Fintech App Development

Payment processing applications built with Stripe, Adyen, or Braintree SDK integration -- payment flows, refund management, dispute handling, and payout automation. Card data never touches your servers: we implement PCI-DSS compliant architecture using payment processor tokenisation and hosted payment fields (Stripe Elements or Adyen Drop-in), which removes your application from PCI DSS scope for card data storage. Card tokenisation stores a vault token from the processor rather than the raw PAN, enabling recurring charges, saved payment methods, and subscription billing without re-entering card details.

Real-time payment event notifications arrive via webhooks from the payment processor -- payment_intent.succeeded, charge.dispute.created, payout.paid -- and trigger downstream actions in your platform (order fulfilment, customer notification, accounting reconciliation) without polling. Split payment routing for marketplace platforms uses Stripe Connect to route funds between buyers, sellers, and platform accounts with configurable fee retention and payout schedules.

PSD2 (EU Payment Services Directive 2) and UK Open Banking API integration enables bank-to-bank payment initiation without card networks for lower-cost payment flows. Multi-currency support with real-time FX rates and local payment method integration (iDEAL, SEPA Direct Debit, BECS for Australia, PIX for Brazil) handles international expansion without rebuilding the payment layer.

Loan origination, underwriting workflow, and repayment management applications for consumer and B2B lending products. Credit bureau API integration with Experian, Equifax, and TransUnion retrieves credit reports and FICO scores within the origination workflow. Soft pull credit checks for pre-qualification preserve the applicant's credit score until a firm application is submitted; hard pull checks run at the point of underwriting decision. Bureau API responses are normalised and mapped to your underwriting scorecard variables automatically.

Credit decision logic with configurable rules -- debt-to-income thresholds, minimum credit score cutoffs, employment and income verification requirements -- runs decisions in seconds. Alternative data scoring using bank account transaction analysis (via Plaid for cash flow underwriting) supplements bureau data for thin-file applicants.

Repayment scheduling supports fixed-rate installment, variable-rate, and revolving credit structures. ACH debit for repayment collection uses Plaid for bank account linking and Dwolla or Stripe ACH for payment processing. Collections workflow -- payment reminder communications, failed payment retry logic, and delinquency escalation -- is built into the repayment layer. Regulatory compliance for consumer lending under the Truth in Lending Act (TILA/Regulation Z) and applicable state lending regulations, including APR calculation and disclosure generation, is designed in from the start rather than added later.

Banking application development for neobanks and fintech companies operating under BaaS (Banking-as-a-Service) partnerships with sponsor banks. Account opening with KYC identity verification, virtual and physical card management, transaction history and categorisation, spending analytics, and real-time push notifications for account events (transaction posted, card declined, low balance threshold reached) delivered via APNs for iOS and FCM for Android.

OAuth 2.0 with PKCE (Proof Key for Code Exchange) handles the authorization flow for banking connections where users link external accounts via Open Banking APIs -- the PKCE extension prevents authorization code interception attacks on mobile apps. Marqeta, Galileo, or Unit BaaS integration handles card issuance, account management, and ledger operations while your app provides the user experience layer.

Biometric authentication using FIDO2/WebAuthn standards and platform authenticators -- Touch ID / Face ID on iOS via the Secure Enclave, fingerprint or face authentication on Android via StrongBox -- replaces password-based login for the majority of sessions. Cryptographic signing keys are stored in hardware-backed secure storage (iOS Secure Enclave, Android StrongBox) and never leave the device, protecting against credential theft even if the device is compromised. White-label delivery with your brand and configurable colour schemes is built on top of the BaaS infrastructure, giving you a branded product without building the banking infrastructure from scratch.

Investment platforms, portfolio management tools, and robo-advisory applications built on market data and brokerage API integrations. Real-time and delayed market data from Polygon.io, Alpaca Markets, or Interactive Brokers TWS API feeds equity, ETF, options, and crypto pricing into portfolio valuation engines. Trade execution workflows connect to your clearing broker or BaaS brokerage provider for order routing, with real-time order status updates delivered via webhooks to the client-facing portfolio view.

Brokerage account aggregation via OAuth allows users to import positions and transaction history from existing brokerage accounts, using Plaid Investments or direct brokerage OAuth flows (Schwab, Fidelity, TD Ameritrade APIs) for position data import. Portfolio performance calculation -- time-weighted return, money-weighted return, benchmark comparison -- is computed server-side against the imported or managed position data.

Compliance tooling for SEC-registered investment advisors (RIA) and broker-dealers covers Form ADV data management, client suitability documentation, and the trading audit trail required by SEC Rule 17a-4 for electronic record retention. For robo-advisory products, the investment policy statement (IPS), rebalancing logic, and tax-loss harvesting algorithms are configurable within the compliance parameters your compliance officer defines.

Identity verification and KYC/AML onboarding flows integrated with leading verification providers -- Jumio, Onfido, Persona, or Stripe Identity for document capture and facial biometric matching. The onboarding flow captures government-issued ID (passport, driving licence, national ID card), performs NFC chip reading where available for tamper detection, and runs liveness detection to confirm the applicant is present rather than using a photo. Extracted identity data is cross-referenced against the applicant's submitted information and against Equifax, Experian, or TransUnion bureau records for identity confirmation.

OFAC sanctions screening, PEP (Politically Exposed Persons) database checks, and adverse media screening run automatically at the point of identity verification and at configurable intervals throughout the customer relationship. Risk-tiered onboarding routes standard customers through simplified due diligence and high-risk customers (PEPs, high-value transactions, flagged jurisdictions) through enhanced due diligence (EDD) workflows with additional documentation requirements.

Ongoing AML transaction monitoring applies configurable thresholds -- transaction velocity, aggregate amount over 30 days, unusual recipient profiles -- and generates AML alerts for your compliance team's review. SAR filing workflow and supporting documentation assembly is built into the alert resolution process. The compliance infrastructure is designed to your compliance officer's customer risk policy, not a generic template that requires interpretation.

Internal financial operations tools that replace the spreadsheet-based workflows your finance team runs alongside your core platform. Treasury management dashboards pull real-time cash position data from multiple banking providers using PSD2 Open Banking APIs (for UK and EU bank accounts) or bank-specific APIs (JPMorgan Access, Citi TreasuryVision, Wells Fargo CEO) for US accounts, giving treasury a live view of cash across entities and accounts rather than a snapshot from yesterday's export.

Reconciliation workflow applications match transactions between your platform ledger and bank statements, payment processor settlement reports (Stripe payout reconciliation, Adyen settlement files), and accounting system entries. Unmatched items are surfaced in a review queue with suggested matches and supporting evidence rather than requiring a finance analyst to inspect each one manually.

Settlement reporting for payment platforms calculates the funds flow between buyers, sellers, platform accounts, and payment processors, with the net settlement figure reconciled to the actual bank credit. Revenue recognition tooling applies your ASC 606 or IFRS 15 rules to transaction data and posts recognised revenue entries to your accounting system (QuickBooks, Xero, NetSuite, SAP) via API. Custom analytics dashboards for transaction data, chargeback rates, payment success rates by method and geography, and cohort-level revenue metrics give your finance and product teams the operational data currently buried in raw exports.