Full-service fintech app development company

Drive innovation and foster business growth with a custom-made fintech solution

Fintech solutions made to answer business challenges

Transform your idea into a digital masterpiece with all-in-one fintech app development services. We take care of your project from start to finish: beginning with strategy and market research, through exceptional UX and UI design, to app development and support. Our custom fintech applications mix cutting-edge technology with data-based research to bring solutions that work for your business.

Our fintech software solutions

With 10+ years of experience in the field, we know the challenges and requirements of the fintech industry. See what we can do for you.

Banking app development

Miquido meets the demands of modern banking. Whether you need a client-centered product or a solution to facilitate your business operations, we mix cutting-edge technology with years of our expertise in the field to bring you the best banking solution possible. Change the way people do banking by creating your custom digital banking platform from scratch. Craft user-focused applications such as digital wallets or mobile banking apps with our mobile banking development services. Implement custom Machine Learning features and Data Science solutions to boost your product’s usability, or increase your revenue with long-term data-based strategy.

Insurance app development

The insurtech sector is all about top-notch customer service. There are several ways to gain the trust of your customers. You can go for an excellent, user-centered mobile application or choose a dedicated solution to smoothen things out on the business side. We can take care of both. Our team specialises in custom insurance application development, done with human-centered design in mind, and answering business challenges at the same time. We implement Artificial Intelligence solutions for insurance, such as voice assistants and chatbots, to help you gain a competitive edge and boost customer service standards.

Read about insurance app development

Financial app development

Fintech is an industry like no other. Top-level security is crucial when lots of sensitive data is involved and large sums of money are processed. Impeccable performance is a must, especially in stock trading applications, when time is of the essence. A user-centered approach and high usability come as a priority when the solution must serve thousands of users. Our team delivers tailored financial applications such as web and mobile trading platforms, investment applications, stock exchange apps or advanced savings calculators, built to meet business needs and maintain top-notch industry standards.

Tangible results, right on schedule

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What makes Miquido a top fintech app development company?

Why should you develop your app with Miquido? Our experience in fintech app development speaks for itself—read on to see how we’ve built a reputation as a trusted technology partner.

Award-winning applications

We pride ourselves on excellent applications recognised worldwide. Our fintech applications for Nextbank have been recognised by Singapore Fintech Festival 3 years in a row. Our portfolio of 100+ projects has granted us recognition from prestigious organisations such as Google I/O, UK App Awards or Mobile Trends Awards. We are one of 50 Google-certified software houses globally, which marks excellence in software development and a customer-focused attitude.

All-inclusive approach

You don’t need to juggle multiple teams and vendors to get a fully-functional digital product. From ideation, product strategy, and prototyping, through UX and UI design, to development and maintenance, we take care of your project from start to finish, making sure it turns into a huge success. Transparency and seamless communication are our key values that help you feel in control throughout the entire process.

Custom-made solutions

We want to see your app succeed as much as you do. That’s why there are no one-size-fits-all solutions here. We always study your business goals, needs and expectations carefully, not only to deliver the best solution possible, but also to advise you on the right tech stack or product strategy. Whatever phase your project is in, we always keep the bigger picture in mind, making sure the approach we choose fits the bill perfectly.

Cutting-edge technology

Finance, banking and insurance are known as highly competitive sectors. There are a lot of factors in play if you wish to stay one step ahead of your competitors, and technology is one of them. We always take time to verify your idea and advise you on the tech solutions that will work best in your case. We also offer custom AI-based features and Data Science solutions to make sure your product reaches its full potential.

Well-developed fintech portfolio

You don’t want to put your project in inexperienced hands. Over 10 years of development for the banking, insurance and finance industries has taught us all there is to know about fintech applications. We partner with fintech leaders worldwide such as AXA, BNP Paribas or Aviva, as well as startups like Paymaya and Nextbank. Thanks to that, we’ve gained hands-on experience that gives us the advantage of seeing the bigger picture and understanding what the industry demands.

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What our clients say about our fintech apps

Browsing fintech solutions for your business? Check what our clients say about our work.

Get in touch

Miquido people are truly agile and definitively have a can-do attitude.

James Allan To

Chief Commercial Officer, Nextbank Software Inc.

Flexible with their approach. They are able to adapt to our preferences and work independently without having to involve us in all the details.

Kristoffer Namark

Product Manager, SBAB

They’re very goal-oriented, actively looking for solutions to every challenge. The team is collaborative but still low-maintenance.

Piotr Paraska

Senior Project Manager, BNP Paribas

Our development process

  • 1

    Scoping & estimation

  • 2

    Workshops & preparation

  • 3

    Design & development

  • 4

    Product release

  • 5

    Ongoing support

Understanding your idea and needs

First things first! We always start by identifying the scope of your project and take our time to understand your business needs. This includes discussing the features you want your app to have and the complexity of the project. Thanks to that, we can pick the best solutions required to support your idea, decide on the tech stack and estimate the development time. At the end of this phase, we can give you a general quotation and development schedule.

Preparing the ground for development

This is where the preparations start. Depending on your needs, we put together a session of workshops that help you choose the best product strategy, clarify your vision or decide on the app’s appearance. Whether you wish to focus on user experience and interface, technical details, or just on the strategy part, we arrange a dedicated team to make sure your idea turns into a success. We also take extra time to review the tech requirements and spot possible obstacles down the road. By the end of this phase, we’ve got the wireframes of your product, gathered development requirements, and have prepared the basic documentation of your project.

Bringing your app idea into reality

Although the specifics of this phase may vary, as it depends on the solution you chose, the essence is always clear: it’s the time we get to work and bring your product to life. Usually, this is where we set up the backend architecture of your app, complete your app’s designs and develop your solution.The length of this phase depends on the app scope and complexity. It usually takes us 3 months to create a fully-functional MVP – that is, a minimum viable fintech product ready to be released to the market.

Introducing your product to the market

Time to shine! As soon as your fintech app is finished, we take care of the deployment and release. Timing is crucial here: we make sure that every individual part of the system is released on schedule and works perfectly, without any downtime. Once your application is live, we provide ongoing support and maintenance.

Ensuring product growth

The MVP is finished, but our journey doesn’t end here. If you decide that your app needs extra features or changes, we start working right away, all the while supporting the existing version. Whatever plans you have for further product growth – we’ve got you! And if you choose to transfer the project to your in-house team, we help you plan the process and make sure it goes smoothly.

Custom fintech app development

    Struggling to find a solution that fits your expectations perfectly? Choose custom app development. We build our fintech solutions from scratch, starting with deep market research, gathering data-based insights, and studying your needs and business goals carefully to offer you a solution that fits like a glove.

    What is there to gain? Recognisable design to help you stand out and build a strong brand. Scalability and flexibility that lets you adjust your product as your business grows. No unnecessary features, but a product that is tailor-made for you. Development schedule and budget adjusted to your business plan. Full application support and maintenance. And that’s just to name a few!

    Learn more about custom app development

    Want to know more about fintech application development?

    Thinking about launching your own fintech app? Browse the questions our clients often ask and find out all you need to know about our fintech app development services. Or simply shoot us an email!

    Get a quote in 48h

    What is a financial app?

    A financial app, also called a fintech app, is a software solution developed with the aim of managing and optimising various financial processes. Those can include digital banking, personalised money management, market investments, insurance activities, and many other different operations. The popularity of financial apps has risen significantly in recent years as mobile banking has become the new norm, and the fintech app industry is only predicted to continue to expand in the near future.

    How much does a fintech app cost?

    The cost of your fintech app can vary depending on numerous factors, some of which will have more of an impact on the final price than others. The basic questions that will help to estimate the cost of your project are:

    • How complex is the app idea?
    • What features do you want the app to have?
    • Which technology stack should be used to build your app?

    Having that in mind, the development of a fully functional minimum viable product takes about three months. If we look at average rates for leading software houses in Central Europe, without taking things like design, project management, and app maintenance into account, you can easily estimate that the cost of such MVP developed for one platform (Android or iOS) will be close to around 30 000 GBP.

    Unsure of what your financial app features should be? Consult us; our experts will advise you on what’s best for your unique product idea.

    Which software language is used for a mobile banking app?

    The most commonly used language when it comes to banking app development is Java, which has been the preferred option by the fintech industry for over two decades. Mobile banking apps for Android are most often developed using either Java or Kotlin, which is considered to be the more modern solution, while Swift is used for iOS.

    Custom vs. pre-made fintech app: which one is better?

    As with most such questions, analyzing a company’s particular business needs is the key to a clear answer. There are many companies that would be perfectly satisfied with an out of the box solution. However, if you’re looking for a unique, scalable product, then custom app development is the way to go.

    Pre-made fintech apps have one major asset on their side, which is a significantly lower cost. However, you have to take into account that pre-made solutions come with major drawbacks when it comes to scalability and customization. And when it comes to additional costs along the way, a custom solution may actually prove to be the cheaper choice in the long run. Custom app development allows you to stay ahead of competition as it offers the possibility of making various changes and adding multiple new features.

    How can I verify my application idea?

    First things first, you should have a clear understanding of the problem that your app is supposed to solve. The key to a successful digital product is pinpointing current user needs and knowing exactly how to respond to them. The first step on this journey should focus on answering the question: is there any demand for what I’m offering?

    Secondly, you should get to know your potential user base and whether or not they’re likely to use the app. Thorough background research is essential in order to verify a product idea. Try to estimate the number of users your app is likely to have and find out if there are similar options already on the market. If so, think about the benefits of your app that would make users switch to a new solution. Ideally, you’d have a list of features for your new app and be able to compare them with what the competitors have in store. To assist you in achieving your business goals, at Miquido we offer a range of Product Ideation & Strategy services that will help you to refine your app idea and make sure you’re on the right track.

    Of course, the real test comes once the app goes live. There’s always a risk, and that’s why we recommend starting with a minimum viable product in order to gain real insight into your users’ needs and receive the much needed feedback on your app idea.

    What are the benefits of AI in banking?

    Throughout recent years, AI has helped to automate and optimise many banking processes. For one, Artificial Intelligence plays a huge role in ensuring transaction safety and preventing credit card fraud thanks to thorough AI-based customer behaviour analysis. Banks are also able to perform loan risk assessments more efficiently by using AI to examine the data about potential loan recipients and pinpoint the associated risks. A massive benefit of using AI in banking comes in the form of virtual assistants and chatbots that can significantly improve customer service while also reducing the need for phone calls and personal visits at the bank. Thanks to AI, banks can also upgrade customer experience by recommending services to the users based on their behaviour.

    Why is it worth investing in AI app features?

    The most obvious answer to this question requires only one word: personalization. Using AI to analyze and process enormous amounts of data can help you better understand your users and give them a personalised experience, which makes for better user engagement and loyalty to your digital product. It is also worth noting that the use of AI powered speech recognition technology is currently on the rise, and is only expected to grow in the upcoming years. Taking into account the recent tech trends, equipping your app with AI features may be crucial when it comes to staying ahead of the competition.

    Browse our tech tips and business insights

    Want to talk about your idea?

    Hi, I’m Krzysztof, Head of Sales at Miquido. Fill in the form to the right and we’ll get in touch soon!


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