FinTech app development for products that move money
We build banking, payments, lending, and personal finance apps with the security and auditability that partner banks, investors, and regulators expect. Compliance-heavy pieces like card storage and identity checks run through proven providers, keeping your scope smaller.
Book a discovery callFinTech apps we build
Digital banking
Account views, transfers, card controls, and alerts, usually on top of a banking-as-a-service partner.
Payments and wallets
Peer-to-peer payments, merchant checkout, and stored payment methods.
Lending
Applications, document collection, decisioning workflows, and repayment.
Personal finance
Budgeting and account aggregation through open banking data providers.
Investing
Portfolio views, trade flows, and statements built on brokerage APIs.
Insurance
Quotes, policy management, and claims with photo upload.
Regulation and compliance
Your legal team owns licensing decisions. We build the product so it supports those obligations.
FinTech is one of our delivery verticals alongside healthcare, retail, energy, and enterprise SaaS.
- PCI DSS for card data. Tokenized payment providers keep raw card numbers off your servers and reduce scope.
- KYC and AML checks through identity verification providers, with results logged for audit.
- Gramm-Leach-Bliley Act privacy and safeguards requirements for consumer financial data.
- SOC 2 expectations from bank partners and enterprise customers, supported by access logs and change management.
- State money transmitter licensing, which your counsel should review before you hold or move funds.
Security built for financial apps
OWASP MASVS L2
Mobile security controls at the higher verification level suited to financial apps.
Strong authentication
Biometric login, device binding, and step-up checks for sensitive actions.
Ledger accuracy
Double-entry ledgers and idempotent transactions so balances always reconcile.
Fraud signals
Velocity checks, device risk scoring, and alerts reviewed by your operations team.
How we run FinTech projects
Each stage has a clear output, so you always know what you’re paying for and what comes next.
Discovery
We map users, goals, risks, and must-have features, then agree on a written scope, milestones, and estimate before design starts.
UX and UI design
Wireframes and a clickable prototype let you test the flow with real users before a line of production code is written.
Build in sprints
Two-week sprints end with a working build you can install on your own phone, plus a short demo and a list of what’s next.
Testing and QA
Automated tests, device testing, accessibility checks, and security review run throughout the build, not just at the end.
Launch
We prepare store listings, handle App Store and Google Play submission, and set up analytics and crash reporting.
Support and growth
After release we monitor stability, ship OS updates, and plan the next features based on real usage data.
Frequently asked questions
Do we need to be PCI DSS compliant?
If your systems store, process, or transmit cardholder data, yes. Using a tokenizing payment provider can reduce how much of your system falls in scope. Confirm requirements with a qualified assessor.
Can you integrate with Plaid or a banking-as-a-service provider?
Yes. We integrate with data aggregation, payments, card issuing, and identity providers through their APIs.
How do you protect financial data on the phone?
We avoid storing sensitive data on the device where possible, use platform keychains and secure enclaves, and block common tampering and screen-capture risks.
Can you work with our compliance team?
Yes. We share architecture diagrams, data flow maps, and control evidence to support their reviews.
Related services
Building a financial product?
Tell us about your partners and launch market. We’ll outline a secure, auditable architecture.
- info@tactionsoft.com
- +1 (307) 459-0850 · +1 (512) 299-0926
- Chicago, IL · Cheyenne, WY · Austin, TX · Sacramento, CA