Fintech Solutions

Fintech Software Development & Digital Finance Innovation

We build the digital financial infrastructure that powers the next generation of payments, lending, wealth management, and open banking platforms. From MVP to enterprise scale — our fintech engineers deliver PCI-DSS compliant, API-first solutions that move fast and scale securely.

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35+
Fintech Projects Delivered
$2B+
Payments Processed
60%
Faster Time to Market
PCI-DSS
Compliant by Default
Fintech Software

Building the Financial Technology of Tomorrow

The fintech sector evolves faster than almost any other — open banking regulations, real-time payment mandates, crypto integration, embedded finance and AI-driven credit scoring are all reshaping how financial services are delivered and consumed.

Digivance helps fintech companies and financial institutions build software that keeps pace with this change. We're pragmatic engineers who understand regulated environments, not just developers who can write clean code — we know the compliance implications, the security requirements, and the scaling challenges that come with financial software.

  • Payment gateway and processing platform development
  • Digital lending platforms with ML-based credit scoring
  • Wealth management and robo-advisory platforms
  • Open banking API integrations (PSD2, FDX, CDR)
  • RegTech compliance automation tools
  • Neobank and challenger bank platform development
Our Solutions

Fintech Software We Build

Comprehensive fintech engineering across payments, lending, investments and compliance — tailored to your regulatory environment and growth stage.

Payment Platform Development

Custom payment gateways, acquiring platforms, payment orchestration layers, multi-currency wallets, and embedded payment SDKs for web and mobile.

Digital Lending Platforms

End-to-end lending software — loan origination, underwriting automation, risk scoring, repayment tracking, collections and investor portal management.

Wealth Management & WealthTech

Portfolio management platforms, robo-advisors, goal-based investment apps, algorithmic trading systems and financial planning tools.

Open Banking API Development

PSD2, FDX, and CDR-compliant open banking APIs — account aggregation, payment initiation services, financial data sharing and API marketplace development.

RegTech & Compliance Automation

AML transaction monitoring, KYC automation, sanctions screening, regulatory reporting automation, and risk management dashboards for financial institutions.

Neobank Platform Development

Full-stack neobank and challenger bank platforms with BaaS integration, virtual card issuance, instant account opening, and in-app financial services.

Case Studies

Real Projects. Real Results.

🇮🇳
Indian BNPL Startup

PayEasy — Buy-Now-Pay-Later Platform

India, 2023

Built a full BNPL platform including merchant checkout SDK, real-time UPI integration, ML credit scoring based on alternative data (UPI history, mobile usage), and a collections dashboard. Processed ₹200 Cr in loans in the first 8 months.

React Native Python ML AWS
₹200Cr
Loans disbursed in 8 months
🇸🇬
Singapore WealthTech

WealthPilot — Robo-Advisory Platform

Singapore, 2022

Developed a goal-based robo-advisor for a Singapore MAS-licenced wealth management firm. Features include risk profiling, automated portfolio rebalancing, SGX and US market integration, tax reporting tools, and a white-label B2B API.

Next.js Python PostgreSQL
$45M
AUM on platform in year 1
🇬🇧
UK Payment Company

OpenPay — Payment Orchestration Layer

United Kingdom, 2024

Built a payment orchestration platform routing transactions across Stripe, Adyen, Braintree and local PSPs — maximising approval rates through intelligent routing. Supports 38 currencies and 3D Secure 2.0 authentication across all channels.

Node.js Kafka GCP
38
Currencies supported globally
Technology

Technologies We Use for Fintech

💳
Payments
  • Stripe / Adyen
  • Razorpay / PhonePe
  • UPI / IMPS / RTGS
  • ISO 20022
  • SWIFT / SEPA
🤖
AI / ML
  • TensorFlow / PyTorch
  • XGBoost / LightGBM
  • OpenAI API
  • MLflow
  • Scikit-learn
⚙️
Backend
  • Java Spring Boot
  • Node.js
  • Python FastAPI
  • Apache Kafka
  • GraphQL
🔒
Compliance
  • PCI-DSS
  • AML / KYC
  • PSD2 / Open Banking
  • GDPR
  • SOC 2 Type II
FAQs

Frequently Asked Questions

Yes. All payment software we build follows PCI-DSS Level 1 standards — end-to-end encryption, tokenisation, secure key management, network segmentation, and quarterly vulnerability scans. We can also support your QSA audit process.

A well-scoped fintech MVP typically takes 12–16 weeks from kickoff to launch. This includes architecture design, API integrations, mobile app, backend services, and basic admin tooling. We prioritise shipping a lean, secure foundation and iterate from there based on real user data.

Yes — we've integrated with Modulr, Railsr (formerly Railsbank), Solarisbank, and Stripe Treasury for BaaS. For Indian markets, we integrate with NBFC partners, RBI-regulated payment aggregators and open banking APIs under the AA framework.

Absolutely. We build AML transaction monitoring systems, KYC document verification flows using OCR and face-match APIs, sanctions screening pipelines, and risk-scoring dashboards — all compliant with FATF guidelines and applicable local regulations.

Ready to Build Your Fintech Platform?

Book a free 30-minute architecture call. We'll review your product concept, identify regulatory requirements, and outline a realistic development roadmap.

Book Free Consultation 079 400 23024