Banking Software
Development Services

As your ISO-certified development partner, we deliver enterprise-grade banking software that is secure, compliant, and feature rich to surpass all your short- and long-term business objectives.

Having received multiple awards from prestigious organizations including, Deloitte and Entrepreneur over the past 10 years, we have the expertise required to resolve your most complex business challenges through a robust custom banking solution.

Our Core Capabilities

  • Building software on scalable cloud-based architectures
  • Integrating powerful AI-powered fraud detection systems
  • Implementing robust security features like encryption, MFA, and biometric verification
  • Ensuring full compliance with global and local regulations like GDPR, PCI-DSS, and AML
  • Integrating advanced AI-driven analytics and reporting functionalities
  • Accommodating features like contactless payments, mobile wallets, and peer-to-peer transfers
Award
Award
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Award
Award
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Certified Technology Professionals
On-board

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Custom Digital
Solutions Delivered

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Legacy Processes
Transformed

Backed by Results. Built for Your Vision.

Our Suite of Custom Banking Software Development Services

From robust mobile banking platforms to complex CRMs and more, we deliver a comprehensive suite of financial and banking software development solutions and services to enterprises and global brands.
Mobile Banking Software Development
Lending Software Development
Banking CRM Software Development
Custom EMV Software Development
Investment Management Software Development

Mobile Banking Software Development

We build custom mobile banking solutions that are scalable enough to handle millions of daily transactions while maintaining the highest grade security and compliance.

1. Multi–Channel Platforms

Build comprehensive mobile banking ecosystems that offer consistent user experiences across all platforms – iOS, Android, and web.

2. AI–Powered Personalization

Deliver hyper–personalized banking experiences that help increase customer engagement by minimum 50% or more.

Lending Software Development

We help you reimagine your entire lending lifecycle with intelligent automation for every process - from application to servicing.

1. AI-driven Lending Systems

Build lending platforms powered by advanced ML algorithms and automate tasks like application processing, credit decisioning, and document verification.

2. Enterprise Risk Assessment

Empower your team with proactive risk mitigation strategies that continuously monitor activities like loan performance, market conditions, and regulatory changes.

Banking CRM Software Development

We build banking CRMs that give your team a 360-degree view of your customers, thus enabling them with insights and tools to offer more personalized services in the least time possible.

1. Advanced Analytics

Prioritize your customer relationships like never before with advanced data analytics engines that identify customer needs, preferences, and life events in real-time.

2. Automated Sales and Marketing

Automate your complex sales and marketing processes and run personalized campaigns across multiple channels while complying with all FinTech regulations.

Custom EMV Software Development

Our banking software developers specialize in handling the entire spectrum of custom EMV (Europay, MasterCard, and Visa) solutions that are end-to-end encrypted, tokenized and completely secure.

1. Secure Payments

Keep your customers protected with robust contactless payment solutions that are not only secure but highly convenient.

2. Multi-Platform Integration

Integrate your custom EMV solution with mobile apps, PoS systems, and ATMs while ensuring a seamless user experience across all platforms.

Investment Management Software Development

We develop customized investment management software with advanced capabilities like AI-powered risk assessment and automated portfolio management, thus helping organizations to efficiently track and manage their investments.

1. Personalized Investment Portals

Take your client experience to the next level with personalized investment portals that offer various financial planning tools along with real-time portfolio visibility.

2. End-to-End Risk Management

Automate risk management processes to monitor compliance violations and other risks in real time.

Our Clients’ Trust Is Our Greatest Asset

We Deliver Tailored Banking Software for Every Sector

Our banking custom software development services serve a multitude of financial sectors either looking to build a solution from scratch or modernize the existing legacy infrastructure to stand out in the market.
Software Image

Retail Banking

Core Banking Software
Mobile Banking Software
CRM Software
Personal Finance Management Software
AI-Driven Personal Banking Software

Corporate Banking

Treasury Management Software
Commercial Loan Software
Cash Management Solutions
Corporate Payment Processing Software

Investment Banking

Investment Management Software
Trading Platforms & Software
Market Data Analytics Software
Mergers & Acquisitions (M&A) Management Software
Algorithmic Trading & High-Frequency Trading (HFT) Software
Portfolio Management Software
Syndicated Lending Platforms
Capital Markets Analytics & Reporting Software
AI-Driven Investment and Trading Software

Private Banking and Wealth Management

Private Banking and Wealth Management
Portfolio Management Software
Client Reporting Software
Estate Planning Software

Digital Banking and Neobanks

Digital Banking Platforms
Online Account Opening Software
AI-Driven Security Platforms

Commercial and Merchant Banking

Merchant Payment Solutions Software
Supply Chain Financing Software
Trade Finance Software
Inventory Financing Software
AI-Driven Credit Scoring Platform

Central Banking

Centralized Bank Management Systems
Regulatory Compliance Software
Currency Management Software
Interbank Settlement Systems

FinTech (Financial Technology)

Blockchain and Cryptocurrency Software
AI-Powered Financial Tools
AI-Powered Core FinTech Solutions

Retail Payments and Consumer Finance

Payment Gateway Software
Point of Sale (POS) Software
EMV Software
AI-Powered Payment Fraud Detection Software

Regulatory and Compliance Software

Know Your Customer (KYC) Software
Regulatory Reporting Software
AI-Powered Compliance Automation Software

Banking Industry Regulations We Adhere To

A CMMI level-3 company with certifications in ISO 9001 and 27001, Appinventiv builds banking and FinTech software that adhere to all the industry regulations.
KYC

KYC(Know Your Customer)

Basel III

Basel III

Dodd-Frank

Dodd-Frank Wall Street Reform and Consumer Protection Act

SOX

SOX (Sarbanes-Oxley Act)

MiFID II

MiFID II (Markets in Financial Instruments
Directive II)

FATCA

FATCA (Foreign Account Tax
Compliance Act)

FSCS

FSCS (Financial Services Compensation
Scheme)

BSA

BSA(Bank Secrecy Act / USA PATRIOT Act)

FCA

FCAFinancial Conduct Authority Regulations

IFRS

IFRS(International Financial Reporting Standards)

SEC

SEC(Securities and Exchange Commission Regulations)

CFPB

CFPB(Consumer Financial Protection Bureau Regulations)

Volcker Rule

Volcker Rule

SEPA

SEPA(Single Euro Payments Area Regulations)

IOSCO

IOSCO(International Organization of Securities Commissions Standards)

Risk-Based Capital Regulations

Risk-Based Capital
Regulations

Solvency II

Solvency II

Stay Ahead with Seamless
Compliance Solutions

Get Compliance Assistance Get Compliance Assistance
Compliance Shield

Why Partner with Appinventiv as Your Banking Software Development Company

With a decade-long proven track record of delivering game-changing FinTech solutions to clients, the Appinventiv team has the technical expertise to make your custom banking product stand out in the market and provide you the required competitive edge.
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AI-First Custom Banking Solutions

While traditional banks struggle with legacy system limitations and manual processes, Appinventiv's AI-first approach has revolutionized banking operations for 100+ financial institutions. From intelligent credit scoring to conversational AI, our AI-powered banking services fundamentally transform how banks operate, compete, and serve customers in the digital age.

02

90% Faster Regulatory Compliance Achievement

Our pre-built compliance frameworks have helped clients achieve SOX, Basel III, and PCI DSS compliance 90% faster than industry averages. We maintain dedicated compliance teams for US, EU, APAC, and Middle Eastern regulations, ensuring your software is not only secure but also meets local requirements from day one.

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96% On-Time, On-Budget Delivery Record

While industry averages show that nearly 70% of banking IT projects exceed budget or timeline, Appinventiv maintains industry-leading delivery metrics through proven methodologies, transparent project management, and risk mitigation strategies developed over 200+ successful implementations.

Our Award-Winning Journey

In a 10+ years journey of efficient software development for the banking and FinTech industry, Appinventiv has received numerous awards and recognitions.

Our Strategic Partnerships

aws
Amazon Web Services
Google Cloud Platform
Google Cloud Platform
Azure
Azure
ServiceNow
ServiceNow
Adobe
Adobe
Magento
Magento
Databricks
Databricks
Snowflake
Snowflake
HubSpot
HubSpot
Moengage
Moengage
Boomi
Boomi
Docker
Docker
aws
Amazon Web Services
Google Cloud Platform
Google Cloud Platform
Azure
Azure
ServiceNow
ServiceNow
Adobe
Adobe
Magento
Magento
Databricks
Databricks
Snowflake
Snowflake
HubSpot
HubSpot
Moengage
Moengage
Boomi
Boomi
Docker
Docker
aws
Amazon Web Services
Google Cloud Platform
Google Cloud Platform
Azure
Azure
ServiceNow
ServiceNow
Adobe
Adobe
Magento
Magento
Databricks
Databricks
Snowflake
Snowflake
HubSpot
HubSpot
Moengage
Moengage
Boomi
Boomi
Docker
Docker
aws
Amazon Web Services
Google Cloud Platform
Google Cloud Platform
Azure
Azure
ServiceNow
ServiceNow
Adobe
Adobe
Magento
Magento
Databricks
Databricks
Snowflake
Snowflake
HubSpot
HubSpot
Moengage
Moengage
Boomi
Boomi
Docker
Docker
AWS Sagemaker
AWS Sagemaker
AWS Bedrock
AWS Bedrock
MuleSoft
MuleSoft
OneStream
OneStream
Oracle
Oracle
Salesforce
Salesforce
Red Hat
Red Hat
Sabre
Sabre
Stripe
Stripe
Cloudinary
Cloudinary
AWS Sagemaker
AWS Sagemaker
AWS Bedrock
AWS Bedrock
MuleSoft
MuleSoft
OneStream
OneStream
Oracle
Oracle
Salesforce
Salesforce
Red Hat
Red Hat
Sabre
Sabre
Stripe
Stripe
Cloudinary
Cloudinary
AWS Sagemaker
AWS Sagemaker
AWS Bedrock
AWS Bedrock
MuleSoft
MuleSoft
OneStream
OneStream
Oracle
Oracle
Salesforce
Salesforce
Red Hat
Red Hat
Sabre
Sabre
Stripe
Stripe
Cloudinary
Cloudinary
AWS Sagemaker
AWS Sagemaker
AWS Bedrock
AWS Bedrock
MuleSoft
MuleSoft
OneStream
OneStream
Oracle
Oracle
Salesforce
Salesforce
Red Hat
Red Hat
Sabre
Sabre
Stripe
Stripe
Cloudinary
Cloudinary

Client Success Stories - Our FinTech Solutions in Action

Here are some of our featured projects that helped our FinTech clients streamline their operations and achieve transformational growth.

Key Technology Integrations that Power the Banking Sector

Our skilled team of banking software developers and other professionals utilize advanced technologies like AI, IoT, blockchain, and data analytics to tailor solutions that are unique to your business needs. The software that our team builds is not only technologically advanced but also end-to-end secure, ensuring you meet all your business objectives seamlessly.
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01
Artificial Intelligence

We integrate AI-powered features like chatbots, predictive analytics, and personalized banking into your processes, thus helping you to enhance user experiences while automating customer support and fraud detection.

02
Generative AI

We help you automate complex financial tasks such as document processing and customer service interactions, thus enabling you to enhance operational efficiency like never before.

03
Machine Learning

Our team uses advanced ML algorithms allowing your software systems to learn from data patterns and improve decision making and predictions.

04
Blockchain

We helpy ou embed secure, transparent, and efficient transaction processing capabilities in your banking software with the power of blockchain technology.

05
IoT

We use IoT to connect physical devices like wearables and PoS systems with your banking ecosystem, thus enabling smarter process management and higher personalized experiences.

06
Cloud

With strategic partnerships with AWS, Azure, and GCP, we help you scale your operations seamlessly while ensuring complete data security and end-to-end compliance.

07
Data Science and Analytics

We help you efficiently manage vast amounts of data and generate actionable insights from it, enabling you to enhance decision making and customer satisfaction.

Tech Stack That Fuels Our Financial & Banking Software Development Services

React
Angular
Vue.JS
TypeScript
Material-UI
Bootstrap
Tailwind CSS
Node.JS
Express.JS
Java
Spring Boot
Python
Django
.NET Core
Ruby on Rails
PHP Laravel
PostgreSQL
MySQL
Oracle
MongoDB
Redis
Cassandra
Elasticsearch
SQL Server
AWS (EC2, RDS, Lambda)
Microsoft Azure
Google Cloud Platform
Docker
Kubernetes
OAuth 2.0
JWT
SSL/TLS
PCI DSS
GDPR Tools
Multi-Factor Authentication
Stripe
PayPal
Plaid
SWIFT APIs
ACH Processing
Digital Wallet Integration
TensorFlow
PyTorch
Tableau
Power BI
Machine Learning APIs
Real-time Analytics
Jenkins
GitLab CI CD
New Relic
Data Dog
Prometheus
ELK Stack

Our Proven Banking Software Development Process

We follow agile development practices and DevOps approach to build software that exactly matches our client’s expectations in both quality and timelines.

Requirements Analysis

We start by comprehensively understanding your vision for the product. We collaborate closely with your team to identify all the existing challenges and requirements.

Roadmap Planning

Once we have the requirements, we transform them into a clear, actionable development plan. Our experts create detailed project timelines and establish risk mitigation strategies.

Software Architecture &
Design

The next step includes building a user-centric architecture to start the banking software development process. Our team develops intuitive wireframes and engaging UI mockups at this stage.

Agile Development

Now starts the actual development process with agile methodologies and iterative sprint cycles. Our team conducts regular code reviews to ensure that a high quality banking software is ready at the end of the process.

Security Implementation

Our team also takes multiple security measures and implements advanced encryption, multi-factor authentication, and security incident response procedures to ensure complete protection of the product.

System Integration & Data
Migration

Once the code is ready and security measures are in place, our team integrates the newly created software with the existing banking infrastructure and ensures seamless data migration with absolutely no disruption.

Comprehensive Testing

We perform rigorous testing of the software through functional, performance, and security assessments. We also conduct user acceptance testing with real-world banking workflows.

Regulatory Compliance
Validation

Along with software testing, we also conduct extensive compliance audits to ensure that the software adheres to all the critical banking standards and industry regulations.

Deployment & Launch

We finally deploy the software into the production environment while ensuring minimal operational disruption. Our team also provides the required training to the client’s staff.

Ongoing Maintenance &
Support

Our job as your banking software development company does not end just with deployment. Our team provides continuous monitoring and delivers regular security updates to maintain system integrity.

Request a Custom Quote for Your Project

QUESTION 01/05
What kind of banking software services are you looking for?
What kind of technology integrations are you looking for in your banking software?
What kind of features and functionalities are you looking for in your banking software?
What is your estimated project budget?
What is your expected timeline for the project?

Frequently Asked Questions

How much does software development for the banking sector cost?

Custom banking software development services cost varies from $40,000 to $500,000+ based on your requirements. For instance, the development costs of a basic banking mobile app might start around $40,000, while a complete core banking system can cost anywhere from $500,000 to several million dollars.

The cost depends on how complex the features of your product are, how many users you'll have, and what regulations you need to follow. We always give you a detailed estimate after understanding your specific needs. Get in touch.

Also Read: How much does it cost to build a mobile banking application?

How long does it take to build a banking software?

Time required for software development in the banking industry depends on the scope of your project. Simple products take 3-6 months, while complex banking platforms may need 12-18 months or more to complete.

Looking for precise estimates on timeline and costs for your banking product? Share your project details with our experts.

How do you deal with legacy systems when building new banking software?

As a trusted banking software development company, we don't just rip out your old systems - that would be chaos. Instead, we build bridges between your existing software and the new platform. This way, your daily operations keep running while we gradually move things over. We've worked with mainframes from the 1990s and made them talk to modern apps without missing a beat.

What are the challenges of integrating new technologies (AI, Blockchain, IoT) into existing banking systems?

Integrating technologies like AI, blockchain, and IoT presents challenges in the form of:

  • Legacy systems - Years old systems are not designed to easily connect with modern tech
  • Data quality - Technologies like AI and ML always thrive on clean and structured data, while data in traditional banking systems is often fragmented and inconsistent.
  • Security and compliance - Banking industry is highly regulated and so any new technology must adhere to strict security protocols and compliance standards.

Appinventiv resolves all these and more challenges with a planned and strategic approach that includes robust legacy modernization techniques and API-driven integration to seamlessly connect new technologies with existing systems.

What are the benefits of banking software development?

Good banking software saves you money and makes customers happier. Your staff spends less time on paperwork and more time helping customers. Automated processes catch errors that humans miss. Customers can do more things themselves online instead of calling or visiting branches. Plus, modern software helps you launch new products faster than competitors still stuck with old systems.

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