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Our Tech Stack
Case Studies
Discover fintech case studies showing how we solve regulatory, security, and scalability challenges with tailored, data-driven solutions.
Solution category
AML solution
Country
USA
Industry
Fintech
Why Choose Emerline as Your Fintech Technology Partner?
High-load engineering and resilient financial architecture
With 14+ years of experience, we design high-availability systems capable of processing massive transaction volumes. Our engineering approach ensures your platform remains scalable, resilient, and ready for institutional-grade performance.
Institutional security and regulatory-ready governance
We embed security into the core of every fintech solution. By aligning with ISO 27001, 9001, and 55001 standards, we ensure your business is fully compliant with global financial regulations and prepared for the most stringent audits.
Agile delivery: From investment-ready MVP to global scale
We match the pace of the fintech market. Whether you need an investment-ready MVP in 2–5 months or a large-scale enterprise rollout, our engagement models scale to support your funding rounds and market expansion.
Strategic synergy and 20 years of enterprise heritage
We prioritize your business logic over simple technical execution. Leveraging the 20-year legacy of LeverX, we deliver technology that supports long-term success and aligns with industry-leading financial practices.
Hybrid ecosystem integration and vendor-neutral agility
We build flexible, vendor-neutral environments by integrating cloud-native solutions across AWS, Google Cloud, and Databricks. This approach ensures maximum business agility and prevents vendor lock-in for your financial infrastructure.
Full-cycle fintech expertise: from R&D to 24/7 support
We offer end-to-end services: from dedicated R&D and stress-testing to architecture and 24/7 continuous improvement. Our global delivery model ensures your services remain operational and secure across all time zones.
Awards and Recognitions
Common Questions About Fintech App Development
To make it easier for you to navigate the planning stage, we have compiled the questions that usually arise when companies seek a fintech development partner. You will find straightforward answers based on our daily experience.
Trusted Partner Behind Impactful Fintech App Development
We bring structure and clarity to fintech development, ensuring systems remain stable as functionality and traffic grow. By merging compliance expertise with secure architecture and polished UX, we deliver products built for trust. Our experience across financial domains enables us to support clients in developing solutions with lasting technical and regulatory integrity.
14
+
years in fintech app development
25 Reviews on Clutch
100
+
fintech applications launched
800
+
experienced full-time employees
Key Features We Build
Biometric authentication
Biometric authentication is delivered through platform-agnostic frameworks and fintech-grade partner solutions (e.g., Daon xProof, Candour, IDVerse), incorporating liveness detection and secure handling of biometric templates to reduce fraud and enable seamless access across channels.
Instant payments and transfers
In Real-Time Payments, milliseconds matter. Payment rails and A2A flows are engineered for low latency, high availability, and deterministic processing, with resilient routing, idempotency, and rich observability for rapid issue resolution.
Real-time notifications
We set up an event-based system that monitors all financial actions. Users receive immediate alerts about transactions, balance updates, or flagged activity through secure push channels with consistent delivery.
KYC and AML remote onboarding
The onboarding flow combines automated document capture, OCR-based data extraction, and verification against compliance sources. This approach enables a comprehensive digital identity check that meets regulatory standards without slowing down the user experience.
AI-powered budgeting and PFM
Our models learn from transaction patterns to categorize spend and provide actionable insights. Users receive Personal Finance Management (PFM) dashboards, forecasts, and recommendations that remain relevant as behavior changes.
API integration with third parties
Third-party integrations include Open Banking platforms to enable AIS (account information retrieval) and A2A “Pay by Bank” payments. For financial institutions, Open Banking APIs can be designed and built to deliver compliant, well-governed interfaces to partners.
Our Methodology: Security, UX, and Compliance First
We treat product development as a system of small, deliberate decisions that ensure your solution — and the financial infrastructure behind it — remains secure, high-performing, and genuinely user-friendly. Below are the areas we pay the closest attention to throughout the entire lifecycle.
Regulatory engineering & security
Security and compliance are engineered into the SDLC: strong encryption, biometrics, tokenization, and HSM-backed key management. Controls align with PCI DSS and GDPR, including DORA in the EU, with support for TLPT readiness and incident reporting protocols.
US regulatory alignment
For US-facing products, cybersecurity governance maps to SEC cyber-incident disclosure rules, the FFIEC IT Examination Handbook, NIST CSF practices, and CISA reporting requirements when applicable for critical infrastructure and financial services.
Performance and scalability
Our team builds infrastructures that deliver fast transaction speeds and remain stable as the audience grows into the millions. We rely on distributed environments, optimized data storage, and continuous load testing to keep performance predictable.
Strategic UI and UX design
We design interfaces that feel straightforward, even for complex financial tasks. The goal is to reduce uncertainty for users, help them finish actions confidently, and encourage them to return. Clean layouts, intuitive flows, and thoughtful micro-interactions support a consistent experience across devices.
Open-banking integration
We connect your product with banks and financial platforms through PSD2-compliant APIs. This provides secure access to account data, payment initiation, and a wide range of banking features, without the instability and maintenance risks of ad-hoc integrations.
AI-powered personalization
Machine learning helps the application understand each user’s financial habits. We develop models for personal budgeting, scoring, and recommendation engines that adapt over time and generate insights that are truly useful, rather than generic.
Smart contracts and DeFi bridges
Forward-looking capabilities include smart-contract components and DeFi bridge integrations, enabling token-based use cases and interoperability scenarios, governed by security controls and risk policies.
Full-cycle delivery
Our delivery model covers the full lifecycle. We help shape the idea, turn it into a working system, bring it to the market, and maintain it responsibly. You don’t have to coordinate multiple vendors or worry about gaps between stages as we handle the whole chain.
Additional Services We Offer
Creating a fintech application involves many hidden processes that influence quality and long-term stability. To support your project from technical planning to maintenance, we offer a set of services that help teams work more confidently and avoid unexpected issues during development.
Custom Fintech software development
Fintech consulting services
Software integration services
Data management services
Software migration services
RPA consulting and development services
Fintech Solutions We Build
Fintech users expect clarity and instant results; businesses need stable, secure systems. Our team combines both sides: a smooth customer experience on top of a solid technical core. Here are the main types of products we deliver.
Digital banking and neobanking apps
Omnichannel digital banking across mobile and web, covering onboarding, KYC, PFM, and core-banking connectivity to deliver low-friction customer journeys and operational resilience.
Payment wallets and processing apps
Wallets and payment processing for P2P, NFC, QR, and merchant acquiring, with Real-Time Payments (RTP) and cross-border settlement support, including tokenization and PCI DSS-aligned controls.
Lending and mortgage apps
We develop applications that streamline loan origination and servicing. Automated scoring, agentic underwriting, application tracking, and lifecycle management reduce manual review and accelerate credit decisions with consistent policy controls.
Wealthtech and investment apps
Our team builds trading and investment apps focused on clarity and real-time updates. Users can monitor their portfolios, access market data, and rely on robo-advisors for guidance, all within a well-structured interface.
Regtech and compliance apps
Regtech solutions for AML surveillance, transaction monitoring, IDV and KYC workflows, and automated regulatory reporting, supported by dashboards and rule-based checks to surface anomalies early.
AI solutions for fintech
Integrating AI features into fintech products, including assistants, contextual chatbots, and agents for data checks and risk alerts. For regulated use cases, we implement Explainable AI (XAI), traceability, and audit-ready governance.
Banking-as-a-Service (BaaS) and embedded finance
BaaS and embedded finance enablement via secure APIs for accounts, cards, payments, and lending, underpinned by scalable architecture, governance, and compliance-ready processes.
Insurtech and digital insurance platforms
We build end-to-end insurance solutions that automate policy issuance, claims, and premium calculations. Using AI-driven risk assessment and IoT data, we help insurers offer personalized coverage, cut processing overhead, and deliver a seamless digital experience.
Capital markets and trading infrastructure
Our team develops robust systems for asset management, brokerage, and high-frequency trading, focusing on low-latency data processing, multi-asset support, and complex OMS for secure execution and real-time connectivity to global liquidity.
Emerline is an important part of our strategic team!
Emerline has been our technology partner since late 2012. In the early years I thought that would be a short-term gap fill until I could afford to hire my own technical team in the US. But they have consistently met the demands of our growing company and helped us build what we believe is the industry's best solution option. Emerline provides high quality work, so much so that our platform's reliability and accuracy has been mentioned by our largest customer's internal vendor survey repeatedly. 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!
Emerline is an important part of our strategic team!
Emerline has been our technology partner since late 2012. In the early years I thought that would be a short-term gap fill until I could afford to hire my own technical team in the US. But they have consistently met the demands of our growing company and helped us build what we believe is the industry's best solution option. Emerline provides high quality work, so much so that our platform's reliability and accuracy has been mentioned by our largest customer's internal vendor survey repeatedly. 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
USA
President/CEO, CPG Data
USA
Emerline has been the best development partner we’ve ever worked with!
Emerline has been the best development partner we’ve ever worked with. The team is very responsive and the quality is very high. They are always willing to do whatever is necessary to support development and customer support efforts. I would recommend them to anyone.
Emerline has been the best development partner we’ve ever worked with!
Emerline has been the best development partner we’ve ever worked with. The team is very responsive and the quality is very high. They are always willing to do whatever is necessary to support development and customer support efforts. I would recommend them to anyone.
CEO, Praxie
USA
CEO, Praxie
USA
We recommend Emerline as a trusted technology partner
We can confidently say that Emerline fully met our expectations, starting with providing high-quality advice on technologies that would improve our solution and continuing with their fast, high-quality implementation. Emerline has strong communication processes in place that kept us apprised of the project's stage and allowed us to discuss any issues on the go. The team was professional and promptly made adjustments when asked. We recommend Emerline as a trusted technology partner for developing telemedicine solutions and would choose to work with Emerline again regarding new projects.
We recommend Emerline as a trusted technology partner
We can confidently say that Emerline fully met our expectations, starting with providing high-quality advice on technologies that would improve our solution and continuing with their fast, high-quality implementation. Emerline has strong communication processes in place that kept us apprised of the project's stage and allowed us to discuss any issues on the go. The team was professional and promptly made adjustments when asked. 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
USA
Founder, Hello Ralphie
USA
We are very pleased and content with our relationship with Emerline
We are very pleased and content with our relationship with Emerline. We rely on their team for full-stack development of our platform. We respect the high technical caliber and dedication of the team assigned to our project. Emerline provided us with the scaling we needed to grow development capabilities from early-stage POC to now a globally deployed platform in the HR Teach space.
We are very pleased and content with our relationship with Emerline
We are very pleased and content with our relationship with Emerline. We rely on their team for full-stack development of our platform. We respect the high technical caliber and dedication of the team assigned to our project. Emerline provided us with the scaling we needed to grow development capabilities from early-stage POC to now a globally deployed platform in the HR Teach space.
CEO, Espresa
USA
CEO, Espresa
USA
We highly recommend Emerline as a technology partner
The Emerline team involved in the completion of our projects demonstrated a high level of responsiveness and support by solving issues and answering questions ASAP. They were diligent and proactively addressed the challenges that arose during the development process. Our cooperation ran smoothly and professionally, and Emerline quickly provided direct and correct advice when necessary. 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.
We highly recommend Emerline as a technology partner
The Emerline team involved in the completion of our projects demonstrated a high level of responsiveness and support by solving issues and answering questions ASAP. They were diligent and proactively addressed the challenges that arose during the development process. Our cooperation ran smoothly and professionally, and Emerline quickly provided direct and correct advice when necessary. 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
Germany
VP Global IT, FUCHS Group
Germany
Emerline helped us build an MVP into a full-fledged production platform — in 14 months
Emerline worked closely with us to take the best ideas from our MVP and integrate them with transactional capabilities for digital payments, workflow for job management, and funds transfers for cash advances. Our platform was built to service the roofing industry getting contractors paid faster so they can focus on growing their businesses and servicing their customers.
Emerline helped us build an MVP into a full-fledged production platform — in 14 months
Emerline worked closely with us to take the best ideas from our MVP and integrate them with transactional capabilities for digital payments, workflow for job management, and funds transfers for cash advances. Our platform was built to service the roofing industry getting contractors paid faster so they can focus on growing their businesses and servicing their customers.
Founder and CEO, SquareDash
USA
Founder and CEO, SquareDash
USA
They proved themselves reliable technology partners
Throughout our cooperation with Emerline, they proved themselves reliable technology partners. That’s why we trusted them with our new project — website migration to AEM and revamping our brand’s product catalog that we use across multiple websites — without any hesitation. The team always stayed in touch, providing regular feedback and progress updates. The cooperation was smooth, and the work on the project was completed in due time. They provided an efficient solution that allowed us to reduce infrastructure costs; with it, we didn’t have to depend on third-party vendors. Thanks, Emerline! We will definitely continue working with you.
They proved themselves reliable technology partners
Throughout our cooperation with Emerline, they proved themselves reliable technology partners. That’s why we trusted them with our new project — website migration to AEM and revamping our brand’s product catalog that we use across multiple websites — without any hesitation. The team always stayed in touch, providing regular feedback and progress updates. The cooperation was smooth, and the work on the project was completed in due time. They provided an efficient solution that allowed us to reduce infrastructure costs; with it, we didn’t have to depend on third-party vendors. Thanks, Emerline! We will definitely continue working with you.
IT Director
USA
IT Director
USA
Emerline exceeded expectations!
Redesigning our website wasn't just about updating our look — it was about building a stronger front door for the world to experience Miami’s economic story. As the official EDO for Miami-Dade, we knew the stakes were high. Emerline exceeded expectations. They were consistently organized, forward-thinking, and committed. In less than six months, we had a completely new platform — faster, smarter, and built to grow with us. We’re proud of what we built together!
Emerline exceeded expectations!
Redesigning our website wasn't just about updating our look — it was about building a stronger front door for the world to experience Miami’s economic story. As the official EDO for Miami-Dade, we knew the stakes were high. Emerline exceeded expectations. They were consistently organized, forward-thinking, and committed. In less than six months, we had a completely new platform — faster, smarter, and built to grow with us. We’re proud of what we built together!
President & CEO, Miami-Dade Beacon Council
USA
President & CEO, Miami-Dade Beacon Council
USA
The team gladly brought their expertise and delivered us a perfect solution to meet our customers’ business needs.
The Emerline team wasn’t scared of any challenges and managed to design a solution to cater to any analytical or supply chain tasks. Their enthusiasm and process transparency ensured seamless communication and prompt reaction to any adjustment or focus shift from our side. Their experience and dedication allowed them to provide the solution really fast. We highly recommend choosing Emerline as a development partner if you need a high-end solution for your business.
The team gladly brought their expertise and delivered us a perfect solution to meet our customers’ business needs.
The Emerline team wasn’t scared of any challenges and managed to design a solution to cater to any analytical or supply chain tasks. Their enthusiasm and process transparency ensured seamless communication and prompt reaction to any adjustment or focus shift from our side. Their experience and dedication allowed them to provide the solution really fast. We highly recommend choosing Emerline as a development partner if you need a high-end solution for your business.
Founder & CEO, Kontango
USA
Founder & CEO, Kontango
USA
We recommend Emerline as a reliable and skilled tech partner
Collaboration with Emerline was one of our best decisions! Their team quickly understood both the technical requirements and the industry-specific challenges we were trying to solve. We needed a secure, flexible platform that could support data-driven formulation across different industries, and Emerline delivered exactly that. Their team approached the task with professionalism, understood our goals, and built a solution that met both technical and user-facing needs.The result is a working platform that reduces manual work, speeds up R&D, and supports faster, smarter formulation processes across various industries. From day one, communication was smooth, timelines were clear, and we felt fully supported throughout the project. We highly recommend Emerline as a tech partner for your future initiatives.
We recommend Emerline as a reliable and skilled tech partner
Collaboration with Emerline was one of our best decisions! Their team quickly understood both the technical requirements and the industry-specific challenges we were trying to solve. We needed a secure, flexible platform that could support data-driven formulation across different industries, and Emerline delivered exactly that. Their team approached the task with professionalism, understood our goals, and built a solution that met both technical and user-facing needs.The result is a working platform that reduces manual work, speeds up R&D, and supports faster, smarter formulation processes across various industries. From day one, communication was smooth, timelines were clear, and we felt fully supported throughout the project. We highly recommend Emerline as a tech partner for your future initiatives.
FastFormulator Key Partner and Project Leader
USA
FastFormulator Key Partner and Project Leader
USA
Emerline demonstrated a deep understanding of the client's vision
Emerline demonstrated a deep understanding of the client's vision, delivering a functional MVP on time and within budget. The team was highly responsive to the client's needs and maintained clear communication throughout. Above all, their exceptional project management skills stood out.
Emerline demonstrated a deep understanding of the client's vision
Emerline demonstrated a deep understanding of the client's vision, delivering a functional MVP on time and within budget. The team was highly responsive to the client's needs and maintained clear communication throughout. Above all, their exceptional project management skills stood out.
CEO, Founder of Tribela GmbH
Germany
CEO, Founder of Tribela GmbH
Germany
The level of skill and quality of the developers is outstanding!
Emerline has been helping the client significantly improve their apps for 1.5 years. Their efforts have resulted in positive feedback from users and stakeholders. Moreover, the vendor impresses the client with their skills, flexibility, excellent project management, and effective communication.
The level of skill and quality of the developers is outstanding!
Emerline has been helping the client significantly improve their apps for 1.5 years. Their efforts have resulted in positive feedback from users and stakeholders. Moreover, the vendor impresses the client with their skills, flexibility, excellent project management, and effective communication.
Director, RedWrasse Ltd.
UK
Director, RedWrasse Ltd.
UK
Impressed with transparency, proactiveness, and customer-oriented processes
Emerline helped the client deploy the mobile app on the app store. Their team impressed the client with their transparency, proactiveness, and customer-oriented processes. They informed the client about any issues and addressed them swiftly, positively affecting the product quality and work speed.
Impressed with transparency, proactiveness, and customer-oriented processes
Emerline helped the client deploy the mobile app on the app store. Their team impressed the client with their transparency, proactiveness, and customer-oriented processes. They informed the client about any issues and addressed them swiftly, positively affecting the product quality and work speed.
CEO & Founder, Visible
Switzerland
CEO & Founder, Visible
Switzerland
My experience with Emerline has been great
The team was hired to design and develop the Echospectra mobile and web applications, as well as to integrate them with a variety of cloud services. A critical requirement was to rapidly develop the apps in an agile manner, quickly implementing important stakeholder and user feedback as it came along, and fixing any outstanding bugs. The team managed to accommodate this kind of agile, change-driven process successfully. Thanks to their rapid development approach, we've been able to build the initial app versions and then continuously iterate on them to refine our product offering and make sure it meets and exceeds customer expectations. I highly recommend them to anyone looking for a reliable partner who delivers on time and on budget.
My experience with Emerline has been great
The team was hired to design and develop the Echospectra mobile and web applications, as well as to integrate them with a variety of cloud services. A critical requirement was to rapidly develop the apps in an agile manner, quickly implementing important stakeholder and user feedback as it came along, and fixing any outstanding bugs. The team managed to accommodate this kind of agile, change-driven process successfully. Thanks to their rapid development approach, we've been able to build the initial app versions and then continuously iterate on them to refine our product offering and make sure it meets and exceeds customer expectations. I highly recommend them to anyone looking for a reliable partner who delivers on time and on budget.
CEO, Echospectra
USA
CEO, Echospectra
USA
They were very successful in listening to what we needed
They were very successful in listening to what we needed, making the appropriate suggestions, and pointing us in the right direction. They helped move our software from an awkward and crashy program to one that we depend on everyday. We couldn't do what we do without it.
They were very successful in listening to what we needed
They were very successful in listening to what we needed, making the appropriate suggestions, and pointing us in the right direction. They helped move our software from an awkward and crashy program to one that we depend on everyday. We couldn't do what we do without it.
Business Director, 3QC, Inc.
USA
Business Director, 3QC, Inc.
USA