Our banking software engineers and architects deliver systems that adapt fast to market shifts and regulatory demands. Every build is cloud-ready, data-driven, and optimized for performance, uptime, and compliance.
Our Core Capabilities:
Our banking product engineering
experience, validated in numbers:
Banking Transformation Projects Delivered Globally
Countries Empowered with Custom Banking Solutions
SLA Uptime Across Core Banking and Digital Platforms
Faster Transaction Processing with AI-Powered Automation
On-Time Delivery Record
Compliance With Basel III, PCI-DSS, GDPR, SOX, NAIC, and Local Banking Mandates
We help banks make informed technology decisions by assessing legacy platforms, regulatory obligations, and operational dependencies before change begins, enabling modernization and integration without disrupting core banking operations.
• Technology Strategy & System Assessment:
We assess core banking systems, payments infrastructure, data platforms, and compliance controls to identify modernization priorities and integration gaps.
• Regulatory-Aligned Architecture Planning:
We define target-state architectures aligned with banking regulations and security standards while supporting scalability across digital channels and AI initiatives.
As your banking software development company, we build custom solutions that are scalable enough to handle millions of daily transactions while maintaining the highest grade security and compliance.
• Mobile Banking Platforms:
Build comprehensive mobile banking ecosystems that offer consistent user experiences across all platforms - iOS, Android, and web.
• AI-Powered Personalization:
Deliver hyper-personalized banking experiences that help increase customer engagement by minimum 50% or more.
We modernize legacy banking systems by rebuilding rigid, monolithic platforms into scalable, secure, and integration-ready architectures, thus allowing your bank to improve performance without disrupting core operations.
• Core System Modernization:
We transform aging core banking platforms by modernizing transaction processing, customer data management, and integration layers using modular architectures.
• Risk, Compliance, and Operational Modernization:
Replace fragmented legacy controls with centralized systems that provide real-time visibility into risk exposure, regulatory compliance, and operational performance across banking functions.
Every bank aims to modernize its systems, but the challenge lies in knowing what to integrate first and how to ensure long-term scalability. Our software integration services for the banking industry solves that disconnect.
• Technology Roadmapping:
We design secure integration blueprints connecting CBS, payment gateways, KYC systems, and digital wallets under one architecture that meets PCI DSS and other global norms.
• Abstraction Layers:
We build high-concurrency API abstraction layers that allow modern digital front-ends to communicate with legacy COBOL/Mainframe back-ends without latency.
We design and deliver banking software that powers
transactions, compliance, and customer trust at scale.
A renowned European bank needed a solution to leverage AI technology to improve customer support and reduce manual support processes.
Appinventiv developed an AI-powered platform that introduced automated customer support and reduced the reliance on manual processes significantly.
The client wanted to develop a financial intelligence hub for kids to start with their financial literacy at an early age.
Appinventiv built a SaaS-based platform that allowed kids to become financially smarter and helped the client to look at the platform as a profitable white-label solution.
The client wanted to assist millennials in managing their finances and budget in an engaging manner for which they sought an interactive platform.
Appinventiv developed an AI-powered budget management platform with a smart chatbot-centric approach that allowed users to learn finance management in an interactive way.
Fraud does not follow fixed rules anymore. We build systems that continuously study transaction behaviour, account activity, and usage patterns, spotting irregular signals early. The focus stays on catching real threats while cutting down noise, false alerts, and manual review effort.
Risk becomes manageable when it shows up early. Our models bring together portfolio data, market movements, and operational indicators to surface exposure before it turns into loss. This helps teams take timely action, stay aligned with regulations, and maintain confidence in their decisions.
Customers respond to relevance, not volume. We help banks personalize journeys, offers, and communications based on real behaviour and context, not broad segments. The result feels natural to customers and practical for teams to manage at scale.
Advisory work improves when insights are timely and consistent. We embed AI into wealth management workflows to support portfolio analysis, performance tracking, and decision support, allowing advisors to deliver informed guidance without adding complexity to their day-to-day work.
As banking moves into partner platforms and ecosystems, intelligence becomes critical. We build AI layers that support real-time decisioning, contextual credit checks, and secure financial interactions, all while keeping governance and risk oversight firmly in place.
AML
KYC
Basel III
Dodd-Frank Wall Street Reform and Consumer Protection Act
SOX
MiFID II
FATCA
FSCS
BSA
FCA
IFRS
SEC
CFPB
Volcker Rule
SEPA
IOSCO
Risk-Based Capital Regulations
Solvency II
AML
KYC
Basel III
Dodd-Frank Wall Street Reform and Consumer Protection Act
SOX
MiFID II
FATCA
FSCS
BSA
FCA
IFRS
SEC
CFPB
Volcker Rule
SEPA
IOSCO
Risk-Based Capital Regulations
Solvency II
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 agentic AI, our AI-powered banking services fundamentally transform how banks operate, compete, and serve customers in the digital age.
We engineer banking platforms the way global infrastructure should be built - cloud-native, API-driven, and containerized for resilience. Our teams use Kubernetes-based microservices, real-time data streaming, and event-driven architecture to keep uptime at 99.99% while processing millions of transactions per second.
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.
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.
77% of banking leaders see AI as the key to retention. From AI-driven wealth advisory
to predictive personal finance nudges, we build the "intelligence layer" that turns
standard software into lifelong financial partners.
Statista India's Growth Champions 2023
We use AI in banking software development to automate decision flows, analyze customer intent, and manage huge volumes of unstructured data. From AI-driven customer onboarding to predictive loan underwriting and conversational support, our engineers turn complex banking logic into systems that think and act intelligently.
We integrate generative AI in banking platforms to automate report writing, compliance summaries, and document validation. The technology also supports custom knowledge assistants that help internal teams access transaction data or regulatory information instantly.
We use Agentic AI to build autonomous banking modules that manage tasks like KYC validation, transaction reconciliation, and fraud case triage. These digital agents operate under strict audit trails, keeping accuracy high and workloads lighter.
We leverage machine learning algorithms to power fraud monitoring, credit scoring, and transaction analytics. The ML algorithms we train continuously refine themselves, helping your bank spot unusual activity, reduce manual reviews, and make faster, data-backed lending decisions.
We apply computer vision in banking software to automate identity verification, document processing, and visual fraud checks. From KYC image validation and cheque scanning to ATM and branch surveillance, computer vision reduces manual effort while improving accuracy, compliance, and operational speed.
We integrate blockchain technology in banking software to simplify settlements, verify digital identities, and make transactions tamper-proof. Through private blockchain networks and smart contract automation, we help your financial institution build trust, transparency, and traceable operations into their core platforms.
We build cloud-based banking software architecture that runs on AWS, Azure, or GCP, allowing seamless scaling across geographies. We use containerized microservices and DevOps automation to deploy new updates quickly, improve uptime, and keep systems resilient during peak transaction hours.
We embed data analytics in banking software to connect operations, compliance, and strategy. By building data lakes and real-time dashboards, we help banks track KPIs, detect performance gaps, and turn raw data into insights that drive executive decision-making.
We integrate security into the DNA of your infrastructure. By implementing zero trust architectures and real-time threat intelligence, we ensure your banking platform is resilient against sophisticated cyberattacks while remaining fully compliant.
Our banking software developers use IoT integrations to connect ATMs, payment terminals, and smart branches with central systems. This allows real-time service monitoring, remote diagnostics, and data synchronization that improves efficiency and customer convenience.
We build digital platforms that help global banks and fintechs win
customer trust, stay fully compliant, and lead in every market.
We don't rush into development. The first thing we do is talk with business heads, IT teams, and compliance officers - to figure out what the bank really needs. It could be shorter loan cycles, better reporting, or modernizing an old core. Once we know the real goal, we shape a banking software development plan that fits it.
Before we touch the code, we go through what already exists. Most banks have several systems running side by side - some outdated, some still working fine. We map everything, note down integration gaps, and highlight compliance or performance issues. This audit helps decide what gets replaced and what stays within your banking software infrastructure.
Once the picture is clear, we design how everything fits together. Using cloud-native microservices, secure APIs, and modular setups, we plan software that's fast to update and easy to maintain. The design focuses on stability, uptime, and alignment with banking regulations from day one.
Then the real work starts. Our engineers build in small sprints and test constantly. We connect your core banking software, CRM, lending tools, and payment systems into one network, so data flows smoothly instead of sitting in silos. This phase is where the new system starts feeling alive.
Security isn't an add-on - it's part of every layer. We follow Basel III, PCI DSS, GDPR, SOC 2, and ISO 27001 standards throughout development. Things like encryption, access control, and audit trails are built directly into the architecture. That way, your software stays compliant even when the rules change.
Once everything's in place, we test it like it's live. We simulate traffic, transactions, and failures to see how the system reacts. We check every connection and dashboard, making sure it holds up under real banking loads. The point is to find issues before customers ever can.
Launching a new system can't be chaotic. We go live in stages, keeping the existing setup stable while the new one rolls out. We train teams, document the changes, and stay around to help as users settle in. The transition feels like an upgrade, not a disruption.
After launch, we don't disappear. As your banking software development company, we keep an eye on performance, apply security patches, and tweak things as regulations evolve. You won't need another rebuild every few years - your platform keeps getting better quietly in the background.
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.
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.
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.
Integrating technologies like AI, blockchain, and IoT presents challenges in the form of:
Appinventiv, as your banking software services firm, 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.
Developing banking applications is mainly based on complying with industry standards and security to preserve customer details. Key requirements include:
Here are some of the top must-have features to look for in a banking software:
These technology trends are currently shaping the future of bank 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 banking software services help you launch new products faster than competitors still stuck with old systems.
