Fintech App Development
Our fintech app development work covers mobile banking, payments, lending and investing products for Canadian financial companies and startups. Money apps get judged on trust, so we plan security, testing and review time into the schedule rather than bolting them on at the end.
Apps we build for fintech
- Mobile banking apps with balances, transfers, statements and card controls
- Digital wallets and person-to-person payment apps
- Budgeting and personal finance apps that categorise spending
- Investing and trading apps with portfolios, watchlists and order flow
- Lending apps covering application, document upload, decisioning and repayment
- Insurance quote, policy and claims apps
Key features
- Biometric sign-in, multi-factor authentication and device binding
- Identity verification flows with document capture and liveness checks
- Encryption in transit and at rest, with keys held in hardware-backed storage
- Transaction alerts, limits, card freeze and dispute reporting
- Anomaly detection hooks and session monitoring for suspicious activity
- Statement export, tax documents and clear transaction history
Compliance and considerations
Financial apps in Canada sit under PIPEDA for personal information, and card data is governed by the PCI DSS rules your acquirer and payment provider impose. If your product moves money on behalf of others, your compliance team may also have obligations under Canada's anti-money-laundering regime administered by FINTRAC, including identity verification and record keeping. We build to the control requirements your compliance and risk people define: tokenised payments so raw card numbers never touch your servers, logging that supports investigations, and a codebase ready for penetration testing before launch.
Why fintech companies choose us
- Security is scheduled work with a named owner, not a checklist at the end of the project
- We work with your payment provider and card processor so sensitive data stays tokenised
- Penetration test support: we book the window, fix findings and retest before you go live
- Experience shipping apps that passed third-party security review ahead of a funding round
- Fixed-scope quotes with milestones your finance team can plan against
- Full code and infrastructure handover, with runbooks for your internal team
See every industry we serve, compare project pricing, or read how a project runs before you send us a brief.
FAQ
Frequently asked questions
Yes. We work against whatever API your processor, core system or banking-as-a-service provider exposes, build in a sandbox first, and keep card and account credentials tokenised so they never sit in your app or database.
We plan a test window before launch, work with the firm you choose or recommend one, then fix and retest findings. Remediation time is written into the schedule so a report does not delay your launch date.
Most projects land between $50,000 and $199,000. Identity verification, payment integration and security testing are the usual cost drivers, and each is quoted as a separate line so you can see what you are paying for.
A focused product such as a wallet or budgeting app can reach market in 8 to 12 weeks. A full banking or lending platform with verification and back-office tools takes 4 to 7 months.
Yes. Apple and Google both apply extra scrutiny to finance apps, including checks on who publishes the app and what claims you make. We prepare the listing, developer account setup and supporting documentation so review does not stall the launch.
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