Poland has a broad fintech engineering market, ranging from specialized banking software teams to product development companies working across payments, lending, wealth management, and financial data. The companies below have verifiable fintech or financial services experience together with headquarters, offices, or substantial development operations in Poland. This list compares their core capabilities, specializations, and local presence.
1. Itexus
Itexus builds custom fintech software for banks, fintech companies, investment firms, lenders, and brokers. Its projects include digital banking, lending, payments, digital wallets, and trading systems. It also builds wealth management platforms, onboarding and KYC workflows, and financial data products.
The team covers the whole product lifecycle: discovery, UX/UI, frontend and backend engineering, integrations, QA, and DevOps. It also modernizes older systems and supports products after launch. Itexus applies AI and machine learning to financial products and has a Polish office in central Warsaw.
Key Facts
- Best for: Complex fintech platforms and regulated financial products
- Core services: Fintech software development, web and mobile apps, integrations, modernization, AI, QA, DevOps
- Specialization: Digital banking, lending, payments, trading, wealth management
Contact Information
- Website: itexus.com
- E-mail: moc.suxeti@ofni
- Facebook: www.facebook.com/itexus
- Twitter: x.com/ItexusSoft
- LinkedIn: www.linkedin.com/company/itexus
- Instagram: www.instagram.com/itexus.soft
- Address: Twarda 14, 00-824 Warszawa, Poland
2. Neontri
Neontri is a Warsaw software engineering company that works mostly on banking, fintech, payments, and other regulated systems. It builds mobile banking apps, payment infrastructure, enterprise data platforms, system integrations, and AI tools for finance.
Its banking clients include PKO Bank Polski, KIR, Visa, and mBank. Neontri pairs product engineering with data, payments, mobile development, outsourcing, and modernization. It is a strong choice for organizations that run on established financial infrastructure.
Key Facts
- Best for: Banks and fintech companies with complex financial infrastructure
- Core services: Banking software, fintech development, payments, mobile apps, data platforms, AI
- Specialization: Regulated financial systems and banking technology
- Notable strength: Extensive experience with Polish banking and payment infrastructure
Contact Information
- Website: neontri.com
- E-mail: moc.irtnoen@tcatnoc
- LinkedIn: www.linkedin.com/company/neontri
- Address: Puławska 2, 02-566 Warszawa, Poland
- Phone: +48 730 007 717
3. Netguru
Netguru offers fintech app development and financial technology consulting as part of its wider digital product work. It builds mobile and web apps, payment products, digital wallets, investment platforms, and banking solutions. It also builds systems that connect to open finance and financial APIs.
Its finance team also works on AI, data, cloud, product design, compliance workflows, and modernization. Public case studies cover banking apps, payments, KYC solutions, credit card technology, and established financial organizations. Netguru is headquartered in Poznań.
Key Facts
- Best for: Fintech products combining engineering, product design, and consulting
- Core services: Web and mobile development, fintech apps, AI, cloud, API integrations, UX/UI
- Specialization: Banking, payments, fintech, regtech, wealthtech
- Notable strength: Finance-focused product design combined with full software engineering
Contact Information
- Website: www.netguru.com
- E-mail: moc.urugten@olleh
- LinkedIn: www.linkedin.com/company/netguru
- Address: Nowe Garbary Office Center, ul. Małe Garbary 9, 61-756 Poznań, Poland
4. STX Next
STX Next builds enterprise software for financial services organizations, combining software engineering, cloud, data engineering, and AI. Its finance work covers banking, fintech, lending, wealth management, and tax technology. It also builds treasury, financial planning, and compliance applications.
The company builds new platforms and modernizes existing ones. Past work includes lending portals, portfolio tools, transaction reconciliation, financial data systems, and integrations. Its Polish teams are based in Poznań, and it suits companies that want an established team with deep Python, cloud, data, and AI skills.
Key Facts
- Best for: Enterprise financial software and data-intensive fintech systems
- Core services: Software development, AI, data engineering, cloud, application modernization
- Specialization: Banking, fintech, wealth management, lending, financial data
- Notable strength: Strong Python, data, AI, and cloud engineering capabilities
Contact Information
- Website: www.stxnext.com
- E-mail: moc.txenxts@ssenisub
- Facebook: www.facebook.com/StxNext
- LinkedIn: www.linkedin.com/company/stx-next-ai-solutions
- Instagram: www.instagram.com/stx_next
- Address: ul. Mostowa 38, 61-854 Poznań, Poland
5. Miquido
Miquido is a Kraków software development company with its own fintech practice. It works on digital banking, mobile finance apps, credit scoring, loan origination, AI, and financial product development. Its fintech clients include BNP Paribas, Nextbank, SBAB, and mBank.
The company handles product strategy, design, mobile and web engineering, AI, and backend development. Financial companies can use Miquido for the customer app and for the integrations and data features that keep it running.
Key Facts
- Best for: Mobile-first banking and fintech products
- Core services: Mobile development, web development, AI, product design, backend engineering
- Specialization: Banking apps, credit scoring, lending, financial AI
- Notable strength: Combination of fintech product engineering and mobile development
Contact Information
- Website: www.miquido.com
- E-mail: moc.odiuqim@olleh
- LinkedIn: www.linkedin.com/company/miquido
- Twitter: x.com/miquido
- Facebook: www.facebook.com/miquido
- Instagram: www.instagram.com/miquido
- Address: Zabłocie 43a, 30-701 Krakow, Poland
- Phone: +48 536 083 559
6. Altkom Software
Altkom Software builds technology for banks, insurers, and leasing companies. It offers custom software engineering alongside ready platforms for digital banking, loan origination, insurance operations, and leasing.
The company also provides application modernization, cloud, data, AI, security, performance engineering, and UX services. Its long focus on finance suits banks and insurers that need new technology to fit into existing enterprise systems, not a standalone customer app.
Key Facts
- Best for: Banks, insurers, and leasing companies
- Core services: Software engineering, digital banking, loan origination, data, cloud, AI
- Specialization: Banking, insurance, leasing
- Notable strength: Purpose-built platforms combined with custom financial software engineering
Contact Information
- Website: www.altkomsoftware.com
- E-mail: moc.erawtfosmoktla@olleh
- Facebook: www.facebook.com/altkomsoftware
- LinkedIn: www.linkedin.com/company/altkom-software
- Address: ul. Przyokopowa 33, 01-208 Warszawa, Poland
7. 10Clouds
10Clouds has a dedicated practice for financial institutions, fintech, banking, payments, and insurance. It builds payment systems, wallets, onboarding, KYC and AML workflows, and lending apps. It also builds banking interfaces, integrations, and modernizes older systems.
The Warsaw company has added AI services for finance: automation, document processing, risk review workflows, analyst tools, and AI-driven banking operations. With engineering, financial domain work, product design, and AI in one team, it fits companies building or modernizing digital financial services.
Key Facts
- Best for: Fintech and banking products with an AI component
- Core services: Fintech development, web and mobile engineering, AI, automation, UX/UI
- Specialization: Banking, payments, insurance, financial AI
- Notable strength: Financial software combined with AI implementation and automation
Contact Information
- Website: 10clouds.com
- E-mail: moc.sduolc01@olleh
- Facebook: www.facebook.com/10Clouds
- Twitter: x.com/10clouds
- LinkedIn: www.linkedin.com/company/10clouds-com
- Instagram: www.instagram.com/10clouds
- Address: Chmielna 73, 00-801 Warsaw, Poland
- Phone: +48 573 173 773
8. Pragmatic Coders
Pragmatic Coders is a Kraków product development company, and fintech is one of its main industries. It builds custom financial products for startups and established financial businesses. Its services include product discovery, architecture, software engineering, modernization, and long-term product development.
In fintech, it builds banking apps, payment integrations, digital wallets, and investment and wealth management products. The company has also worked with digital banking organizations, so its teams know the technical and product needs of modern financial services.
Key Facts
- Best for: Fintech startups, scale-ups, and digital product teams
- Core services: Custom software, product development, modernization, payment integrations
- Specialization: Banking, payments, wallets, wealth and investment software
Contact Information
- Website: www.pragmaticcoders.com
- E-mail: moc.sredoccitamgarp@tcatnoc
- Facebook: www.facebook.com/pragmaticcoders
- LinkedIn: www.linkedin.com/company/pragmatic-coders
- Address: ul. Opolska 100, 31-323 Kraków, Poland
- Phone: +48 783 871 783
9. Software Mind
Software Mind provides software engineering and consulting to financial services companies through dedicated fintech teams. Its work includes financial product development, AI and data, system modernization, and open banking. It also handles software architecture and platforms with many integrations.
The company helps financial organizations at different stages of digital transformation. It builds new applications, extends existing development teams, and improves current technology. Software Mind is headquartered in Kraków and has Polish offices in Warsaw, Rzeszów, and Wrocław.
Key Facts
- Best for: Large financial technology programs and engineering team extension
- Core services: Fintech development, consulting, AI, data, modernization, dedicated teams
- Specialization: Financial services and fintech
- Notable strength: Broad engineering capacity across software, data, and AI
Contact Information
- Website: softwaremind.com
- Facebook: www.facebook.com/lifeatsoftwaremind
- LinkedIn: www.linkedin.com/company/software-mind
- Instagram: www.instagram.com/lifeatsoftwaremind
- Address: Al. Jana Pawła II 43B, 31-864 Kraków, Poland
10. Future Processing
Future Processing is a technology consulting and software delivery company headquartered in Gliwice. Its finance practice helps fintech businesses, banks, and financial enterprises with software development and digital transformation.
Published projects include loan and mortgage comparison apps, blockchain-based financial systems, and online banking technology. The company also offers legacy modernization, data migration, AI and machine learning, microservices, security, cloud, and process automation. It fits both new fintech projects and upgrades of established financial platforms.
Key Facts
- Best for: Financial platform modernization and complex enterprise software
- Core services: Custom software, cloud, AI and ML, modernization, data, security
- Specialization: Banking, fintech, financial enterprises
- Notable strength: Combining technology consulting with full software delivery
Contact Information
- Website: www.future-processing.com
- E-mail: moc.gnissecorp-erutuf@selas
- Facebook: www.facebook.com/FutureProcessing
- LinkedIn: www.linkedin.com/company/future-processing
- Instagram: www.instagram.com/futureprocessing
- Address: Bojkowska 37A, 44-100 Gliwice, Poland
- Phone: +48 32 461 23 00
11. Brainhub
Brainhub is a Polish software engineering company with a dedicated fintech development service. It works with startups, scale-ups, banks, credit unions, and other financial organizations. Its teams build web, mobile, and desktop products and handle architecture, product design, cloud engineering, and QA.
Fintech, banking, and accounting are among Brainhub's named industries. The company focuses on scalable architecture and apps with many integrations. That helps financial products that process large data flows or connect to several external services.
Key Facts
- Best for: Fintech startups and scale-ups developing digital products
- Core services: Web, mobile and desktop development, cloud, architecture, QA, UX/UI
- Specialization: Fintech, banking, accounting
- Notable strength: Product engineering focused on scalable software architecture
- Location: Poland, US
Contact Information
- Website: brainhub.eu
- E-mail: ue.buhniarb@selas
- Facebook: www.facebook.com/brainhubapps
- Twitter: x.com/Brainhubeu
- LinkedIn: www.linkedin.com/company/brainhub-pl
- Phone: +48 733 707 758
- Address: 25 SE 2nd Ave Ste 550 PMB 1203, Miami, FL 33131, United States
12. Stratoflow
Stratoflow is a Wrocław custom software company with dedicated fintech and insurance teams. It specializes in high-performance Java systems, cloud software, AI, data-heavy applications, and dedicated development teams.
The company has built financial software that handles large-scale transaction processing and complex calculations. Choose Stratoflow when a fintech project needs more than a customer interface: fast backend systems, financial engines, and data platforms.
Key Facts
- Best for: High-performance financial platforms and backend-heavy fintech products
- Core services: Custom software, Java, cloud, AI, dedicated teams
- Specialization: Fintech, insurance, data-intensive enterprise systems
- Notable strength: High-performance Java and financial data systems
Contact Information
- Website: stratoflow.com
- E-mail: moc.wolfotarts@tcatnoc
- Facebook: www.facebook.com/Stratoflow
- Twitter: x.com/stratoflow
- LinkedIn: www.linkedin.com/company/stratoflow-company
- Address: Łaciarska 4, 50-104 Wrocław, Poland
- Phone: +48 71 707 0395
13. Net-devs
Net-devs is a Warsaw engineering company that builds software for regulated fintech environments. It designs systems where security, auditability, uptime, data protection, and operational resilience are part of the architecture from the start.
The company also does backend and frontend development, cloud and platform engineering, AI, QA, legacy modernization, and dedicated engineering teams. For finance, net-devs builds payment and trading systems with audit trails, access controls, encryption, and other features regulated software needs.
Key Facts
- Best for: Regulated fintech systems and modernization projects
- Core services: Custom engineering, cloud, AI, frontend, QA, modernization
- Specialization: Fintech, enterprise software, high-reliability systems
- Notable strength: Engineering centered on auditability, security, and reliability
Contact Information
- Website: net-devs.com
- E-mail: moc.sved-ten@tcatnoc
- LinkedIn: www.linkedin.com/company/net-devs
- Address: Obrzeżna 1D, 02-691 Warszawa, Poland
- Phone: +48 571 282 759
14. Gilzor
Gilzor builds and modernizes web and mobile software for fintech companies, and its Warsaw office supports its European work. It builds customer apps as well as the architecture, integrations, and workflows behind transaction-heavy products.
In one fintech project, Gilzor modernized a cryptocurrency exchange app with real-time trading, multi-currency wallets, withdrawals, transfers, and identity verification. It also offers web and mobile development, UX/UI, business analysis, and application audits, which covers most of what a fintech product team needs.
Key Facts
- Best for: Mobile and web fintech applications requiring modernization
- Core services: Mobile development, web development, UX/UI, business analysis, application audits
- Specialization: Fintech products and transaction-heavy applications
- Notable strength: Mobile fintech engineering and modernization of existing products
Contact Information
- Website: www.gilzor.com
- E-mail: moc.rozlig@stcatnoc
- LinkedIn: www.linkedin.com/company/gilzor-softwaredevelopment
- Address: Office 58, Adama Mickiewicza 37, 01-625 Warsaw, Poland
15. Asseco Poland
Asseco Poland is a major Polish software producer with a large banking and financial services business. Its banking products cover core banking, payment processing, omnichannel banking, regulatory reporting, and capital markets. It also offers specialized systems for commercial and cooperative banks.
Asseco works deep inside large financial institutions and long-running transaction systems. It offers its own financial software plus custom development, implementation, and integration. Banks looking for enterprise-scale, sector-specific systems are its main fit.
Key Facts
- Best for: Banks and large financial institutions
- Core services: Banking software, core systems, payments, capital markets, integrations
- Specialization: Commercial banking, cooperative banking, financial infrastructure
- Notable strength: Long-standing specialization in enterprise banking systems
Contact Information
- Website: pl.asseco.com
- E-mail: lp.ocessa@ofni
- LinkedIn: www.linkedin.com/company/asseco-poland
- Twitter: x.com/asseco_pl
- Address: Olchowa 14, 35-322 Rzeszów, Poland
- Phone: +48 17 888 55 55
16. Grape Up
Grape Up is a Kraków-headquartered technology company that delivers software, cloud, data, and AI solutions to financial services organizations. Its finance practice builds digital products, modernizes applications, and develops data platforms. It also uses AI to automate processes and improve decisions in financial operations.
The company builds new financial apps and modernizes existing platforms. It combines software engineering with cloud-native architecture, data engineering, generative AI, and application modernization. In Poland, Grape Up works from Kraków and has development centers in Białystok and Wrocław.
Key Facts
- Best for: Financial software modernization, cloud, data, and AI projects
- Core services: Custom software, application modernization, cloud, data platforms, AI
- Specialization: Financial services, digital products, data-intensive applications
- Notable strength: Combining financial software engineering with cloud, data, and AI capabilities
Contact Information
- Website: grapeup.com
- Facebook: www.facebook.com/grapeup
- Twitter: x.com/grapeupinc
- LinkedIn: www.linkedin.com/company/grape-up
- Instagram: www.instagram.com/grape.up
- Address: ul. Żółkiewskiego 17A, 31-539 Kraków, Poland
- Phone: +48 12 416 11 49
17. Future Mind
Future Mind is a Warsaw-based digital product company that builds mobile apps, web platforms, cloud systems, and data-driven products. In fintech, it builds payment solutions and apps for Polish financial technology and payment companies. These connect customer apps to backend integrations and secure transaction infrastructure.
For PayTel, Future Mind built a React Native app for digital contract signing and terminal activation. For Żappka Pay, it built an in-app payment solution that ties together payment infrastructure, POS systems, tokenized cards, authentication, and a mobile app. It also offers product design, cloud, web and mobile engineering, data, and AI.
Key Facts
- Best for: Mobile payment products and customer-facing fintech applications
- Core services: Mobile development, web development, cloud, product design, data and AI
- Specialization: Payments, mobile fintech, digital products
- Notable strength: Experience integrating mobile applications with complex payment infrastructure
Contact Information
- Website: www.futuremind.com
- E-mail: moc.dnimerutuf@olleh
- Facebook: www.facebook.com/futuremindcom
- LinkedIn: www.linkedin.com/company/future-mind
- Address: Puławska 182, 02-670 Warszawa, Poland
- Phone: +48 22 253 38 31
18. The Codest
The Codest is an international software development company with hubs in Kraków and Warsaw and a dedicated focus on fintech and digital banking. It builds custom software, backend systems, APIs, and open banking environments. It also handles cloud infrastructure, DevOps, and development team extension.
The company works with regulated financial platforms and focuses on scalable architecture, auditability, resilience, and integrations with financial systems. Its fintech work includes building verification services and supplying engineers to fintech API teams. It also offers frontend development, data engineering, AI, QA, and cloud engineering.
Key Facts
- Best for: Digital banking platforms and fintech engineering team extension
- Core services: Custom software, backend development, APIs, cloud, DevOps, data engineering
- Specialization: Fintech, banking, regulated digital platforms
- Notable strength: Backend and API engineering for regulated financial environments
Contact Information
- Website: thecodest.co
- LinkedIn: www.linkedin.com/company/codest
- Facebook: www.facebook.com/TheCodest
- Address: Fabryczna Office Park, Aleja Pokoju 18, 31-564 Kraków, Poland
19. SoftPro
SoftPro is a Warsaw-based custom software company that builds web applications, cloud platforms, AI solutions, and enterprise software. It works mainly with .NET, ASP.NET Core, Azure, React, and other Microsoft technologies. It builds new products and modernizes existing systems.
The company also offers its engineering services to fintech startups, payment platforms, and financial services organizations. Its backend development, cloud infrastructure, data integration, workflow automation, and long-term support suit financial products that need custom business logic and infrastructure that can scale.
Key Facts
- Best for: Custom fintech platforms built with Microsoft technologies
- Core services: Custom software development, web applications, cloud development, AI, modernization
- Specialization: .NET, Azure, React, enterprise software
- Location: Warsaw, Poland
- Notable strength: Microsoft-stack development combined with cloud and application modernization expertise
Contact Information
- Website: soft-pro.pl
- LinkedIn: www.linkedin.com/in/kyrylo-o
- Phone: +48 571 282 759
- Address: 13 Erasmus Ciołka St. 401, Warsaw, Mazowieckie Voivodeship, Poland
Conclusion
Poland offers fintech buyers a wide choice of software partners, from teams focused on mobile-first financial products to established vendors building core banking, payment, lending, data, and enterprise financial systems. The strongest choice depends on whether the project requires a complete new product, modernization of an existing platform, specialized banking knowledge, additional engineering capacity, or advanced AI and data capabilities.
For complex fintech products, buyers should compare domain experience as carefully as technical capability. Security architecture, integrations, financial workflows, regulatory requirements, scalability, and long-term maintenance can be just as important as the frontend or mobile technology used to build the product.