Software · Fintech

Fintech App Development

Fintech products built with security and compliance in the design.

We build fintech apps and platforms: lending and loan management, payment and wallet apps, collections, investment dashboards and partner integrations, with KYC workflows, strong security, audit trails and design that respects regulatory requirements.

Lending and payments
KYC workflows
Audit trails

Book a free consultation →See proof of capability

Free 30-minute call with a senior specialist. Reply within one business day. Based in Jaipur, working with businesses across India.

How we deliverFintech App Development

Fixed-scope start

Discovery callFree 30 minutes with a senior specialist
Scoped first phaseWritten scope, timeline and fixed price
Build with weekly demosWorking software you can see every week
Launch and supportGo-live with your team ready, then ongoing support

Focus areas

Lending and paymentsKYC workflowsAudit trails

2 weeksfixed-price Discovery Sprint

Weeklyworking demos

5governance gates

Quick answer

What is fintech app development?

Fintech app development builds financial products such as lending platforms, payment apps, wallets and investment tools. Stack18 builds them with KYC workflows, security controls, audit trails and integrations with banks and payment partners, designing around regulatory requirements that your counsel or compliance team specifies.

Last reviewed 31 October 2026 by the Stack18 delivery team in Jaipur. Security and AI governance · Pricing · About Stack18

Fintech App Development at a glance
What it covers	Product and onboarding; Core money flows; Lending operations; Security and compliance; Partners and APIs.
Typical first step	Discovery Sprint: 2 weeks; fixed price.
Custom build	Fixed-scope first release: agreed in discovery; fixed price after discovery.
Long-term option	Transformation Pod: 12–36 months; annual contract.
Measured by	Onboarding completion; Time to disbursal; Collection efficiency; Reconciliation time. Each against an agreed baseline.
Governance	Human approval at 5 governance gates before anything reaches production. NDA available on request.
Delivery team	Based in Jaipur, India. A senior specialist replies within one business day.

Is this you?

You need this when…

Tap the ones that apply to you.

Most teams we work with recognise two or three of these.

Talk to an expert about this

What we deliver

Fintech App Development, end to end.

Each capability is delivered by the same team on the Agentic SDLC, with your approval at every critical step.

Product and onboarding

Onboarding with KYC workflows, consent capture and risk-based steps gives a smooth but compliant journey.

Onboarding and KYC workflows
Consent capture
Risk-based steps

Core money flows

Ledger and wallet logic, payment and settlement integration and reconciliation make money flows reliable.

Ledger and wallet logic
Payment and settlement integration
Reconciliation

Lending operations

Application to disbursal, repayment schedules and collections and customer communication put the loan lifecycle on one system.

Application to disbursal
Repayment schedules and collections
Customer communication

Security and compliance

Encryption and access control, audit trails and compliance reporting hooks are designed for review.

Encryption and access control
Audit trail on every change
Compliance reporting hooks

Partners and APIs

Bank and payment APIs, credit bureau and verification services and reliable webhooks connect the product to its partners.

Bank and payment APIs
Credit bureau and verification
Webhook reliability

How we work

A typical engagement, step by step.

Senior people lead every phase. Specialised AI agents on the Agentic SDLC handle the repetitive work, and nothing ships without your approval.

01Week 1

Discovery

We map today's process, systems and data for product and onboarding; core money flows; and lending operations, talk to the people who run it and agree the baseline for onboarding completion and time to disbursal so progress is measured from week one.

You getScope, baseline and fixed price

AgentsCompassDraft

02Weeks 2–3

Design

We design the flows, roles, approvals and integrations for product and onboarding; and core money flows, and review a clickable prototype with the people who will use it before anything is built.

You getBlueprint, prototype and plan

AgentsBlueprint

03Build phase

Build in weekly demos

We build in weekly demos, starting with product and onboarding, then core money flows and lending operations. Each release is tested on your own data and passes a human approval gate before the next begins.

You getA working release every week

AgentsWeldGridWatch

04Go-live

Launch and support

We migrate data, train your team and support go-live. After 30 days we review onboarding completion, time to disbursal and collection efficiency against the baseline and agree what to extend next.

You getLive system, trained users and a 30-day review

AgentsLaunchPulse

Offer

Start small. Scale when it works.

Every engagement begins with a short, fixed-price step so you can judge the fit before committing further. See pricing.

Start here

Discovery Sprint

Teams deciding which of product and onboarding; core money flows; and lending operations to build first, and what it should cost.

Duration: 2 weeks
Pricing: Fixed price

Scoped plan and timeline
Team and fixed price
Process map or prototype

Start with Discovery Sprint

Custom route

Fixed-scope first release

Teams that know the outcome they need from fintech app development and want a fixed-scope first release.

Duration: Agreed in discovery
Pricing: Fixed price after discovery

Written scope and acceptance criteria
Weekly demos
Handover with documentation

Discuss Fixed-scope first release

Long-term

Transformation Pod

Organisations running fintech app development across several teams, sites or systems over years.

Duration: 12–36 months
Pricing: Annual contract

Dedicated cross-functional team
Quarterly business reviews
One accountable partner

Discuss Transformation Pod

Proof of capability

What we have shipped, and what a typical engagement looks like.

Delivered projects link to the full case study. Illustrative scenarios describe typical engagements and are not named client results.

Illustrative scenario

Digital lending startup

Challenge: Compliance questions delaying product; manual collections.
What we do: Lending platform with KYC workflow, ledgers and collections.
We would measure: onboarding completion, time to disbursal and collection efficiency, against a baseline agreed in week one.

Scoped in a 2-week sprint

171modules across 6 ready-made solutions, each priced in rupees

10specialised AI agents on the Agentic SDLC

5human governance gates before anything reaches production

2018founded in Jaipur by Prateek Mathur

₹0per-user licence fees on every ready-made solution

1 daysenior specialist reply to every enquiry

Free for qualified businesses

Free fintech product review

Tell us where fintech product hurts most. We map what to fix first, whether ready-made or custom fits, and a realistic first step.

Where to start and why
Ready-made vs custom view
Indicative timeline

Request your free fintech product review

Outcomes we measure

We agree targets before we start.

Every engagement has a baseline and a target on the measures that matter to you, reported at every read-out.

Onboarding completionbaseline vs target

Time to disbursalbaseline vs target

Collection efficiencybaseline vs target

Reconciliation timebaseline vs target

Security findings closedbaseline vs target

Uptimebaseline vs target

FAQ

Fintech App Development questions.

Ask us anything

Do you provide regulatory licences?

No. Licensing and regulation are your responsibility. We build software that follows requirements your compliance team and counsel give us.

Is it secure enough for financial data?

We design with encryption, access control, audit trails and security testing, and agree standards in discovery. Access is role-based, actions are logged and data handling terms are agreed in writing before work starts.

Can you integrate with banks and bureaus?

Where you have authorised access, we integrate through their APIs. We confirm versions, plans and API limits during discovery, so there are no surprises on integration day.

Do you build for NBFCs?

Yes. See our RBI-aware software page for regulated lending.

How do we start?

With a two-week Discovery Sprint that settles scope, partners and compliance inputs. The first step is a free 30-minute call with a senior specialist, followed by a fixed-price Discovery Sprint that settles scope, plan and cost.

How much does fintech app development cost?

Every engagement starts with a fixed-price Discovery Sprint that produces scope, a plan and a quote. Custom work is quoted at a fixed price once the scope is clear. Changes are agreed in writing before they are built, so the price you approve is the price you pay.

How do you measure success for fintech app development?

In week one we agree a baseline for onboarding completion, time to disbursal and collection efficiency. We report them at every weekly demo and review them against the baseline 30 days after go-live, so results are measured rather than assumed.

What should we prepare before the first call?

Bring a short description of how fintech app development works today, examples of the documents or screens your team uses, and the three numbers that matter most to you. A senior specialist will use them to outline a first step and a fixed price.