Small and mid-sized businesses can count on fintech software development companies to build secure payment systems, automate finance, and grow quickly. This list highlights the top vendors delivering secure, high-impact fintech solutions.
Today, fintech for SMBs underpins a key part of the economy. Forbes states American SMBs offer 46% of jobs (59 million) and 43.5% of GDP. Post-pandemic, hiring has returned to pre-COVID levels, with businesses becoming more global and tech-savvy.
PCMI research for Visa shows that nearly one in three US SMBs already makes international payments and works globally. This shift demands faster transactions, better cybersecurity, reliable analytics, and smooth mobile experiences.
In this environment, fintech software development services become essential, as only specialized teams can design platforms that handle real transaction volumes, support global operations, and stay resilient under complex regulatory and technical demands.
Here is a selection of the 15 best fintech companies.
1. Computools
Experience: 12+ years on the marketTeam Size: 250+ engineers, analysts, designers, and QA specialistsDelivered Projects: 400+ solutions across 15+ countriesFintech Projects: 20+ platforms for banks, neobanks, payment providers, investment and insurance firmsKey Clients: Visa, Epson, IBM, Dior, Bombardier, British Council, FinmapCertifications ISO 9001, ISO 27001Awards & Recognition: IAOP Global Outsourcing 100; Clutch 4.9/5; Microsoft Partner; AWS Partner; ISO 9001 & ISO 27001; Comparably Best Company Culture, Compensation, Perks & Benefits; DOU Top IT Employers; DevOps Industry Awards Finalist; Global Presence: Offices in the EU, USA, UK, and the Middle East
Computools is an international tech provider delivering modern digital infrastructure for banks, fintech startups, and financial platforms. Over the past 12 years, the company has grown into one of the world’s most trusted fintech software development companies. Supported by a team of 250+ specialists and a portfolio of more than 400 projects delivered to clients across Europe, North America, and the Asia-Pacific region.
The company is included in the IAOP Global Outsourcing 100 list and operates under ISO 9001 and ISO 27001, which confirm stable processes and a high level of information security. Computools cooperates with Microsoft and AWS, and maintains a 4.9/5 rating on Clutch based on over 75 verified reviews.
The company’s competencies span the full cycle of financial products, from digital banking platforms and payment modules to investment systems. Credit engines, RegTech solutions, fraud detection tools, and AI-based analytics. The team actively modernizes legacy banking systems. Integrates open banking APIs, automates high-volume processes, and ensures compliance with PCI DSS, GDPR, SOC 2, DORA, and KYC/AML requirements.
Computools also helps financial products scale globally by implementing advanced payment mechanisms, modern encryption protocols. And blockchain components to work in both traditional and cryptocurrency environments.
Customer Feedback
According to customer feedback, working with Computools can accelerate financial transactions by up to 40% and reduce costs by 30%. Ensuring faster time-to-market and measurable ROI, even in the competitive financial industry.
2. Empat
Experience: 12+ years on the marketTeam Size: 250+ engineersDelivered Projects: 300+ digital products launched in 17+ countriesFintech Projects: Embedded finance SDKs, payout & commission engines, trading/“stock-market-like” apps, finance automation for marketplaces, and SaaSKey Clients: Porsche, Panasonic, Heinemann, CBRE, Transparency International, Obimy, FuelFinanceAwards & Recognition: Top 100 Fastest Growth 2025; clients raised $380M+ in 2023; Global Presence: Offices in San Francisco, London, and Kyiv; projects delivered across 30+ time zones.
Empat is a product studio that has been creating comprehensive digital solutions for fast-growing and systemic companies.
The company’s financial expertise encompasses the design of complex transactional systems, the architecture of financial modules, the automation of cash flows. And the implementation of mechanisms to ensure the transparency, accuracy, and security of financial transactions.
Empat works with structures that require stability under load, builds modular financial cores for platforms, integrates various payment mechanisms and external services. And designs financial analytics and control tools that facilitate data and risk management.
3. WeSoftYou
Experience: 6+ years on the marketTeam Size: 50–249 engineersDelivered Projects: 100+ digital products for clients across the US, UK, EU, and global marketsFintech Focus: Payment platforms, digital wallets, lending and mortgage systems, KYC/AML solutions, blockchain-driven financial productsKey Clients: U.S. Government, Fortune 500 companies, Unicorn and YC-backed startups, VC-funded enterprisesAwards & Recognition: Forbes Technology Council; Inc. 5000 (2025); Top 1% on Clutch; Top Blockchain Company;Global Presence: Offices in Miami, London, Warsaw, Kyiv, Lisbon; projects delivered across 8+ time zones
WeSoftYou is a software engineering company known for its balanced delivery approach, where cost, speed, and quality are aligned through a proprietary system of 36 development standards.
In the financial domain, WeSoftYou focuses on building platforms that handle complex payment flows, digital wallets, lending and mortgage logic, compliance workflows, and blockchain-enabled financial operations. The company creates systems that are secure, scalable, and stable, even when facing regulatory and technical challenges.
They incorporate flexible payment options, verification features, and smooth transaction management.
4. Ancient
Experience: 10+ years on the marketTeam Size: 50–249 senior engineersDelivered Projects: 150+ solutions for enterprise clients across the US and LATAMFintech Focus: Digital wallets, payment gateways, core banking modernization, BaaS, remittances, card issuance, payroll dispersionKey Clients: LATAM financial institutions, tech-driven enterprises, Fortune 500 teams, global fintech innovatorsAwards & Recognition: Featured by Forbes, Business Insider, TechTarget; top-rated on Clutch (4.9/5)Global Presence: Offices in Austin (TX), Mexico City, and LATAM delivery hubs; full time-zone alignment for US teams
Ancient is a nearshore engineering partner that helps tech-driven organizations scale product development, modernize legacy systems, and accelerate delivery. By embedding senior-level LATAM engineers directly into client teams.
The company operates in an “embedded engineering” model that ensures full-time zone synchronization with the US and seamless integration into existing customer processes.
In the financial sector, Ancient develops infrastructure solutions that support complex transaction processes and meet regulatory requirements. The company creates digital wallets, payment gateways, international transfer services, card servicing modules, funds distribution systems, and Banking-as-a-Service platforms.
5. Synodus
Experience: 5+ years on the marketTeam Size: 250–999 engineersDelivered Projects: 80+ solutions across finance, banking, healthcare, public sector, and retailFintech Focus: Digital wallets, payment systems, core banking modernization, BaaS, remittances, card issuance, payroll solutionsKey Clients: Leading banks in SEA, BOC Aviation, KPMG, Mandai Wildlife Group, Sovico Group, scaling fintech startupsAwards & Recognition: Clutch Top Developers for Financial Services; ISO 27001 readiness; featured in Forbes, TechTarget, Business InsiderGlobal Presence: Offices in Hanoi, Ho Chi Minh City, and Singapore.
Synodus is a Vietnam-based engineering company known for its speed, predictability, and product-driven delivery. It has grown into a technology partner for banks, financial institutions, hospitals, and fast-growing startups in Southeast Asia and beyond.
In the financial sector, Synodus designs and builds digital wallets, payment platforms, lending services, fund distribution systems, and internal banking mechanisms. And also participates in modernizing core banking systems for high-volume banks.
The company works with architectures that support high transaction rates, integrates payment gateways and KYC/AML modules, offers low-code approaches to accelerate time-to-market. And provides data solutions that help banks and fintech companies increase efficiency.
6. INOXOFT
Experience: 10+ years on the market
Team Size: 200+ in-house engineers
Delivered Projects: 200+ solutions delivered for startups, SMBs and enterprise clients
Fintech Focus: Banking platforms, loan automation, trading systems, CRM for banks, digital wallets, online payments, fraud detection, AI-driven credit scoring
Key Clients: Toshiba, Nivea, Vestel, Rhenus Logistics, APA Insurance, Slooh, UCSanDiego, ShelfSynergy
Awards & Recognition: ISO 27001 certified; Microsoft Gold Partner; Google Cloud Partner; ISTQB Silver Partner; recognized by Clutch and Lviv IT Cluster
Global Presence: HQ in Philadelphia; offices in Newark, Wrocław, Tallinn, and Lviv
Inoxoft is a global custom software engineering company specializing in building secure, scalable fintech solutions for startups, SMBs, and financial institutions.
The company blends strong technical execution with a mature product mindset. Its fintech expertise spans digital banking, trading systems, loan automation, CRM for banks, digital wallets, online payments, and AI-driven credit scoring.
Clients choose Inoxoft for its reliable delivery, strong communication, and ability to modernize financial workflows while maintaining compliance. From automating lending to integrating online payments and building trading platforms, the company helps clients reduce. Operational complexity and speed up digital transformation.
7. OAKS LAB
Experience: 9+ years on the marketTeam Size: 85+ specialistsDelivered Projects: 65+ software products built and launched for startups, scaleups, and enterprisesFintech Focus: Capital markets platforms, trading and investment tools, real estate investment products, payment optimization apps, lending workflows, productivity tools for investment bankingKey Clients: Capital Markets Gateway, Plotify, Reavo, Karus, Sett, Virtual Dining ConceptsAwards & Recognition: Clutch Global Winner & Clutch Champion; ISO 27001 certifiedGlobal Presence: HQ in Prague, Czech Republic; 80% of clients based in the US; strong presence in New York and other US tech hubs
OAK’S LAB is a product development partner focused on building custom web and mobile applications that drive measurable business outcomes.
In fintech, OAK’S LAB has built platforms for equity capital markets. Investment workflows, payment optimization, lending automation, and productivity tools for investment banks. Their teams cover the full product lifecycle from discovery, research, and UX to engineering. AI systems, and continuous versioning with a strong emphasis on product–market fit and real-world impact.
By combining modern JavaScript/TypeScript stacks (React, React Native, Next.js, Node.js) with AI and agentic systems. OAK’S LAB helps financial innovators launch robust. Scalable products that can handle complex data, regulatory constraints, and high user expectations.
8. LeanCode
Experience: 9+ years on the marketTeam Size: 80+ engineersDelivered Projects: 65+ applications across banking, fintech, FMCG, healthcare, well-being, and utilitiesFintech Focus: mobile banking built with Flutter, real-time payments, PSD2/Open Banking integrations, KYC/KYB/AML flows, card issuing & tokenization, subscription billing, scalable backends for high-volume transactionsKey Clients: Credit Agricole, Millennium, Xelion, Kontomierz, Maspex, Wedel, Shell, Activy, WellibaAwards & Recognition: Deloitte Fast50 CEE, Forbes Diamonds, Financial Times 1000, Clutch 100 Fastest GrowthGlobal Presence: Headquarters in Warsaw; clients across Europe, the US, and Australia
LeanCode is a Flutter Software Studio specializing in high-performance mobile and web applications for fintech, banking, and digital-first companies that need rapid development from a single codebase.
The company offers large-scale fintech solutions like mobile banking. Real-time payments, Open Banking, KYC/KYB/AML processes, card issuance, tokenization, credit modules, and secure financial platforms. LeanCode helps enterprise clients cut costs and speed up development by 2x, at half the cost of native solutions, without compromising performance or security.
LeanCode combines deep engineering expertise, a strong product mindset, and hands-on experience with complex financial technologies. Helping banks and fintech brands launch reliable digital products faster, safer, and more efficiently.
9. AgileEngine
Experience: 15+ years on the marketTeam Size: 1,000+ engineersDelivered Projects: 250+ digital products across the US, LATAM, and EuropeFintech Focus: Real-time transaction systems, AI-powered fraud detection, PSD2/Open Banking integrations, secure mobile banking apps, high-load backend architecturesKey Clients: VMware, Groupon, Delivery Hero, Shutterstock, NetApp, Centriq, Nationwide, AllstateAwards & Recognition: Inc. 5000 (9 years in a row), Deloitte Fast 500, Webby Awards mentionsSecurity & Compliance: ISO 27001 certified, strong privacy & cybersecurity standardsGlobal Presence: 15+ talent hubs across the US, Mexico, Argentina, Colombia, Brazil, Poland, Spain, India, Romania, and more
AgileEngine is a high-performing remote engineering partner delivering custom software, AI, data, and product design solutions for scaling tech companies.
The company creates full-stack digital solutions for mobile, web, backend, data, AI, and DevOps. Their carefully selected remote teams work seamlessly with clients, using AI tools to hire up to three times faster and boost productivity by 45%.
Backed by ISO 27001 certification and a global network of 15+ talent hubs, AgileEngine provides flexible engagement models from dedicated teams to fully managed product delivery. Helping clients accelerate innovation, scale engineering capacity, and solve their most demanding software challenges.
10. Accedia
Experience: 13+ years on the market Team Size: 250+ technology experts Projects Delivered: End-to-end digital solutions for clients in 20+ countries on 5 continentsFintech Focus: Core banking and lending platforms, AI-powered fraud detection, digital fund and wealth management, business banking portals, payment integration, cloud-native modernization, and cybersecurity for banks and fintechsKey Clients: Castle Trust Bank, Shawbrook Bank, Alexander Forbes, Lufthansa Technik, IBM, HPAwards & Recognition: IAOP, Forbes Technology Council, Banking Tech Awards, and Stevie Awards for Great EmployersGlobal Presence: HQ in Sofia (Bulgaria), serving EMEA, UK, and North America
Accedia is a European technology consulting and engineering partner with deep specialization in financial software development, from banking platforms and lending engines to AI-powered fraud prevention and cloud-native payment systems.
They provides solutions across the financial lifecycle: onboarding, KYC/KYB, credit scoring, loans, digital payments, investment platforms, transaction monitoring, and analytics. They specialize in high-load systems, secure banking integrations, open banking APIs, microservices for digital lending. And ML models for fraud, risk, churn, and personalization. They modernize legacy systems, reduce transaction times, secure cloud infrastructure, enable AI decision-making, and enhance cybersecurity.
For financial leaders looking for a long-term engineering partner that combines consulting depth, regulatory awareness, and high-performance delivery. Accedia provides the technical foundation and strategic guidance needed to scale digital finance with confidence.
11. BairesDev
Experience: 15+ years on the market Team Size: 4,000+ senior software engineersProjects Delivered: 1,200+ end-to-end solutions for 500+ clients across 100+ industriesFintech Focus: Online & mobile banking, payment processing systems, trading platforms, investment management software, AML/KYC automation, fraud detection, blockchain and tokenization tools, AI/ML-driven financial analytics, regulatory compliance systemsKey Clients: Google, Adobe, Pinterest, Johnson & Johnson, Rolls-Royce, Square, Urban Outfitters, NextRollAwards & Recognition: Ranked among the fastest-growing US companies by Inc. 5000; trusted by Fortune 500 brandsGlobal Presence: HQ in San Francisco (USA), delivery hubs across LATAM (Argentina, Brazil, Colombia, Mexico, Guatemala), serving clients in North America, Europe, APAC
BairesDev is a global technology partner delivering end-to-end software solutions for financial institutions, fintech startups, and enterprises undergoing digital transformation.
The company specializes in building secure, scalable financial platforms. Digital banking solutions, trading and portfolio systems, risk and compliance software, payment gateways, blockchain-based products. And AI/ML solutions for analytics, fraud detection, and automation.
Across all engagements, BairesDev emphasizes regulatory compliance, enterprise-grade security, and measurable results. Their teams modernize legacy financial infrastructure, integrate real-time data pipelines. Support PSD2/open banking architectures, and deliver mobile-first products for today’s financial consumers.
12. Jelvix
Experience: 15+ years on the market Team Size: 450+ technology professionalsProjects Delivered: Enterprise-grade digital solutions for clients across 10+ countries in North America, Europe, and APACFintech Focus: Digital banking platforms, payment systems, lending & credit solutions, blockchain development, Big Data & AI for financial analytics, fraud detection, security & risk management, omni-channel finance apps, legacy modernizationKey Clients: Samsung, KIA, Zeiss, IKEA, Canon, Auchan, Benzinga, ShtilAwards & Recognition: Listed in IAOP Global Outsourcing 100; ISO 9001, ISO 13485, ISO 27001, ISO 27701 certifications; Global Presence: HQ in Tallinn (Estonia) with delivery centers across Europe and Asia; serving fintech, healthcare, insurance, retail, logistics, and real estate sectors
Jelvix is a global technology partner delivering enterprise-grade software solutions for industry leaders, fast-growing fintech companies, and digital disruptors.
Its fintech expertise spans digital banking platforms, payment infrastructures. Lending systems, blockchain solutions, portfolio and wealth management tools, fraud-detection engines, and AI-driven analytics. Jelvix operates within certified ISO 9001, ISO 13485, ISO 27001, and ISO 27701 frameworks. Ensuring quality, regulatory compliance, and robust information security.
Jelvix helps organizations modernize legacy systems, accelerate time-to-market, and build custom digital products that support sustainable growth and operational excellence.
13. Osedea
Experience: 13+ years on the marketTeam Size: 50–249 expertsProjects Delivered: Custom digital products and intelligent automation solutions for manufacturing, finance, mining, health, agri-food, and enterprise clientsFintech Focus: Secure payment platforms, robo-advisory systems, AI-powered analytics, data integration and BI, security-first financial software, and scalable digital products for modern fintech teamsKey Clients: Desjardins, Journey Capital, Autodesk, CAE, Kruger, Promark Electronics, Syensqo, STM, Napoleon, UbisoftAwards & Recognition: SOC 2 Type 2 certified; recognized for innovation in AI, robotics, and digital product development;Global Presence: HQ in Montréal, working with clients across North America and global enterprise teams through multi-industry delivery
Osedea is a Canada-based innovation studio that blends software engineering. AI, UX/UI design, and robotics to build forward-thinking digital products for modern enterprises. With more than a decade of experience, the Montréal team delivers secure. Scalable technology across finance, manufacturing, mining, healthcare, and agri-food, pairing strong technical execution with a SOC 2 Type 2 security foundation.
In fintech, Osedea develops next-generation payment systems, robo-advisory solutions. AI-powered analytics, BI and data-integration pipelines, digital wallets, and security-driven financial applications built to grow with user demand.
The company works closely with clients to translate complex business needs into intuitive, high-performance software. Supported by an agile mindset and a collaborative, design-driven approach.
14. You are launched
Experience: 9+ years on the marketTeam Size: 50–249 developersProjects Delivered: 70+ launched startups, 20+ profitable products, long-term partnerships with founders scaling marketplaces, fintech apps, wellness platforms, AI solutions, and lifestyle productsFintech Focus: Mobile banking apps, digital wallets, trading & investment platforms, personal finance tools, insurance apps, AI-powered analytics, secure payment flows, KYC/AML integrationsKey Clients: Boundless, Cubin, Sahmik, Ctrl.Money, BorgGames, Wishew, Librarius, Youmari, Foodfuels, Promark ElectronicsAwards & Recognition: Ranked among top mobile & software development companies worldwide; Global Presence: HQ in Limassol with delivery teams in Cyprus and Ukraine; the USA, MENA, Australia, and the UK
You are launched is an MVP-focused software development partner that helps early-stage founders validate ideas. Build product-market fit, and launch scalable fintech and consumer applications.
With a strong Lean Startup methodology, the company minimizes budget waste and accelerates delivery through weekly sprints. Full transparency, real-time tracking, and a unique post-payment cooperation model.
Their team of product managers, designers, and engineers specializes in fintech apps from mobile banking and digital wallets to trading platforms. Personal finance tools, and insurance solutions, delivering secure, user-friendly, and compliant products.
15. Miquido
Experience: 13+ years on the marketTeam Size: 200+ expertsProjects Delivered: 250+ digital products across fintech, eCommerce, entertainment, travel, logistics, and other industriesFintech Focus: Custom mobile & web banking apps, AI-powered credit scoring and loan origination, digital banking platforms, personal finance apps, fraud detection, customer self-service, and cloud-ready, regulation-compliant financial solutionsKey Clients: BNP Paribas, Nextbank, SBAB, mBank, Monetas, Skyscanner, Abbey Road Studios, Warner MusicAwards & Recognition: Google Certified Agency; Financial Times Europe’s Fastest Growing Companies; Time “50 Best Apps of the Year”;Global Presence: HQ in Kraków, serving 100+ companies across Europe, North America, and Asia with remote-friendly, end-to-end delivery and team augmentation
Miquido is a Google-certified digital product studio with 13+ years of experience delivering AI-powered mobile and web solutions for global brands.
The company’s fintech expertise covers mobile banking, credit scoring, fraud prevention, digital wallets, AI-powered analytics, cloud migration, and regulatory compliance. Helping financial institutions streamline operations and accelerate digital transformation.
Miquido combines technical depth with strong product thinking. Their end-to-end delivery model strategy, design, development, AI, cloud, and long-term maintenance ensure predictable execution, transparency, and measurable business impact.
To sum up
In the coming years, fintech for SMBs will only become more demanding: regulations will tighten. AI will be applied to core infrastructure, and customers will expect banking-grade security in every product they touch. In that reality, the choice of a fintech software development company ceases to be a procurement decision and becomes a strategic one.
The right partner helps you move faster without breaking things: they understand compliance, design for real transaction loads, build for scale. And can modernize legacy systems without disrupting day-to-day operations.
This list is a shortcut to teams that have already proven they can ship stable. Secure financial products in complex environments. Whether you’re building your first lending engine or expanding a mature digital banking platform. Partnering with a strong fintech engineering team can be the difference between a fragile prototype. And a resilient financial product that grows with your business.
