Fintech software development company

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Game-changing digital transformation at your fingertips. Bring financial innovation closer to your customers

Companies ready to embrace the new normal and take advantage of thriving solutions such as Artificial Intelligence, automation, big data, cloud computing, blockchain and machine learning are the ones that will win the market and customer loyalty.

Reach for the most wanted fintech solutions


Automate financial assistance

Incorporate machine learning and deep learning into your systems to monitor user transactions, present on-time customised recommendations and provide a high level of security for your customers’ credit loans and limits.


Support your customers on the whole line

Reinforce your customer support teams with fully digitalised and automated solutions. Personalise offerings, forecast user activities and respond on time to all customer queries.


Provide an elevated level of security

Apply blockchain technology to your organisation to ensure your users’ data security. Add advanced solutions such as biometric verification or two-factor authentications to improve payment ease.


Evaluate risk in advance

46% of organisations have reported fraud or other economic crimes within the last 24 months. Strengthen your systems with real-time fraud detection and prevention solutions with AI algorithms.


Receive a single source of truth for gathered data

Back up all your business and development decisions with factual data. The most advanced technology lets you report and analyse recurring market insights and trends to foster innovation.


Develop iOS and Android apps even under strict timelines

Take advantage of our absolute fluency in Kotlin, Swift and Flutter frameworks and expertise in comprehensive project management. Build new features from scratch and use customised managerial solutions.

Make an unconventional impact in fintech with Miquido’s experts onboard

Banking and Finance are among the most digitalised sectors, bold enough to roll out automated solutions and wow customers with a smooth omnichannel experience. Technology-Driven solutions like KYC and Due Diligence, mobile online payments, and algorithmic scoring can notably up the added value of financial services.

Our team of leading tech, design, and development experts provide you with end-to-end fintech solutions to make a significant impact. Moreover, our experience lets us provide you with wider solutions, like banking compliance, security and independent audits of the central bank and building new features from scratch.

Fintech powered by AI is a rapidly growing industry

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The global AI in the fintech market reached a $9.4 billion value in 2021. The market is expected to reach $36.1 billion by 2027, exhibiting a CAGR of 26.1% during 2022-2027.”

AI in Fintech Market, Researchandmarkets, 2022

Case Study: scoring engine development at NextBank that can precisely identify high-risk loans.

Cloud banking solutions to 20+ banks in Southeast Asia. NextBank’s automated scoring engine, supported by machine learning, achieved an 88% ROC AUC score that enabled the precise identification of high-risk loans.

Miquido’s team has worked hard for three years to develop several systems for Nextbank: Cloud Core Banking, Web Internet Banking, Mobile Internet Banking, Agency Banking, AI Credit Scoring and more.

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2020 Singapore Fintech Awards

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number of transactions processed to date

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Provide a superior customer experience in fintech backed up with Miquido’s team development

Real-time online transactions, in-app and P2P payments, cryptocurrencies, and seamless omnichannel experiences are increasingly gaining popularity among modern users.

Responding to today’s customer needs and expectations is the key to winning the market share, establishing authority and presenting a captivating value proposition.

Let modernity and digitalisation define your fintech business

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Ensure frictionless omnichannel user flow and diverse touchpoints

Provide your users with a friendly omnichannel environment, letting them navigate across diverse touchpoints on multiple online and offline channels. Optimise the operational efficiency of the individual communication channels and reduce its costs. Synchronise real-time data to ensure financial customers’ comfort and safety and prevent them from pivoting to your competitors.

Incorporate Flutter to achieve a smooth, native-like app experience

Make sure your user experience and design meet the highest standards, and respond to the most prominent trends. Incorporate Flutter and achieve a smooth, native-like app experience with Miquido’s team of cross-platform experts. Our experience allows us to develop strategic elements even for a newly established digital bank, such as credits and saving features, Crypto Wallets or Buy Now, Pay Later (BNPL) and more.

Case Study: Customers of BNP Paribas’ GOmobile app can manage their finances wherever they are

The application allows quick access to your account, transaction history, charts, gathering all your products in one place, and much more. Miquido team worked on GOmobile simultaneously with other software companies, each developing particular app functions.

We took the responsibility of building the GOTravel function that enables the purchase of travel insurance using Kotlin and Swift technology. Currently over 1 mln GOmobile’s app users are enjoying a wide range of payment methods and safe trips with GOtravel insurance.

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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
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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

Looking for other financial-related services?


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Fintech FAQ

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.

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