Mobile Banking & Payments
Consumer and business banking apps, mobile wallets, P2P payments, and payment processing integrations. Built for security, reliability, and regulatory compliance.
Fintech App Development
We build secure mobile banking apps, payment platforms, lending tools, and compliance systems for financial services companies - from Charlotte's banking corridor to fintech startups across the Southeast.
What We Build for Fintech
End-to-end financial product development - from consumer banking interfaces to back-office compliance tools.
Lending & Credit Platforms
Loan origination workflows, credit decisioning interfaces, document management, and borrower-facing mobile experiences for consumer and commercial lending.
Wealth & Investment Tools
Portfolio dashboards, robo-advisory interfaces, market data visualization, and client-facing investment platforms with real-time data and secure account management.
Compliance & RegTech
KYC/AML verification flows, transaction monitoring dashboards, regulatory reporting tools, and audit trail systems built to satisfy examiner scrutiny.
AI for Financial Services
Fraud detection models, automated document processing, customer service AI, and intelligent workflow automation tailored to financial services operations.
API & Integration Layer
Core banking integrations, Plaid and payment processor connections, data aggregation, and middleware that connects modern apps to legacy financial infrastructure.
Financial-Grade Security
Financial applications demand the highest security standards. We build them in from the architecture level.
End-to-end encryption
Data encrypted at rest and in transit with industry-standard algorithms. Secure key management and certificate pinning for mobile clients.
Regulatory compliance
Architecture designed for PCI-DSS, SOC 2, and banking regulatory requirements. Audit logging, access controls, and data retention policies built from the foundation.
Secure authentication
Biometric login, MFA, session management, and device trust. User authentication that meets financial-grade security standards without sacrificing the user experience.
Regional Fintech Ecosystem
Charlotte is the second-largest banking hub in the United States. Bank of America, Truist, LPL Financial, and hundreds of fintech startups call the city home. This concentration of financial services expertise creates a unique ecosystem where fintech innovation is grounded in real banking operations and regulatory understanding.
As a local development team, we're embedded in this ecosystem. We understand the compliance requirements, the technical patterns that financial institutions expect, and the pace at which fintech companies need to move. Whether you're a bank modernizing legacy systems or a startup building the next payment platform, we deliver with the security and rigor your market demands.
Fintech Development FAQ
Do you have experience with financial services compliance?
Yes. We scope compliance requirements during discovery and build them into the architecture from the start. Our teams have shipped apps that passed PCI-DSS and SOC 2 audits — we can walk your compliance officers through exactly how the system is built.
Can you integrate with core banking systems?
Yes. We build integration layers that connect modern mobile and web apps with core banking platforms, payment processors, and financial data aggregators like Plaid. We handle both well-documented APIs and legacy system connections.
How much does fintech app development cost?
Fintech apps typically range from $75,000 for focused MVPs to $300,000+ for full-featured platforms with compliance infrastructure. Security, compliance, and integration requirements add cost compared to non-regulated apps. We provide detailed estimates after discovery.
Why is Charlotte a good base for fintech development?
Charlotte is the second-largest banking center in the US, home to Bank of America, Truist, and hundreds of fintech companies. Our proximity to this ecosystem means we understand the regulatory environment, technical requirements, and business context that financial services products demand.
Do you work with fintech startups or only banks?
Both. We work with early-stage fintech startups building their first product as well as established financial institutions modernizing legacy systems. Our sprint-based delivery and fixed-price model work well at both scales.
Building a financial product?
Tell us about your product, your compliance requirements, and where you are today. We'll give you a fixed-price proposal and a realistic launch timeline.