Trusted by Leading Brands
Our Fintech Application Design & Development Services
Custom Fintech App Development
We build secure, scalable, and fully tailored fintech applications designed to align with your business goals, compliance requirements, and customer experience needs. Whether you’re launching a mobile banking platform, a digital payments app, or a wealth-management solution, we develop systems with seamless transactions, advanced security layers, and customizable financial features, giving you complete product ownership and long-term scalability.
Fintech App UI/UX Design
Your users expect clarity, speed, and trust from any financial product. Our UI/UX design team focuses on intuitive flows, clean layouts, and user-centric interactions that make complex financial tasks feel simple. Every interface is optimized for mobile and web, supports accessibility standards, and is designed to increase user adoption and engagement across all device types.
Fintech App Consulting & Product Strategy
If you’re still refining your fintech idea, we help you shape it into a clear, executable plan. Our app consulting services include market analysis, feature prioritization, compliance guidance, technical architecture planning, and cost estimation. You receive a validated roadmap that helps you avoid unnecessary risks, reduce development costs, and build a product that truly aligns with your users’ financial behaviors and expectations.
QA, Security Testing & Fintech Deployment
Financial apps demand maximum precision. We perform end-to-end QA, penetration testing, fraud-risk checks, and load testing to ensure your platform is performant, compliant, and secure. During deployment, we handle staging, configuration, app store readiness, and release management—ensuring your solution goes live smoothly and meets the strict financial industry standards.
Fintech IoT Integration
For organizations looking to enhance verification, security, or connected-device functionality, we integrate IoT into your fintech ecosystem. From biometric authentication and secure IoT payment workflows to advanced card readers and sensor-based tracking, we ensure that every integration utilizes encrypted data transmission and a privacy-first architecture to protect user information.
Fintech App Maintenance & Continuous Support
Your fintech app must evolve with regulations, market needs, and user expectations. We provide ongoing updates, security patches, performance optimization, feature enhancements, and 24/7 monitoring to keep your platform stable, compliant, and competitive. Our app maintenance support service ensures your financial product operates smoothly long after launch.
Top Fintech Apps Developed By Us
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AI-powered Document Processing
King of Kings is an AI-based document processing solution developed by Space-O Technologies using React.js, Node.js, PostgreSQL, OpenAI, and Pinecone.
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Expense Tracker App
Want to develop an expense tracker app to track and manage expenses? We have developed an expense tracker app that helps users to manage daily expenses.
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Stock Trading App
Space-O has developed a virtual stock trading app that helps to analyze & practice the trade on the virtual simulator and reduces the risk of losing money.
Client Testimonials
Project Summary
Mobile App Dev for Water Delivery Company
Space-O Technologies develops a mobile application for a bottled water delivery company. The target goal is to create a platform that will make water delivery more accessible for customers.
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Project Summary
Mobile App Dev for Software Company
Space-O Technologies has provided mobile app development services for a software company. The team has developed a social networking mobile app for the client.
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Project Summary
Mobile App Dev for Audition Management Solution Provider
Space-O Technologies has developed a mobile app and website for an audition management solution provider. The team has designed the app and logo and integrated the site with the app.
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Project Summary
Custom App Development for Event Management Company
Space-O Technologies has been hired by an event management company to fix and optimize their app. The team is also responsible for creating an admin panel that would make it easier to handle customer requests.
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Project Summary
Augmented Mobile App Dev for Mobile App Firm
Space-O Technologies augments the in-house dev team’s work. They’re given design and technical background, and the team executes exactly what’s asked of them, resulting in a continued partnership.
View All →Types of Fintech Platforms We Build
Space-O Technologies helps fintech startups and enterprises build secure, scalable, and feature-rich digital finance platforms. From mobile banking to digital payments and investment apps, we deliver high-performance solutions with complete source-code ownership.
Mobile Banking App Development
Our mobile banking app development services create applications using Swift, Kotlin, and React Native optimized for App Store and Google Play success, featuring seamless user experiences, and robust performance. We deliver solutions tailored for financial institutions targeting mobile-first users, featuring enterprise-grade security and scalability.
Digital Wallet & Payment App Development
Develop secure Android payment applications using Kotlin and Java, compatible with all device sizes and Android versions. Our app development agency provides mobile applications that meet Google Play and App Store compliance, delivering secure and feature-rich performance across the Android and iOS ecosystems.
Investment & Trading Platform Development
Transform your unique fintech requirements into tailored investment solutions. As a custom fintech app development agency, we build secure and reliable trading platforms from concept to launch. Our software app developers ensure that they incorporate specialized features, complex integrations, and industry-specific functionalities that enable users to trade seamlessly.
Financial Management & Budgeting
We develop personal finance and business financial management apps featuring tools such as expense tracking, budgeting, invoice management, financial goal planning, and AI-driven insights. These apps provide users with comprehensive visibility into their financial health, while enabling businesses to streamline their cash flow.
P2P Lending & Credit Platforms
Create enterprise-grade lending solutions designed for large organizations and complex business processes. Our enterprise app development services provide you with internal productivity tools, customer-facing applications, and workforce management systems with robust security, seamless CRM/ERP integration, and scalable cloud architecture that supports enterprise growth.
Insurance (InsurTech) App Development
Our team develops insurance applications that streamline policy management, claims processing, customer onboarding, and premium payments. With analytics and workflow automation built in, insurers can improve customer experience and operational efficiency.
Our Commitment to Excellence in Fintech App Development
- We have ISO 9001 certification, ensuring every fintech software and application we develop meets the latest internationally recognized quality management standards.
- Holding ISO 27001 certification, we guarantee bank-level security for your mobile banking apps, digital wallets, and payment processing systems with the most current cybersecurity controls and continuous compliance monitoring.
- We have completed 98% of our fintech app projects on time, delivering iOS and Android applications within agreed timelines without compromising code quality or security standards.
- With a specialized team of 50+ app developers, including experts in Swift, Kotlin, React Native, blockchain, and payment gateway integration.
Essential Features We Integrate in Fintech Mobile Apps
Building a successful fintech mobile application requires more than just great design—it needs robust features that users trust and regulators approve. Here are the must-have features we integrate into every fintech app to ensure security, compliance, and exceptional user experience.
Security & Authentication Features
- Biometric Authentication (Fingerprint, Face ID)
- Two-Factor Authentication (2FA)
- End-to-End Encryption
- AI-Powered Fraud Detection & Prevention
- Secure Session Management
- KYC/AML Verification
- PCI DSS Compliance
- Data Privacy Controls (GDPR, CCPA)
Core Banking & Transaction Features
- Account Dashboard with Real-Time Balance
- Instant Fund Transfers (P2P, Wire, ACH)
- Bill Payment & Scheduling
- Mobile Check Deposit
- Transaction History & Advanced Search
- Multi-Currency Support
- QR Code & NFC Payments
- Virtual Card Generation
Smart Financial Management Tools
- Budget Tracking & Spending Alerts
- Automatic Expense Categorization
- Savings Goals & Automation
- Investment Portfolio Tracking
- Credit Score Monitoring
- Financial Insights & Analytics
- Predictive Spending Reports
- Income vs. Expense Analysis
Payment Processing & Integration
- Payment Gateway Integration (Stripe, PayPal, Square)
- Recurring Billing Management
- Split Payment Functionality
- Banking API Integration (Plaid, Yodlee, Finicity)
- Open Banking APIs
- Blockchain & Cryptocurrency Integration
- Third-Party Service Connections
- Real-Time Currency Conversion
User Experience Features
- Personalized Dashboard
- Push Notifications & Real-Time Alerts
- AI-Powered Chatbot Support
- Multi-Language & Multi-Currency
- Document Management System
- Spending Limits & Custom Alerts
- Dark Mode & Accessibility Features
- Seamless Onboarding Flow
Admin & Management Features
- Comprehensive Admin Dashboard
- User Management & Verification
- Transaction Monitoring & Flagging
- Analytics & Business Intelligence Reports
- Regulatory Reporting & Audit Trails
- Role-Based Access Control
- Content Management System
- Automated Compliance Monitoring
Technologies We Use for Fintech App Development Services
Our fintech development team leverages cutting-edge technologies and proven frameworks to build secure, scalable, and high-performance financial applications. Here’s our comprehensive tech stack across mobile, web, backend, and infrastructure.
Swift
Swift UI
Xcode
CocoaPodsNative Android Development
Kotlin
Java
Jetpack Compose
GradleCross-Platform Mobile
React Native
Flutter
XamarinFrontend
HTML5
CSS
JavaScript
Angular js
React JS
TypeScript
Vue
Node.js
Python
Ruby
PHP
Laravel
.NetBackend Frameworks
Express.js
Django
Ruby on Rails
Spring BootCloud & Web Servers
Microsoft Azure
Google Cloud Platform
Nginx
AWS
DigitalOcean
Cloudflare CDN
MongoDB
MySQL
PostgreSQL
Firebase
SQLite
RedisBlockchain & Crypto
Ethereum
Hyperledger
Solidity
Web3.jsDevOps & CI/CD
Docker
Kubernetes
Jenkins
GitHub Actions
GitLab CI/CDAI & Machine Learning
TensorFlow
PyTorch
OpenAI
Scikit-learn
NLP
Stripe
PayPal
Square
Adyen
Plaid
YodleeKey Highlights of Space-O
Here’s what makes Space-O a trusted CMS development company partner for businesses across Canada and the United States.
100+
Happy Clients Worldwide
300+
Successful Projects
65%
Repeated & Referral Business
Why Choose Space-O Technologies for Fintech App Development
Fintech Domain Expertise
Regulatory Compliance Guarantee
Bank-Level Security
30-Min Free Consultation
NDA & IP Protection
Real-Time Payment Integration
Agile Development Process
Transparent Pricing
Fintech App Development Process We Follow
Our proven 6-phase app development process ensures your fintech app launches on time, passes all regulatory audits, and delivers exceptional user experience from day one.
Initial Consultation
1
We analyze your fintech business model and map compliance needs like KYC/AML, PCI-DSS, and RBI regulations. This helps us define a clear, risk-free roadmap tailored to your product’s financial workflows.
Project Planning
2
We design a security-first fintech architecture with encryption, fraud checks, and compliant data flows. A detailed plan with the right tech stack and integration strategy ensures smooth and audit-ready development.
Team Allocation
3
We assemble a dedicated team of fintech app developers, designers, and compliance experts aligned with your project’s requirements. Communication channels are set to keep you updated on every regulatory and technical milestone.
Design and Development
4
We create intuitive UI/UX for financial transactions and build core features like KYC, payments, digital wallets, and dashboards. Every component is developed with strict security and compliance standards.
Testing and Implementation
5
Your app undergoes rigorous functional, security, and compliance testing including penetration testing and transaction flow validation. This ensures the product is stable, secure, and ready for financial audits.
Launch and Post-Maintenance
6
We launch your fintech app with real-time monitoring of transaction performance and user behavior. Post-launch, we handle updates, security patches, and compliance changes to keep your app market-ready.
Frequently Asked Questions About Fintech App Development
How long does it take to develop a fintech app?
On average, the timeline for developing a fintech app is 3 to 6 months, depending on the project’s complexity. An MVP typically takes 3-4 months, while a full-featured fintech application can take 6-12 months. This includes discovery, design, development, testing, and deployment phases.
How much does fintech app development cost?
The average cost to develop a fintech app ranges from $50,000 to $250,000, depending on complexity and features. Here’s a breakdown by project complexity:
- Basic Fintech App (3-6 months): $50,000 – $100,000
- Advanced Fintech App (6-10 months): $100,000 – $250,000
- Enterprise Fintech Platform (10-18 months): $250,000 – $500,000+
Cost factors: Platform choice, security requirements, third-party integrations, regulatory compliance needs, UI/UX complexity, and post-launch maintenance.
How do you ensure security in fintech app development?
We implement multi-layered security measures, including end-to-end encryption, tokenization, secure authentication protocols, fraud detection systems, regular security audits, penetration testing, and compliance with PCI DSS, GDPR, and other financial regulations.
Can you integrate fintech apps with existing banking systems?
Yes, we specialize in integrating fintech apps with core banking systems, payment gateways (Stripe, PayPal), banking APIs (Plaid, Yodlee), KYC providers, credit bureaus, and other third-party financial services essential for comprehensive fintech operations.
What compliance regulations do you follow for fintech apps?
We ensure compliance with GDPR, PSD2, PCI DSS, AML (Anti-Money Laundering), KYC (Know Your Customer), SOC 2, CCPA, GLBA, and other regional financial regulations. Our team stays updated on regulatory changes to maintain compliance.
Can you modernize or upgrade an existing fintech application?
Absolutely. We enhance legacy fintech systems by improving security, performance, UI/UX, scalability, and compliance. We also add new features, such as KYC automation, real-time analytics, digital payments, and API integrations.
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Trusted by
Bashar Anabtawi 
Canada
“I was mostly happy with the high level of experience and professionalism of the various teams that worked on my project. Not only they clearly understood my exact technical requirements but even suggested better ways in doing them. The Communication tools that were used were excellent and easy. And finally and most importantly, the interaction, follow up and support from the top management was great. Space-O not delivered a high quality product but exceeded my expectations! I would definitely hire them again for future jobs!”
Canada Office
2 County Court Blvd., Suite 400,
Brampton, Ontario L6W 3W8
Phone: +1 (437) 488-7337
Email: sales@spaceo.ca