All-in-one fintech software development

Your fintech needs experts. We bring them to your team.

Whether you’re integrating open banking, building a digital bank, or optimizing payments, our team helps you deliver technology that accelerates growth—without compliance headaches.

fintech software fintech software development

Proven track record with the Fintech industry

Scaling fintech development is hard without the right team

Building fintech products requires more than just software development. Security, compliance, and banking integrations add complexity, making it difficult to move fast without breaking.

We provide experts ready to integrate seamlessly with your team, so you can ship faster and stay ahead of the competition.

✅ Onboard engineers with fintech domain expertise in weeks

✅ Leverage Open Banking & API Economy solutions

✅ Stay fully compliant with PSD2, PCI DSS, ISO 27001, SOC 2, GDPR, and specific financial regs

20+

fintech projects delivered

From embedded finance to neobanks

300+

product specialists

Ready to contribute from day 1

4.9/5

willing to refer score

verified among 69 clients on Clutch.co

Integrate APIs, SDKs and cloud platforms without friction

Mambu

Cloud banking platform. An adjustable SaaS system supporting rapid innovation and outstanding customer experience. Used by Raiffeisen Bank and Tide.

Form3

Payments. An end-to-end transaction platform that integrates with SEPA and US and UK payment schemes in real time. Used by Lloyds Banking Group.

Braintree

Payments. Integrates PayPal, Venmo, Apple and Google wallets plus credit and debit cards at once. Used by GitHub and Uber.

Stripe

Payments. A broad suite of digital products for payments, checkout, invoicing, and billing. Used by Salesforce.

Adyen

Payments. A platform that is a payment integrator, a data analyzer, and fraud protector in one. Used by McDonalds and Spotify.

Keycloak

Security. An authentication gateway with single sign-on build on top of a user management system. Used by Santander Technologies.

Azure AD

Security. Microsoft’s enterprise-level authenticator with a single sign-on that meets corporate cybersecurity requirements. Used by Walmart.

Auth0

Security. Also a single sign-on authenticator — but focused on breach mitigation and building threat profiles. Used by AMD.

Mambu

Cloud banking platform. An adjustable SaaS system supporting rapid innovation and outstanding customer experience. Used by Raiffeisen Bank and Tide.

A team that understands your field

What is your no. 1 challenge?

Fintech moves fast, but growth comes with obstacles—scalability, compliance, security, or integrations. Whatever is slowing you down, we’re here to solve it.

The answer:

Full-stack fintech development

Secure, high-performance web and mobile platforms for digital banking, lending, and payments

We build fintech platforms that scale effortlessly, stay secure, and deliver seamless user experiences.

Our engineers specialize in cloud-native, API-driven architectures that power everything from real-time transactions to complex financial workflows

The answer:

Open Banking & API integrations

Connect seamlessly to banks and financial data sources with PSD2-compliant APIs

We connect fintechs with banking systems, payment providers, and financial data sources through secure APIs. Our team ensures seamless Open Banking compliance (PSD2) and third-party service integration.

The answer:

Real-time payments & digital wallets

Adopt Faster Payments, SEPA Instant, RTP, and integrate popular digital wallets

Enable instant, secure transactions with integrations for Faster Payments, SEPA Instant, RTP, and digital wallets like Apple Pay, Google Pay, and custom wallet solutions.

The answer:

Embedded finance & Banking-as-a-Service

Leverage Banking-as-a-Service APIs to offer payments, lending, or insurance inside your app

We help fintechs integrate financial products into their platforms—offering payments, lending, or insurance via Banking-as-a-Service solutions and modular APIs.

The answer:

Regulatory compliance, security & KYC

Build with PSD2, PCI DSS, SOC 2, and GDPR requirements from the start

We build fintech platforms that meet PSD2, PCI DSS, SOC 2, and GDPR requirements—ensuring secure transactions, fraud prevention, and regulatory approval.

1/5

“The Software House is great at merging their team with ours and co-delivering”

As said by Ruben Vosmeer, xpate’s CTO, who’s been working with us for 3+ years. Connect with the software experts he rates as ★5 collaborators.

160+ delivered projects in over 24 countries

Collaboration models

01 Dedicated Product Team

A full-stack development team that understands fintech inside out. From integrating APIs to building banks from scratch.

Learn more

02 Scale Your Engineering Team

Expert fintech engineers and designers—ready to join your team and contribute from day one.

Learn more

Growth-oriented development

20+ fintech companies sped up software delivery and reached their goals with us

Bank broadened the reach of transaction services from 3 to 36 SEPA countries

I want to learn more

A new payment process for transfers in Euro based on reliable AWS services, grew the annual portfolio by 4%.

Star 5/5 on Clutch logo

blockchain based solutions

Reduced the bond issuance costs by 80% and issuance time from weeks to hours

I want to learn more

We successfully built a custom blockchain-based financial system. Simple, fast, and intuitive financial transactions without compromising on security

 

Star 5/5 on Clutch logo

xpate cut payout time for e-commerce merchants from 3-10 days to minutes.

I want to learn more

In just 4 months, xpate implemented a new payment platform powered by AWS to cut payout time for e-commerce merchants from 3-10 days to minutes.

 

 

Star 5/5 on Clutch logo

“They are all super friendly and reliable

This comes from Uberchord’s CTO Eckart Burgwedel. Let’s have a private chat about your product growth plans.

From our CTO vs Status Quo series

Few industries can compete with finance when it comes to regulatory complexity

Find out how New10’s CTO turns regulatory burdens into business opportunities.

From burden to breakthrough – how a fintech CTO turns regulations into opportunities

“It’s all about transparency” – InvestEngine’s Alex Rupin on product-tech harmony in fintech

Tell us about your project

Transform the financial technology you have into something greater with a one-stop-shop development partner. Fintech innovation starts here.

  1. Click the button below and select your goal
  2. Say a bit about the challenge of problem you’re facing
  3. We’ll reach you in 1 day to explain what we can do together
I’d like to talk

Frequently asked questions

For now, we can only mention projects with:

  • A traditional bank that moved technology onto the AWS cloud with us. We used React, Serverless, and Node.js. Our design team later helped to rebrand their product’s UX/UI.
  • A fintech with a B2B lending platform we supported with business logic work and development in React and Node.js plus Python.
  • Another fintech called Energy Web (case study). They asked us to build a solar battery grid management app based on AWS, Ethereum, and Node.js.
  • And yet another one called Arantio, where the founders flipped an intranet app into a payment processing platform for companies granting employee benefits

That experience plus 10 years of know-how can work for you. 

We’re open to doing web development, business analysis, and cloud engineering work for traditional banks and fintech scale-ups. Representing a fintech software development company? Sure, let’s team up.

And if you need consulting services to failproof your strategy, guess what — your friend here can help too.

We had success with connecting 8+ fintech-specific services that offer:

  • EU, US, UK, and international payments in EUR with the set-up needed to earn the SEPA certificate
  • International transfers in dozens of currencies
  • 4 different payment gates that allow fintechs to accept debit plus credit cards, PayPal-like instant payments, and Google and Apple Wallet transfers

Simply put, expect your product to get packed with features all fintechs desire. Or as Microsoft would say it — “Introduce innovative business solutions today!”

Check out our Portfolio website and filter the “Fintech & Banking” projects on the Industry panel on the left side.

The quality and security of the solutions we create are our top priority!

We employ tools like SonarQube, which adheres to the best OWASP practices for static code analysis. Moreover, in each project, we enforce minimum required access levels for all team members. To achieve this, we utilize tools such as 1Password and Azure Active Directory. These serve as gateways to all services accessible by team members.

We maintain restricted access to our infrastructure, allowing specific and essential tool access. As an AWS Advanced Partner and Well-Architected Partner, our dedication revolves around crafting solutions that emphasize both security and scalability.

AWS Security Foundations we follow

AWS Well-Architected

Our developers undergo security training and have AWS Certified Security – Speciality certification in this area.

  • Offensive Security Certified Professional
  • Certified Kubernetes Security Specialist (CKS)
  • Microsoft Azure Security Technologies (AZ-500)

The AWS certifications in the TSH team (they grow monthly!):

  • 53 x AWS Certified Cloud Practitioner
  • 2 x AWS Certified Database – Specialty
  • 3 x AWS Certified DevOps Engineer – Professional 
  • 10 x AWS Certified Developer – Associate
  • 1 x AWS Certified Machine Learning – Speciality
  • 4 x AWS Certified Security – Specialty
  • 15 x AWS Certified Solutions Architect – Associate
  • 5 x AWS Certified Solutions Architect – Professional 
  • 3 x AWS Certified SysOps Administrator – Associate 

Let’s face it. You could use a technology partner that lifts you throughout years, and that’s why we’re ready to offer you a product team of 2 to dozens of experts.

One client that stayed with us for 6 years grew the team to 20 professionals. 

You’ll also have the freedom to scale up or down depending on workload, and to delegate a project in full by adding one of our very convincing PMs to the group.

You’ll enter cooperation with a stable company from the European Union recognized for business growth and compliance with legal and security standards (Deloitte, Clutch, Financial Times, Computerworld).

We have vast experience with international financial and banking institutions in:

  • integrating websites, tools, and services mostly used by fintech,
  • cloud banking projects,
  • loan-providing projects,
  • integrating payment gateways,
  • implementing authorization services,
  • implementing legal regulations,
  • adjusting modern tech stacks for scalability and flexibility,
  • keeping firm adherence to project safety procedures.

Flawless integrations

There are lots of third-party tools and technologies with stable market position. Instead of reinventing the wheel, we work with solutions that have already been used by the industry and will integrate them with your platform. 

 

Diligent compliance with the law

Fintechs need a license to operate. We understand the need for a legal department to verify the correctness of operations according to industry standards so that you don’t lose the license. We would never allow this. 

 

Flexible architecture

Banks tend to be slow. Fintechs have to work faster, otherwise they will not be as attractive as traditional institutions. At the same time, fintechs are more respectful and adaptable to customers’ opinions and needs. Therefore, a software architecture must be easily modified.

We’ll help you take care of your customers.

 

The highest degree of cybersecurity

Leaking user data is unacceptable, and after an incident like that, fintech may even face the payment of GDPR penalties or potential bankruptcy, and never rebuild their reputation with investors and customers back. 

 

Protecting the copyright of your code

Every line of code written is protected by copyright until the author waives such rights. Fintechs must be careful to always have the right to the code used before someone leaves the company, otherwise, they may not be able to ensure the legal operation of their product.

You can read more on how we work here.

  • Transfers in Euro – EBA Clearing,
  • User verification – KYC/AMLDORA (Digital Operational Resilience Act),
  • GDPR (General Data Protection Regulation),
  • Custom cybersecurity policy,
  • Employee screening,
  • Code license checks.

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    We regard the TSH team as co-founders in our business. The entire team from The Software House has invested an incredible amount of time to truly understand our business, our users and their needs.

    Eyass Shakrah

    Co-Founder of Pet Media Group

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