Fintech software development company
Fintech Software Development Services
Itexus builds regulated financial products for banks, brokers, lenders, insurers and fintech companies: digital banking, trading and wealth platforms, payments, lending and AI. 300+ fintech projects delivered since 2013.
- 13+years in fintech engineering
- 300+fintech projects delivered
- 250+clients in 23 countries
- 150+experienced engineers
- 4.9on Clutch, 40 reviews
Built for and integrated with
A fintech-focused engineering company
A fintech software development company that speaks the industry’s language
Generic teams underperform on fintech projects: they misread financial business logic and data models and miss the implicit architecture requirements of regulated products. Itexus applies domain knowledge accumulated across 300+ fintech projects, and reuses proven components where they fit.
Our teams cover the full lifecycle, from discovery and architecture to development, QA, DevOps and production support. We work with startups launching a first product and with enterprises modernizing systems that cannot stop for a day, including a top-7 U.S. credit union with $19B in assets and one of the world’s top-7 asset managers.
- Fintech competence center — knowledge from 300+ projects in banking, trading, wealth, payments, lending and insurance
- Integration specialists — Open Banking, KYC, broker, exchange, payment and core banking APIs
- Architects for regulated systems — auditability, data integrity and resilience designed in from the start
- Legacy modernization without disruption — phased replacement, anti-corruption layers and parallel runs instead of big-bang rewrites
- AI-accelerated delivery — up to 30% faster time-to-market under senior architect review
Fintech development services
Fintech software solutions we build
Custom fintech software development across the whole range of financial products, by one team of fintech software developers. Each area below has its own practice, case studies and reusable foundations.
Digital banking
Mobile and online banking platforms, onboarding and core banking integration for banks and credit unions.
- Digital account opening and KYC automation
- Card issuing and card management
- Core banking integration and modernization
Payments and digital wallets
PCI DSS-compliant payment products: wallets, gateways, money transfer and B2B billing.
- Wallets, P2P and cross-border transfers
- Payment gateway and processor integrations
- Invoicing, reconciliation and payouts
Trading and brokerage
Multi-asset trading platforms, brokerage back offices and algorithmic trading systems.
- Web and mobile trading applications
- Order and execution management, FIX connectivity
- Real-time market data and analytics
Lending
Loan origination, servicing and credit decisioning for banks and non-bank lenders.
- Digital lending and automated underwriting
- Credit scoring models
- Supply chain and SME finance platforms
Wealth and investment management
Platforms for advisers, asset managers and digital investing products.
- Robo-advisory and model portfolios
- Portfolio analytics and risk management
- Adviser workflows and client dashboards
Insurance
Policy, underwriting and claims systems for insurers, brokers and agencies.
- Policy administration
- Automated claims management
- Agent, broker and customer portals
Neobank apps
Mobile-first banks built on BaaS providers or a white-label foundation.
- Onboarding, accounts and cards
- Early pay, microloans, remittances
- White-label mobile banking apps
Blockchain and digital assets
Custody, exchange and tokenization infrastructure with compliance built in.
- Digital asset wallets and custody
- Smart contract development and auditing
- Transaction monitoring and investigations
AI for financial services
LLM, RAG and machine learning features that stay inside risk and compliance guardrails.
- Document intelligence and copilots
- Credit scoring and fraud detection
- On-premise and private LLM deployment
White-label foundations
White-label fintech products for a faster launch
Many financial products share the same core building blocks. Itexus provides white-label solutions built on reusable foundations — a fast launch with full flexibility for customization.
Digital banking platform
- Customer onboarding, user profiles and KYC workflows
- MFA, OTP, biometrics and secure session management
- Accounts, balances, transaction history and statements
- Payments, transfers, wallet top-ups and money movement
- Virtual and physical cards, limits, controls and blocking
- Dashboards, transaction analytics, budgeting and spending insights
- Alerts, notifications, reminders and in-app support
Algorithmic trading platform
- Strategy builder with technical indicators and custom rules
- Backtesting, paper trading and live trading modes
- Real-time and historical market data processing
- Automated execution with stop-loss, take-profit and exposure controls
- Broker adapters, FIX and WebSocket feeds
- Investor accounts, portfolios and performance reporting
Brokerage platform and trading app
- Client onboarding, account opening, KYC and investor profiles
- Web and mobile trading interfaces
- Order and execution management
- Account funding and withdrawals
- Market data, charts, watchlists and alerts
- Back-office tools for operations, compliance and support
These products are built on modular, documented, production-ready foundations prepared for rapid deployment, AI-first development, extension and client-specific customization.
Case studies
Fintech software development projects
A few of the 300+ fintech products Itexus has delivered for banks, credit unions, asset managers and funded fintech companies.
- 5 days → 15 minaccount opening time at a top-7 U.S. credit union
- 99.95%availability of a platform serving 450K+ investors
- 2 weeks → 4 hourscredit memo preparation for a commercial lender
- 3 weeksfrom concept to production GenAI inside a bank
Digital wallet ecosystem for Coinstar, a $2.2B fintech company
Mobile wallet apps, ePOS kiosk software, web applications and a cloud API server for digital asset trading, bank account linking and crypto-fiat-cash conversion.
Digital onboarding for a top-7 U.S. credit union
Omnichannel onboarding with automated KYC/KYB, document verification, facial recognition and instant funding, integrated with a legacy AS400 core for a $19B credit union with 1.4M members.
Wealth and trading platform for a $300M-funded MENA WealthTech
A multi-tenant, Shariah-compliant digital investing platform that banks and asset managers across MENA use to launch wealth and trading products.
AI portfolio and market analysis for a top-7 global asset manager
An analytics platform for wealth advisers that combines portfolio and market data with NLP over news, research and CRM notes to generate personalized insights.
Retail brokerage platform with mobile trading and KYC
A mobile investing app and compliance console with automated KYC, account funding, stock and ETF trading, fractional shares and Auto-Invest for a Dubai-based investment manager.
Legacy WealthTech modernization for an SEC-registered adviser
Modernization of an inherited advisory platform serving 450K+ investors across mobile, web and messaging, with SEC/RIA-ready recordkeeping.
Client reviews
What clients say about working with Itexus
Itexus excelled at both experimental AI and sprint-oriented UI/UX tasks. Itexus did strong project management work, too, a necessity in such a complicated project.
Itexus’ work positions the business well for an imminent launch. They excel at managing their team, presenting frequent product demos to ensure that the project is aligned with development goals. An affordable price structure coupled with remarkable technical skill makes them an attractive partner.
Itexus delivered the app according to the requirements. The team met all development milestones and deliverables. They were efficient, friendly, and cooperative. Itexus team was very timely with updates, a regular meeting cadence, and ad-hoc questions and answers via Slack.
The assigned team was easy to work with and they are especially strong collaborators and communicators. They demonstrated flexibility, professionalism, and trust in everything they did, and completed the work on time and budget.
They’re a great group of developers who really understand the reality of business.
- 87%client retention rate
- 75%of clients come through referrals
- 250+clients in 23 countries
- 2013in business since
Awards and recognition
Recognized by independent B2B research and review platforms
ClutchTop B2B Companies, Eastern Europe 2019
GoodFirmsTop App Developers, Belarus
TechreviewerTop Mobile App Developers 2021
TopDevelopersTop Mobile App Developers, USA 2019
SoftwareWorldTop Rated Software Development Companies
SoftwareWorldTop Rated App Development Companies
ITFirmsTop Mobile App Developers 2020
ExpertiseBest Mobile App Development in Miami 2020
SelectedFirmsTop Web & Software Development Company
TopSoftwareCompaniesTop Software Developers
TrustFirmsTop DevOps Consulting Companies
YouTeamTrusted Partner 2017
Scope
What our fintech software development services cover
Engage Itexus for a full product or for the part of the lifecycle where you need senior fintech expertise.
Strategy and design
- Product discovery and prototyping
- Fintech consulting and digital transformation
- Solution architecture
- Fintech UI/UX design
Engineering
- Custom fintech software development
- Fintech application development for web and mobile
- API and third-party integrations
- Legacy modernization
- AI consulting and implementation
Operations and assurance
- DevOps and cloud engineering
- QA and test automation
- Cybersecurity and compliance readiness
- L2/L3 support and maintenance
- Project audit and rescue
Integrations and stack
Fintech integrations we deliver
Financial products depend on tightly integrated ecosystems. Itexus builds integrations with versioned contracts, fallback handling and sandboxed testing.
Payments and open banking
Trading, brokers and exchanges
Market and financial data
KYC, AML and identity
Credit data and scoring
Core banking systems
Security and compliance
Compliance built into product delivery
KYC, AML, auditability, data handling and reporting requirements delay launches when they are treated as an afterthought. Itexus maps regulatory requirements into scope and architecture from the first sprint.
- Regulatory scope mappingRequirements mapped into delivery priorities, with dedicated QA coverage for compliance scenarios.
- Data protectionPII protection, data masking, role-based access and data segregation between tenants.
- Access and identityRole-based access, least-privilege permissions, MFA and strict separation of client environments and data.
- EncryptionAES-256 at rest, TLS 1.2+ / 1.3 in transit, secure credential handling and controlled backups.
- AuditabilityAudit trails and activity logging for critical actions, with data masking for PII.
- ContinuityDocumented backup policies, disaster recovery planning, rollback paths and 24/7 monitoring.
The team
The people who will build your fintech product
Itexus was founded in 2013 by four partners who had spent 20+ years in engineering and management roles at large software companies and startups. Today the team is 150+ people, with development offices in Europe and headquarters in the United States.
- 100software developers
- 11DevOps engineers
- 10QA engineers
- 7UI/UX designers
- 6business analysts
- 6project managers
- 3PhD-level data scientists
How we work
How Itexus delivers fintech software
Agile flexibility with the scope, budget, risk and delivery governance that regulated financial projects require.
Discovery and blueprints before code
Requirements, architecture, integrations, API contracts and delivery assumptions are defined upfront and updated with every release.
Agile with scope and budget control
Short iterations and demos, combined with controlled scope management, budget tracking, release planning and risk reporting.
AI-first build for new products
With modular architecture, documented requirements and clear guardrails, AI agents accelerate coding and test generation under senior architect review.
AI-accelerated work on legacy systems
For tightly coupled systems with incomplete documentation: AI-assisted analysis, refactoring and test generation with closer manual oversight.
Quality engineering and test automation
Manual and automated QA, regulatory scenario testing, penetration testing, performance and load testing.
Launch and post-launch support
Deployment, monitoring, L2/L3 maintenance and knowledge transfer. Current documentation keeps later changes fast and safe.
Engagement models
Engagement models for fintech development outsourcing
Choose the model that fits your requirements, project size and how involved you want to be. Whether you outsource a whole product or extend your own team, the engineers and delivery standards are the same.
Agile with budget control
Agile delivery in two-week sprints combined with strict control of scope, budget, risks and quality.
- High-level scope, estimate and budget defined upfront
- A demo of new features at the end of every sprint
- Requirements can change as new ideas come up
- Weekly reporting on costs and progress
- Only efficient hours within the agreed estimates are billed
Fixed price
All requirements are documented and signed before the project starts. Itexus delivers the agreed scope for the agreed price and time.
- Exact scope and functionality fixed in the contract
- Payments on reaching milestones
- Minor client involvement during implementation
- Suits clients who can specify the software in detail and do not plan to change it
Dedicated team / outstaffing
Remote engineers, with or without a project manager, integrated into your in-house team and managed by you day to day.
- You direct the development process
- Developers, QA, DevOps, designers, data scientists
- Engineers with financial domain knowledge
- Scale the team up or down as the roadmap changes
As a general reference, discovery and prototyping engagements start from around $30,000; enterprise fintech projects often range from $150,000 to $1,000,000+. Compare the cooperation models in detail
Why Itexus
Why financial services companies choose Itexus as their fintech development company
Financial and AI expertise
- 300+ fintech projects in 23 countries
- Banking, trading, wealth, payments, lending
- In-house AI R&D and fintech competence centers
Accountable delivery
- Ownership of scope, timelines, risks and budget
- Documentation and QA built into delivery
- Transparent reporting and escalation
Practical problem-solving
- Senior input on architecture and integrations
- Legacy modernization experience
- Regulated workflow expertise
Long-term partnership
- 87% client retention rate
- 75% of clients come through referrals
- Teams embedded in client processes
FAQ
Fintech software development: frequently asked questions
How much does fintech software development cost?
The cost depends on scope, architecture, integrations, compliance requirements and the condition of any existing systems.
As a general reference, discovery, validation and prototyping engagements start from around $30,000. Enterprise projects involving legacy integrations, regulated workflows, AI functionality or full-scale product development often range from $150,000 to $1,000,000+. Itexus provides a detailed estimate after an initial discovery session and technical scoping.
What types of fintech software does Itexus develop?
Digital banking platforms, trading and brokerage platforms, wealth and investment management systems, payment and digital wallet infrastructure, lending and credit scoring systems, KYC/AML onboarding and compliance workflows, insurance platforms, blockchain and digital asset systems, and AI-powered analytics, advisory and automation tools.
How does a fintech development project start?
With a discovery session. Itexus reviews your business goals, users, compliance requirements, existing infrastructure, integrations and technical constraints, then defines the scope, architecture, roadmap and delivery plan. For new products we can also prepare an AI-first delivery setup; for legacy systems the work starts with analysis and controlled modernization planning.
Can you take over a project from another fintech development company?
Yes. Itexus takes over stalled, underperforming or poorly documented projects from other vendors.
The work starts with an audit of the codebase, architecture, documentation, integrations, infrastructure and security risks, followed by a remediation plan covering technical debt, testing gaps and the next development priorities.
Which regulations and standards do you work with?
Itexus structures its controls around SOC 2 and ISO/IEC 27001 and has delivered PCI DSS-compliant payment systems. Projects have covered GDPR, PSD2, KYC/AML, SEC/RIA recordkeeping and Shariah-compliance requirements. The exact regulatory scope is mapped during discovery.
Where is Itexus located?
Itexus is headquartered in the United States (Dover, Delaware) with development offices in Europe, including Warsaw, Poland. We serve clients across North America, the UK, Europe and MENA.
Can you integrate with banks, payment gateways, market data providers or third-party APIs?
Yes. Itexus designs and implements integrations with banks, payment gateways, open banking APIs, KYC/AML vendors, credit bureaus, broker APIs, market data feeds, core banking platforms and legacy systems.
Integration work typically includes API contract design, data mapping, secure credential handling, sandbox testing, retry and fallback logic, monitoring and production rollout planning.
Do you work with early-stage fintech startups?
Itexus primarily focuses on financial services companies, funded fintechs and organizations building complex or regulated financial products.
We also work with selected early-stage startups when there is a validated concept, clear compliance context, realistic budget and a product roadmap aimed at institutional scale.
Do you provide post-launch support and maintenance?
Yes. Itexus provides post-launch support and maintenance for production financial systems, including L2/L3 support, monitoring, incident response, patch and release management, performance tuning, backup and rollback support, and ongoing improvements.
Insights
Fintech development guides from our engineers
Related services
More fintech services from Itexus
Get your fintech product scoped and architected
Tell us what you are building. We will come back with questions, a proposed approach and a realistic estimate.
- 1. Send your project ideaWe contact you to clarify details and requirements, and send an NDA.
- 2. Get the estimate and proposalAfter the project analysis we send a proposal and discuss it with you.
- 3. Project kick-offIn-house engineers are available for a quick start.