Fintech mobile apps built around identity, money movement, and recovery.

Start with one complete value journey, such as verified onboarding to an account view or merchant acceptance to reconciled transaction history. Include the mobile interface, backend, one critical integration, access controls, error and review states, notifications, support, monitoring, audit history, release tooling, and operational handover.

No. We build software controls and evidence for client review. The client and regulated partners retain responsibility for licences, regulated roles, KYC and AML policy, sanctions, credit, advice, disclosures, funds, safeguarding, complaints, disputes, reporting, privacy, and interpretation of applicable rules. Technical delivery does not confer approval.

Cross-platform delivery is a useful default when iOS and Android share product behaviour and the required SDKs support it. Native development can fit specialised hardware, performance, accessibility, or platform capabilities. The choice follows payment, identity, device, store, testing, team, and maintenance constraints rather than a blanket preference.

An app shell, screens without the regulated machinery behind them, costs far less than a banking product. Anyone quoting a small fixed sum for a full neobank clone is pricing the shell, not the product. The costliest clusters are KYC onboarding, card issuing, and money movement. The happy path ends when a provider asks for another document; that is where the budget lives.

The one-line rule: every security decision belongs on the server. A modified client reports whatever it is asked to report. Look for current TLS, strong encryption at rest, hardware-backed key storage, and no custom cryptography. MFA baseline plus biometrics; avoid SMS one-time codes. Biometrics unlock a device-bound private key that signs a server-issued challenge; they do not prove identity to the server. Licensing determines what the app may legally offer. Your infosec officer and general counsel will interrogate credential handling.

Ask for sandbox or free-trial proof that banking and brokerage integrations actually function before committing. Clarify who is liable when something breaks: if the user's brokerage account gets blocked, if the integration violates terms of service, if accounts get banned. And test with real users on real phones, in a hurry, one-handed, with fallback methods when biometrics fail. Onboarding friction is where apps die.

Four rituals. One: the shell test, is this a banking product or an app shell? Two: the server rule, which security decisions happen on the server versus the phone? Three: the biometric question, does it unlock a key, or does it pretend to prove identity? Four: the liability question, who answers when a user's account gets blocked or banned? Licensing determines what the app may legally offer, and your counsel confirms it.

Cost follows scope: a first cross-platform release covers one journey, backend, identity, one regulated or payment integration, transaction states, notifications, monitoring, administration, app-store preparation, and handover. Several products, native apps, card issuing, deep open banking, lending, migration, offline payments, or formal assurance add scope. After scoping the journey with your regulated partners, you get a fixed written quote.

Timing follows readiness: the journey, regulated partners, vendors, disclosures, integration access, representative data, store accounts, and what 'done' looks like all have to be settled first. Provider onboarding, certification, security review, financial licensing, complex migration, several jurisdictions, or native platform divergence can extend the plan.