Fintech Software Development
Services in Australia

Driving the future of finance with AI-powered, regulatory-ready FinTech software for Australian businesses

Trusted by conglomerates, enterprises, and startups alike

FinTech Software Development Services We Offer

Financial institutions across Australia face the challenge of balancing innovation with compliance in an increasingly complex regulatory environment. Our end-to-end financial software development services in Australia help banks, fintech companies, and financial service providers build secure, compliant platforms that drive growth.

1/4

Custom Financial Software Development

We build tailored financial platforms that streamline your core processes. Whether it’s transaction management, automated accounting, or performance analytics, we design each feature to maximize efficiency and deliver real business impact. With scalability and precision in mind, we can help you build a robust software that simplifies operations, drives smarter decisions, and accelerates your growth.

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FinTech Integration

Our integration services ensure your new FinTech software works seamlessly with existing systems, financial APIs, and third-party platforms. From real-time payment gateways to CRM and ERP synchronization, we build flexible architectures that improve data consistency, automate workflows, and unlock new service capabilities without disrupting operations.

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FinTech Cybersecurity Services

In a sector where every transaction is a target, we embed multi-layered cybersecurity frameworks right from the development stage. Our services include data encryption, identity verification protocols, fraud monitoring, and compliance audits, helping you build user trust while staying aligned with regulatory standards set by the ASIC and the APRA, along with global benchmarks.

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Legacy Software Modernization

We upgrade outdated financial systems into fast, secure, and cloud-ready platforms built for today’s users. Whether it's updating core modules, shifting to microservices, or modernizing your tech stack, we make your systems easier to maintain and ready to scale. As a renowned firm offering financial software development services in Australia, we improve performance without losing the data and features your business relies on.

10+
Years of Experience
1600+
Software Development Experts
Under One Roof
3000+
Custom Solutions Delivered
96%
Client Retention Rate

Types of FinTech Software We Develop for Your Business in Australia

We design and develop a wide range of FinTech software products that cater to the unique demands of Australia's banking and financial services sector. As a leading provider of finance software development services in Australia, we create reliable, compliant, and user-friendly tools that help financial institutions operate more efficiently and serve their customers better.

01

Fraud Detection & Anti-Scam Systems

Financial fraud costs Australian institutions billions annually, with scammers constantly evolving their tactics. Our custom fraud detection software uses machine learning and real-time monitoring to help you stay one step ahead, identifying suspicious patterns before they become costly breaches.

02

BNPL & Consumer Credit Software

We build fully customized BNPL and consumer credit software aligned with your product terms, risk models, and compliance needs under Australian regulatory standards. Our custom FinTech software solutions in Australia are built to handle everything from customer onboarding to merchant-side integration, ensuring a seamless experience across the credit lifecycle.

03

RegTech & Compliance Software

We create compliance automation software specific to your operational and regulatory requirements. Whether it’s for KYC checks, audit-ready reporting, or real-time alerts, we build software aligned with the ASIC, APRA, and AUSTRAC guidelines to ease your compliance burden.

04

Personal Finance & Budgeting Software

As one of the top FinTech software development companies in Australia, we design custom personal finance software that help users track spending, plan savings, and manage their budgets more effectively. Built to reflect your brand and business goals, these software support financial wellness and align with the needs of digitally active Australian users.

05

Investment & WealthTech Platforms

Our team develops wealth management platforms that reflect your investment approach and user segments. Whether you need micro-investing features, superannuation tracking, or advisory modules, we build the software from the ground up with compliance and user experience in mind.

06

Digital Lending Platforms

We develop custom digital lending software for banks, NBFCs, and credit unions. These include borrower onboarding, document verification, loan lifecycle management, and credit score integration, all built to support your internal workflows and local lending laws.

07

Neobanking & Mobile Banking Solutions

Being one of the leading firms offering FinTech software development services in Australia, we build secure, fully custom mobile and neobanking software for digital-first banks and financial service providers. From digital onboarding to real-time payments, card controls, and more, we tailor everything to meet AUSTRAC standards and your business goals.

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Payment Gateways & Processing Systems

Being a dedicated FinTech software development company in Australia, we create custom payment software that supports multi-channel digital transactions, including card, bank, and wallet payments. Designed to scale with your business, our systems ensure security, PCI DSS compliance, and support for high-volume transaction processing.

09

Crowdfunding & Peer-to-Peer Finance Platforms

We develop tailored crowdfunding and P2P finance platforms that reflect your funding model. Every feature we develop for your software, from campaign setup to compliance and payout management, is built around your business strategy.

10

Financial Risk Management Tools

As a leading FinTech solutions software development company in Australia, we build custom analytics-driven software to help banks and financial firms identify, monitor, and manage key financial risks. Whether it's credit exposure, market fluctuations, or operational threats, our solutions are designed around your risk models and reporting needs.

11

AI Chatbots for Financial Services

We develop conversational AI chatbots that assist users with balance checks, payments, loan queries, and support requests. Built using NLP and integrated with your core systems, these bots reduce service load and offer 24/7 instant support through software or apps.

12

Intelligent AI Agents

We build AI-powered digital agents that automate backend tasks such as customer onboarding, compliance checks, transaction validation, or even portfolio recommendations. These agents streamline operations and reduce manual intervention across your FinTech workflows.

13

Expense Management Software

As a renowned FinTech software development company in Australia, we build custom software to help businesses manage daily expenses, categorize transactions, and generate reports. Our solutions work for both personal finance apps and SME platforms seeking better financial control.

14

InsurTech Software for Digital Insurance

As a dedicated firm offering FinTech software development services in Australia, we build custom InsurTech platforms for digital policy issuance, claims automation, fraud detection, and customer self-service. These tools help insurers offer seamless, paperless experiences while meeting regulatory standards in Australia.

15

Tax Calculation & Filing Software

We build secure and intuitive tax software tailored for individuals, small businesses, and financial institutions in Australia. From GST calculations and BAS reporting to real-time ATO integration and end-of-year filing, our custom tax software automates complex processes while ensuring full compliance with Australian tax laws.

Globally Recognized. Trusted by Leading Enterprises.

When you partner with us, you’re choosing a team recognized by some of the world’s most respected institutions. Our global awards validate the quality, innovation, and consistent excellence we bring to every project—whether local or international.

clutch 2025 Fastest GrowingCompanies award
2025
Fastest Growing
Companies
deloitte 2024 & 2023 Fastest Growing Technology Company award
2024 & 2023
Fastest Growing
Technology Company
clutch  2024 Fastest Growing AIDevelopment Companies award
2024
Fastest Growing AI
Development Companies
India’s Growth Champions in IT by Economic times 2023
2023
India’s Growth Champions
In IT
Tech company of the year by The economic times 2023
2023
Tech Company Of
The Year
entrepreneur 2020 App Development Of The Year
2020
App Development
Of The Year

Australian Businesses That Benefit from Our FinTech Software Development Services

Whether you are a growing FinTech startup or an established financial institution, our custom FinTech software development services are designed to help you improve efficiency, meet compliance needs, and deliver better financial experiences.

Regulatory Compliances We Adhere to As a Trusted Financial Software Development Company in Australia

Compliance drives every aspect of our development process. We ensure that every product we develop meets key regulatory
standards followed across Australia and global financial markets, giving our clients the confidence to scale securely and legally.

Advanced-Tech Behind the FinTech Software We Develop for Businesses

To help you stay competitive in Australia's fast-moving financial sector, we integrate modern technologies that bring intelligence, speed, and security to every custom software we build.

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    Artificial Intelligence (AI)

    We integrate AI to enhance your FinTech software with intelligent automation, real-time decisioning, and predictive insights. This helps improve fraud detection, personalize user experiences, and streamline financial operations.

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    Machine Learning (ML)

    We use machine learning to equip your software with adaptive learning capabilities and data-driven intelligence. It supports credit scoring, fraud detection, and user behavior analysis for more informed financial decisions.

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    Cloud Computing

    Being a dedicated finance software development company in Australia, we develop cloud-native FinTech software that ensures flexibility, cost-efficiency, and seamless access. It supports scalable infrastructure, faster deployment, and compliance with Australian standards.

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    Blockchain

    We offer blockchain services that bring transparency, security, and traceability into your financial workflows. By leveraging distributed ledger technology, we enable tamper-proof transactions, automated smart contracts, and secure identity verification—enhancing trust and regulatory alignment across your fintech operations.

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    Natural Language Processing (NLP)

    As a leading FinTech software development firm in Australia, we use NLP to enhance your FinTech software with smart chatbots, voice commands, and conversational interfaces. It improves user accessibility and simplifies service interactions.

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    Financial Analytics

    We integrate financial analytics capabilities into your software to enable real-time monitoring of revenue, costs, and performance metrics. This helps drive smarter budgeting, forecasting, and strategic decision-making.

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    Business Intelligence (BI)

    As a renowned financial software development company in Australia, our BI services experts transform raw financial data into visual dashboards and actionable insights. This empowers your team to track KPIs, identify trends, and make data-backed business decisions with confidence.

The Technology Stack Transforming Australian FinTech Landscape

We use a modern and secure tech stack to build scalable, high-performance FinTech software tailored to evolving market needs. Our technology choices ensure compliance, speed, and flexibility across every stage of development.

  • Frontend Programming Languages

    html
    css
    javascript
    angular
    next js
    react native
    vue js
    ember
    meteor
  • Mobile

  • Back-end programming languages

  • Desktop

  • Cloud Databases

AI‑Driven Features We Add to Your FinTech Software

Artificial intelligence is now the growth engine behind some of the most successful finance software in Australia. By integrating AI into your platform during development, we can help you unlock faster decisions, deeper insights, and stronger user loyalty.

AI-Powered Fraud Detection System
We can develop intelligent fraud monitoring modules that detect anomalies across transactions in real time, pointing out suspicious behaviour before financial damage occurs.
Chatbots for Customer Support
We build conversational AI bots that handle balance checks, payment queries, and card issues. These bots learn over time and reduce the need for manual support.
Personalised Financial Insights Panel
This feature offers users customised budget recommendations, spending alerts, and savings goals based on their individual transaction history and financial habits.
AI-Powered KYC Automation
We integrate tools that verify documents, detect forgery, and extract identity data using OCR and facial recognition, helping you meet KYC compliance faster.
Robo-Advisory Module
This module uses AI to build, monitor, and rebalance user portfolios based on risk preferences, market trends, and life goals, perfect for wealth and investment apps.
Predictive Cash Flow Forecasting
We enable automated forecasting by analyzing historical transaction data and upcoming bills or income, helping both individuals and SMEs stay cash-positive.
Dynamic Pricing Engine
We build pricing models that adjust interest rates, fees, or offers based on user segments, competitor data, and real-time product demand.
AI-Based Transaction Categorization
This feature automatically classifies user transactions to simplify expense tracking and improve financial literacy.
Sentiment Analysis for Customer Feedback
We integrate models that analyse user reviews, chat logs, or support tickets to uncover pain points and product improvement areas in real time.
Industry Image

Why Choose Appinventiv for FinTech Software
Development Services in Australia

We architect growth-ready platforms tailored to Australia's unique financial landscape. With a deep understanding
of tech, compliance, and user behavior, we turn your product vision into a real, scalable advantage.

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Local Expertise, Global Standards

We understand the nuances of the Australian financial ecosystem, from Open Banking to emerging BNPL regulations. While our execution meets global quality benchmarks, our strategies are deeply rooted in the local market and its realities.

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Built Around Compliance

Every product we develop is aligned with key financial regulations in Australia, including ASIC, APRA, and CDR requirements. We embed compliance into the development lifecycle, so you stay audit-ready from day one.

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Cross-Industry Experience in BFSI

From digital banks and lending startups to insurance firms and investment platforms, we have helped diverse FinTech players build high-impact products. This multi-sector exposure helps us bring fresh perspectives to your business product.

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Real-Time Collaboration

We maintain full visibility at every stage of development with agile sprints, demo check-ins, and open communication. As a business owner, you are never left guessing as we keep you in the loop every step of the way.

Looking to Leverage AI-Powered Intelligence for Smarter FinTech Software?

We embed AI into FinTech software to create intelligent, real-time systems that enhance user experience, boost operational efficiency, and support faster financial decisions.

  • Predictive analytics for risk, credit, and cash flow forecasting
  • AI chatbots and virtual assistants for 24/7 customer support
  • Fraud detection models for real-time anomaly monitoring
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Success Stories That Reflect Our FinTech Software Development Expertise

We have partnered with major businesses to build intelligent, user-centric FinTech software that drives real business outcomes. Here are a few case studies that highlight the measurable impact of our work.

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We chose Appinventiv to build our financial literacy and money management app from start to finish. From the first call, we were very impressed with Appinventiv’s professionalism, expertise, and commitment to delivering top-notch results. Their developers were extremely talented and delivered an amazing final product that exceeded our expectations.

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Simon Wing
Co-Founder & CEO, Edfundo

How We Craft Compliant-First FinTech Software for
Australian Businesses

As a dedicated firm offering FinTech software development services in Australia, we follow a structured, collaborative, and compliance-driven
approach to building financial software that performs reliably and scales with your business. Every step is designed to align with your
goals, market needs, and regulatory standards in Australia.

Get a Custom Quote for Your FinTech Software Project

We follow a strategic approach to building tailored financial software that meets your regulatory, technical, and business needs. By understanding your goals and product vision, we deliver a transparent, accurate cost estimate. Each proposal is customized based on the factors that influence your FinTech product’s success, including:

  • Feature Set and Product Complexity
  • Security and Compliance Requirements
  • Third-Party API and Core Banking Integrations
  • Technology Stack and Hosting Preferences
  • Scalability, Performance, and UX Expectations
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Frequently asked questions

  • How much does it cost to build FinTech software in Australia?

    The cost of developing FinTech software in Australia typically ranges from $30,000 to $300,000 or more, depending on the complexity of the features, tech stack, level of security required as well as the expertise of the hired custom FinTech software company in Australia. To get an accurate estimate tailored to your needs, we recommend speaking directly with our team for financial services software development in Australia.

  • How long does it take to develop financial software in Australia?

  • How do you ensure security and compliance of the FinTech product with regulatory standards?

  • Can you integrate FinTech software with existing banking or third-party systems?

Our Technology Experts Are Change Catalysts

Book A Free Consultation Call With Our Experts Today

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