for long-term stability and comply with modern financial and regulatory standards.
5. HES Fintech
Key Features
- Lending automation platforms
- Loan management systems
- AI-based underwriting
- Compliance-ready workflows
- Real-time decisioning
HES Fintech develops robust digital lending ecosystems designed for institutions processing high application volumes. Their solutions include automated underwriting, multi-level scoring, loan servicing, and repayment management.
HES enables lenders to configure products, adjust approval rules, and introduce new credit models without deep redevelopment. With built-in compliance controls, audit trails, and customizable business logic, HES helps companies accelerate time-to-market and ensure operational accuracy across every stage of the lending lifecycle.
6. Mambu Engineering Service
Key Features
- Cloud banking platforms
- Core banking modernization
- Modular financial architecture
- API-driven product creation
- Global multi-market delivery
Mambu’s engineering service helps financial institutions migrate from legacy core systems to flexible cloud-native architectures. Their modular platform allows banks to launch new financial products rapidly using API-based components rather than monolithic systems.
Mambu engineers support integration, data migration, multi-region rollout, and operational restructuring for institutions of all sizes. This approach enables organizations to scale efficiently, reduce technical debt, and improve resilience while maintaining full compliance.
7. Andersen
Key Features
- End-to-end banking engineering
- Trading platforms
- AI-driven AML modules
- Payment system upgrades
- Regulated market compliance
Andersen works with banks, investment firms, and regulated enterprises to build secure trading systems, AML automation modules, and modern online banking environments.
Their engineering teams focus on stable, high-performance architectures capable of supporting large-scale operations. Andersen’s expertise in compliance and regulated markets ensures that every system meets strict security, data protection, and reporting requirements.
8. Yalantis
Key Features
- Digital payments
- Mobile banking stacks
- Embedded finance
- Cloud microservices
- Security-first engineering
Yalantis delivers scalable digital ecosystems for banks, fintech startups, and payment providers. Their solutions include mobile-first banking apps, embedded finance modules, microservice-based backends, and secure payment rails.
The company emphasizes reliability and security, designing architectures that support rapid growth and seamless user experiences. Yalantis also assists clients with cloud migration and performance optimization projects.
9. Marqeta Technical Services
Key Features
- Modern card issuing
- Payment routing
- Tokenization
- Risk monitoring
- Developer-friendly APIs
Marqeta provides engineering services centered around its modern card-issuing and payment-routing platform. Their teams help fintechs and financial institutions integrate virtual and physical cards, build digital wallets, and deploy global payment programs.
Marqeta’s tools support advanced capabilities like dynamic spend controls, tokenization, instant card issuance, and intelligent real-time fraud detection — all powered by flexible APIs.
10. Forte Group
Key Features
- Core financial platforms
- Automation and QA
- Cloud migration
- Fraud analytics
- Compliance-first development
Forte Group develops robust financial platforms with strong automation and quality assurance practices. The company designs payment systems, banking modules, and insurance solutions that prioritize regulatory compliance, scalability, and performance.
Their engineers also manage cloud transformation programs and implement fraud analytics tools to support secure, high-volume financial operations.
11. Inverita
Key Features
- Secure payment integrations
- Lending platforms
- AML/KYC modules
- Predictive models
- Mobile-first development
Inverita builds digital lending systems, payment gateways, and mobile banking solutions for fintechs and neobanks. Their capabilities include predictive scoring models, automated AML/KYC workflows, and secure data exchange layers.
With a strong focus on mobile UX and backend scalability, Inverita enables companies to handle rapid user growth and evolving compliance demands.
12. Ciklum
Key Features
- Digital product engineering
- Advanced data analytics
- Microservices architecture
- Trading automation
- Financial-grade security
Ciklum delivers large-scale fintech products for trading, investment, and payment automation. The company specializes in distributed architectures, data-heavy systems, and secure integration workflows.
Their engineering teams support enterprise clients with modernization, analytics, and custom financial tool development — ensuring long-term stability and operational resilience.
13. N-iX
Key Features
- Intelligent financial solutions
- AI-driven scoring
- Data warehouses
- Payment systems
- Cloud-native engineering
N-iX develops scalable financial systems that combine data engineering, AI scoring, and streamlined payment processing.
Their cloud-native solutions help institutions improve reporting accuracy, reduce manual intervention, and support real-time decisioning. N-iX is known for its expertise in high-load infrastructures required by enterprise fintech ecosystems.
14. ELEKS
Key Features
- Data-heavy investment systems
- Predictive analytics
- Mobile banking
- AI-supported decisioning
- High-load architecture
ELEKS builds complex analytical and investment platforms for financial institutions. Their teams specialize in high-load infrastructures, forecasting engines, and mobile banking environments.
ELEKS’ solutions help clients improve data visibility, automate key decisioning steps, and support smart portfolio management workflows.
15. Innowise
Key Features
- Lending automation
- Payment solutions
- Risk assessment
- ML scoring models
- FinOps optimization
Innowise engineers digital lending platforms, automated underwriting systems, and ML-based scoring models tailored for consumer and SME finance.
Their solutions reduce operational workload, optimize financial processes, and improve accuracy in risk evaluation. Innowise also delivers payment modules and FinOps optimization tools for cost-efficient cloud operations.
16. EPAM Systems
Key Features
- Enterprise fintech engineering
- Digital transformation
- Cloud-native modernization
- Regulatory-compliant ecosystems
- Data-driven platforms
Description
EPAM leads large-scale digital transformation programs for banks, lenders, and payment providers. Their expertise spans modernizing legacy cores, migrating platforms to cloud-native architectures, and building compliant, data-driven financial ecosystems.
EPAM’s engineering teams specialize in mission-critical systems where security, performance, and regulatory alignment are essential.
17. Thought Machine Delivery Partners
Key Features
- Next-gen core banking
- Smart contracts
- Cloud-native banking engines
- Product configuration
- Multi-country deployments
Description
Thought Machine delivery partners help banks implement Vault, a modern core banking engine powered by smart contract logic.
Their teams configure product rules, manage data migration, and deploy scalable, cloud-native banking platforms across markets. This enables financial institutions to replace rigid cores with programmable, future-proof systems.
18. Intellias
Key Features
- Digital banking platforms
- Customer onboarding flows
- AI-enabled automation
- Data engineering
- Payments modernization**
Description
Intellias builds full-scale digital banking environments, supporting onboarding, payments, scoring, analytics, and fraud prevention.
Their engineers focus on creating intuitive front-end experiences backed by resilient cloud-native infrastructures. Intellias helps established banks accelerate digital adoption and launch new financial products with minimal operational disruption.
19. Simform
Key Features
- Cloud-native fintech development
- Intelligent transaction analytics
- Predictive modeling
- API development
- Platform scaling
Description
Simform develops cloud-first fintech systems designed to handle rapid growth and complex data processing.
Their expertise includes predictive analytics, secure API development, and transaction-heavy workflows. Simform is often chosen by scaling fintech startups looking to modernize architecture and expand globally.
20. Backbase Implementation Studio
Key Features
- Digital banking experience layers
- Customer onboarding
- Unified engagement platforms
- Identity and access management
- Modular front-end banking
Description
Backbase implementation specialists help banks unify digital channels — onboarding, servicing, payments, and support — into a single engagement layer. Their modular frameworks allow organizations to modernize user journeys without replacing core systems.
Backbase studios focus on speed, UX consistency, and highly secure identity management.
21. Alviere
Key Features
- Embedded finance
- Identity verification
- Compliance automation
- Payment processing
- Wallet infrastructure
Description
Alviere delivers regulated embedded finance infrastructure, enabling brands to offer payments, wallets, identity verification, and loyalty tools under their own label.
Their engineering solutions emphasize compliance automation, secure data handling, and fast integration — making it easy for enterprises to embed financial capabilities at scale.
22. Paymentology Engineering Team
Key Features
- Global card issuing
- Fraud monitoring
- Smart transaction routing
- Multi-cloud availability
- Real-time analytics
Description
Paymentology engineers develop global card-issuing systems with advanced fraud protection, multi-cloud resilience, and real-time analytics.
Their solutions power digital banks and fintechs that require instant authorizations, intelligent routing, and strong security across multiple regions.
23. Sigma Software
Key Features
- Fintech product development
- Mobile banking interfaces
- API orchestration
- Data intelligence
- Cloud-native infrastructure
Description
Sigma Software stands out among leading fintech software development companies for its ability to deliver high-quality, scalable financial solutions. The company develops a broad spectrum of fintech applications — from mobile banking apps and payment gateways to advanced analytics dashboards and enterprise-grade financial systems.
Their engineering teams are highly skilled in secure API orchestration, user-focused UX design, and the implementation of cloud-native infrastructure. This technical foundation enables financial institutions to streamline operations, accelerate time-to-market, and deliver seamless digital experiences to their users.
Leveraging data intelligence and automation, Sigma Software empowers banks, fintech startups, and insurance providers to make real-time, data-driven decisions. With a proven track record across multiple global markets, the company plays a key role in driving digital transformation and innovation within the financial technology sector.
24. Oxagile
Key Features
- Payment infrastructure
- AML and fraud modules
- Data pipelines
- Predictive analytics
- Fintech UX
Description
Oxagile develops secure fintech systems that include AML monitoring, fraud detection, payment pipelines, and predictive analytics.
Their focus on strong UX and data transparency helps financial institutions optimize performance, strengthen compliance, and protect against evolving risks.
25. Railsr (Railsbank) Engineering Providers
Key Features
- Banking-as-a-Service
- Identity and compliance layers
- Payment orchestration
- Embedded finance
- API-driven product creation
Description
Railsr delivers a flexible Banking-as-a-Service platform that allows companies to embed financial capabilities directly into their products without building banking infrastructure from scratch. Their engineering providers help organizations launch digital wallets, issue physical or virtual cards, integrate identity verification, and support real-time payment routing.
Railsr’s modular, API-driven architecture enables rapid deployment of new financial features, streamlines regulatory onboarding, and reduces operational overhead. This makes the platform especially valuable for brands, fintechs, and marketplaces that need scalable, compliant embedded finance solutions while maintaining full control over customer experience.
Conclusion: Which Partner Will Shape Your Next Fintech Breakthrough?
The companies featured here represent some of the most forward-thinking innovators in engineered financial solutions. Each brings a unique combination of secure architecture, AI-driven analytics, automation capabilities, and domain expertise shaped by years of working with complex financial ecosystems.
In a market where trust, scalability, and regulatory alignment define long-term success, having the right technology partner becomes more than an operational decision — it becomes a strategic advantage.
Choosing that partner requires clarity about an organization’s ambitions, internal capabilities, and transformation roadmap. Some firms specialize in core banking modernization; others lead in intelligent scoring, fraud detection, automated onboarding, investment automation, or payment ecosystem design.
The ideal partner is the one whose strengths reinforce your strategic priorities — whether that means reducing operational friction, accelerating digital adoption, strengthening compliance, or launching entirely new financial products.
As the financial landscape continues to evolve, the next breakthrough will belong to organizations that invest not only in visionary ideas, but in the engineering foundations capable of turning those ideas into resilient, compliant, and scalable products.
