Fintech Industry

Fintech Software Development That Ships Compliant, Scalable Financial Products

Payment gateways, neobanking platforms, KYC/AML engines, and AI-powered credit systems — built to PCI-DSS, SOC 2, and open banking standards. Trusted by fintech companies across the US, UK, and UAE.

4.6 on ClutchPCI-DSS & SOC 2 compliant builds15+ years shipping fintech products
$936B+Global fintech market size by 2030Grand View Research, 2024
$6.9TGlobal digital payments volume in 2023Statista, 2024
$41.5BFintech VC investment in 2023CB Insights, 2024
75%Consumers using at least one fintech appEY Global FinTech Adoption Index

Fintech Software Solutions We Build

From payment infrastructure to AI-powered risk engines — we cover the full stack of financial technology engineering.

Payment Gateway & Processing

Custom payment processing systems, multi-currency wallets, recurring billing, and PCI-DSS compliant checkout flows integrated with Stripe, Braintree, and local payment rails.

Digital Banking Platforms

Neobank and challenger bank core banking systems — account management, card issuing, ledgering, transaction history, and open banking API layers.

Investment & Wealth Management Apps

Portfolio management dashboards, robo-advisory engines, real-time market data feeds, fractional share trading, and compliance reporting for retail and institutional investors.

KYC / AML Systems

Automated identity verification, document scanning, liveness detection, sanctions list screening, and suspicious activity reporting pipelines.

AI-Driven Credit Scoring

Alternative credit models using transaction history, behavioral signals, and ML — reducing false declines and expanding credit access for thin-file borrowers.

RegTech & Compliance Platforms

Automated regulatory reporting, audit trail management, risk dashboards, and real-time compliance monitoring for FCA, SEC, RBI, and other regulatory frameworks.

Compliance & Standards We Follow

Fintech is one of the most regulated sectors in tech. We architect compliance in from the start — not as a retrofit.

PCI-DSSPayment card security
SOC 2 Type IISecurity controls
GDPR / CCPAData privacy
Open BankingAPI standards (PSD2)
FCA / SECFinancial regulation
ISO 27001Information security

Why Fintech Companies Choose Arka

Compliance-First Architecture

We design your data model, API layer, and infrastructure with regulatory requirements built in — so you're audit-ready from day one.

Deep Financial API Integrations

Plaid, Stripe, Braintree, Truelayer, banking-as-a-service providers — we've integrated them all in production environments.

AI for Financial Intelligence

We build ML pipelines for credit scoring, fraud detection, transaction categorisation, and personalised financial advice.

Built for Financial Scale

High-throughput transaction systems, event-driven ledgering, and real-time risk scoring — engineered to handle millions of transactions without downtime.

Our Fintech Technology Stack

React / Node.js
Python / Django
Stripe / Plaid APIs
AWS / Azure
PostgreSQL / Redis
Kafka / Event Streaming
Docker / Kubernetes
Smart Contracts (Solidity)

Frequently Asked Questions

Yes. All payment processing systems we build follow PCI-DSS Level 1 standards — tokenisation, encrypted card storage, network segmentation, and quarterly scans. We also help you scope your cardholder data environment to minimise compliance burden.

Absolutely. We have production experience with Plaid, Truelayer, Tink, Yapily, and direct bank APIs across the US, UK, EU, and UAE. We handle OAuth flows, webhooks, and data normalisation.

A focused fintech MVP — payment wallet, basic lending flow, or investment dashboard — typically takes 12–20 weeks. Core banking or full neobank builds take 6–18 months depending on regulatory requirements and integrations.

Yes. We work with pre-seed startups through to Series B+ companies. For early-stage clients, we often help define the compliance architecture first so you don't build yourself into a corner as you scale.

Ready to Build Your Fintech Product?

Tell us your use case and regulatory context. We'll come back with a compliance architecture and timeline in 24 hours.

Ready to build something great?

Book a free 30-minute strategy call with our team. No sales pitch — just a frank conversation about your project.

  • Response within 24 hours
  • 4.6★ rated on Clutch (73 reviews)
  • NDA signed before any discussion
Book a Strategy Call

Or Get in touch

Loading...

Start Your Project

Let's Build Something Remarkable

Share your idea with us. We'll respond within 24 hours with a tailored plan, timeline, and cost estimate — no strings attached.

  • 4.6 / 5 on Clutch73 verified client reviews
  • 24h Response TimeAverage first reply guarantee
  • NDA AvailableSign before we discuss details
  • Global DeliveryUS · UK · UAE · Australia
Trusted by 500+ companies since 2010  ·  15+ years delivering software

Prefer email or a quick call?

Get in touch +1 469 501 1170

Tell us about your project

We'll send a detailed proposal within 24 hours

We're committed to delivering transformative solutions on time and on budget.

Arka's Promise of Trust →
500+Projects Shipped
15+Years Experience
98%Client Satisfaction