Successfully delivering secure, compliant, and scalable fintech applications for finance leaders and emerging startups, on time and within budget.
15+
Years of experience with fintech solutions
800+
Tech-savvy experts ready to start now
2-4
Months is an average MVP delivery window
400+
Happy clients across the globe
Developing financial services apps can be risky
There are many factors to get right, from compliance and data protection to integration with existing infrastructure. Missing one of them can quickly impact user trust and business outcomes.
Meeting regulatory and compliance expectations
Preventing financial data breaches and unauthorized use
Reliable integration with legacy and third-party services
Financial Apps We Build
Built from our Open Banking, Embedded Finance, PSP, Compliance/Risk, AI/ML, and Digital Banking capabilities — each app is engineered for security, observability, and audit-ready delivery.
Digital Banking & Mobile Wallets
We build: onboarding & KYC, account opening, transfers & bill pay, cards & rewards, statements & alerts, PFM tools, 2FA/biometrics, secure APIs, iOS/Android/Web apps.
Lending & Credit Platforms
We build: digital applications, document intake & parsing, underwriting workbenches, decisioning rules, pricing & offers, e-sign/e-vault, servicing & collections, dashboards, compliance logs and audit trails.
Merchant & Acquiring / POS Apps
We build: merchant onboarding & KYB, pricing/tiers, terminal/POS integrations, settlement & funding flows, chargeback tooling, fee/rebate engines, and performance dashboards.
Wealth & Investment Apps
We build: onboarding & suitability, portfolio views, goals & rebalancing hooks, order/trade flows, statements & tax docs, advisor workspaces, and analytics.
Accounting, Billing & Reconciliation Apps
We build: invoicing & AR/AP, bank feeds, automated reconciliation, revenue recognition, tax & reporting, multi-entity/multi-currency, and close checklists.
Our Related Fintech Development Services
Supporting you through the development process, from discovery to post-release support, Emerline delivers fintech software to meet your business requirements. Tap into the immense potential of fintech to reimagine workflows and achieve utmost productivity and performance.
Custom fintech software development
Fintech software and technology consulting
Data visualization & analytics
Compliance audit
Data migration
Trust our fintech software development company with the swift and reliable data migration to the cloud to enhance performance and optimize software maintenance costs.
Software customization & integrations
Didn’t see your exact service above? Tell us your use case — custom work is our norm. NDA available.
Case Studies
Lending Platform Transformation
Emerline engineered a new, data-driven foundation for our business that increased our loan approval accuracy and transformed our customer journey from weeks of paperwork into minutes of seamless interaction
Solution category
Digital lending platform
Country
USA
Industry
Fintech
Lending Platform Transformation
Emerline engineered a new, data-driven foundation for our business that increased our loan approval accuracy and transformed our customer journey from weeks of paperwork into minutes of seamless interaction
TrueLedger: Full-cycle Development of the Cloud-based Web Platform
The cloud-based web platform supports all contract creation and management processes necessary for both sides to collaboratively work together.
Data Science Solution for the Fintech Sector
Merchant recognition solution based on ML.
Launching an Automated Claim-Settlement Platform for SquareDash
Helping an ambitious fintech startup build up its MVP to a full-fledged production platform — in 14 months
Awards & Recognitions
With a proven track record of completed projects in fintech and other domains, we’ve helped Fortune 500 startups and established enterprises worldwide achieve better outcomes with next-gen software solutions. Today, we are proud to be recognized as a reliable software provider on a global scale.
Our Fintech Application Development Workflow
Discovery and planning
Objective:
Establish a shared project foundation by aligning business goals, scope, timeline, and architecture.
- Conduct scoping sessions to refine and shape your business ideas.
- Propose technical solutions and articulate a detailed scope of work.
- Issue a Statement of Work outlining project scope, budget, and timeline.
Validation and MVP Build
Objective:
Validate the most critical assumptions early with a prototype, MVP, or PoC, ensuring you invest only in what works and delivers value quickly.
- Enumerate and prioritize all features, emphasizing core functionalities.
- Uphold a minimalist design for optimal product value.
- Define the product’s unique value proposition based on user needs and competitive advantages.
Application development
Objective:
Build the core processing and API layer. Implement provider integrations and internal connectors.
- Execute Design Sprints to transform abstract ideas into a tangible prototype.
- Employ brainstorming sessions and creative exercises to identify viable solutions.
- Produce a tangible prototype for authentic user testing.
Quality assurance
Objective:
Verify the full transaction lifecycle in testing. Validate security, controls, and integration stability.
- Ensure the app’s look and feel align with user expectations.
- Resolve real user issues by seamlessly integrating branding, usability, and functionality.
Launch and support
Objective:
Go live with monitoring and operational readiness. Stabilize performance and iterate on improvements.
- Initiate MVP development based on insights from user engagement.
- Conduct code reviews and algorithm walkthroughs for quality assurance.
- Customize development tools and processes to meet unique client requirements.
Why Choose Emerline
80%
Of our customers turn to us by recommendation.
100+
Global businesses in the US, UK, and EU we worked with successfully delivered their apps to market.
10-15
Weeks is the average period for MVP app delivery.
No restrictions on the project size
We are flexible in terms of project size and can start working at any stage of your application’s lifecycle.
Design Thinking Methodology
Thanks to that methodology and integration of innovation approaches, we create products focused on the users’ needs and solve real business issues.
We think like your users
You get a solution that is built for long term maintainability and delivers clear business return on investment.
From startups to Fortune 500 companies:
We have powered the teams for more than 300 customers
Salaries
Taxes
HR Costs
Office
Benefits
Developer’s rate
Cost of redoing your entire app
All Costs
As a LeverX member, Emerline is certified to deliver top-tier customer service and quality products
The individuals we work with aren't just contractors, they are an important part of our strategic Team and we enjoy working with them every day!
President/CEO, CPG Data
Emerline has been the best development partner we’ve ever worked with!
CEO, Praxie
We recommend Emerline as a trusted technology partner for developing telemedicine solutions and would choose to work with Emerline again regarding new projects.
Founder, Hello Ralphie
Emerline provided us with the scaling we needed to grow our development capabilities from early-stage POC to now a globally deployed platform in the HR Teach space.
CEO, Espresa
We highly recommend Emerline as a technology partner for large and complicated development projects that also delivers continuous cooperation with the provider on new projects.
VP Global IT, FUCHS Group
Emerline helped us build an MVP into a full-fledged production platform — in 14 months
Founder and CEO, SquareDash
Throughout our cooperation with Emerline, they proved themselves reliable technology partners.
IT Director
Emerline exceeded expectations with organized, forward-thinking, and committed teamwork. We’re proud of what we built together!
President & CEO, Miami-Dade Beacon Council
The team gladly brought their expertise and delivered us a perfect solution to meet our customers’ business needs.
Founder & CEO, Kontango
We recommend Emerline as a reliable and skilled tech partner
FastFormulator Key Partner and Project Leader
They consistently delivered items on time, highlighting their commitment to timeliness and organization.
CEO, Founder of Tribela GmbH
The level of skill and quality of the developers is outstanding!
Director, RedWrasse Ltd.
It was noteworthy to highlight the friendly and customer-oriented processes used for product development.
CEO & Founder, Visible
My experience with Emerline has been great. I highly recommend them to anyone looking for a reliable partner who delivers on time and on budget.
CEO, Echospectra
Emerline has enhanced our software to become an indispensable tool for all our staff.
Business Director, 3QC, Inc.