Successfully delivering secure, complaint, and scalable solutions to finance leaders and emerging startups - on time and within budget.
10+
Years of experience with banking solutions
700+
Tech-savvy experts ready to start now
2-4
Months is an average MVP delivery window
400+
Happy clients across the globe
Our Fintech Software 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
Our Areas of Expertise
The fintech domain is versatile. Understanding this, we’ve been honing our fintech expertise for years, diving deep into fintech technology aspects in addition to the business side of things. Now, we proudly introduce a wide variety of custom fintech software solutions that we can provide based on your business needs.
Open Banking & Analytics
Integrate open-banking APIs to unlock account data, real-time insights, and personalized offers — with secure consent, data lineage, and audit-ready controls.
Payment Service Solutions (PSP)
Gateways, orchestration, smart routing, ledgers, reconciliation, and chargebacks — with PCI-aware delivery, strong authentication, dispute tooling, and reporting.
Agentic AI in Finance & ML
LLM agents for operations and compliance, document extraction, underwriting support, anomaly detection, and forecasting — built with PII governance and human-in-the-loop guardrails.
Embedded Finance
Add banking functions — accounts, cards, payments, and lending — directly into your product. We design compliant flows, partner integrations, and fast MVP delivery.
Compliance & Risk Management
KYC/KYB orchestration, AML/sanctions screening, fraud detection, and lending risk tools. Secure SDLC, audit trails, and alignment with PCI/ SOC/GLBA expectations.
Digital Banking & Mobile Wallet Apps
Onboarding, account opening, transfers, cards, rewards, statements, alerts, and 2FA — delivered on iOS, Android, and Web with secure APIs and cloud-ready architecture.
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.
Get from concept to completion in 15 weeks
Scoping Sessions
Objective:
Establish a robust foundation through comprehensive planning and discovery.
- 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.
Targeting the Key Feature
Objective:
Retain maximum users by concentrating on essential features.
- 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.
Building a Tangible Prototype
Objective:
Facilitate ideation, prototyping, and validation.
- 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.
Designing Delightful Experiences
Objective:
Craft aesthetically pleasing designs with seamless interactions.
- Ensure the app’s look and feel align with user expectations.
- Resolve real user issues by seamlessly integrating branding, usability, and functionality.
Developing the MVP
Objective:
Transform validated prototypes into a robust MVP.
- 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.
Case Studies
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
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
The cloud-based web platform supports all contract creation and management processes necessary for both sides to collaboratively work together.
Merchant recognition solution based on ML.
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.
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
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
We recommend Emerline as a reliable and skilled tech partner
FastFormulator Key Partner and Project Leader
Emerline has enhanced our software to become an indispensable tool for all our staff.
Business Director, 3QC, Inc.