Let’s build the future of fintech, starting with your next project.
Case Studies
Explore real-world fintech case studies that showcase how we solve complex regulatory, security, and scalability challenges through tailored technology and 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
Key Questions Answered
Whether you’re launching your first payment platform or upgrading a banking system, you probably have a few questions before diving in. We’ve gathered the answers to help you understand how we can help.
Your Trusted Partner in Fintech
At Emerline, we’ve spent over a decade helping financial institutions and fast-growing fintech startups thrive in a highly regulated environment. From digital banking and payment solutions to wealth management and insurtech platforms, our team understands what drives success in finance.
14
+
years in fintech and banking app development
25 Reviews on Clutch
100
+
successfully launched financial products
800
+
experienced full-time employees
How We Make AI Work for Fintech
Behavior analytics
We use AI to analyze payment data and customer interactions, enabling banks and fintechs to identify spending patterns, group similar users, and make informed decisions about products and marketing strategies.
Smarter credit scoring
Our team builds credit scoring models that combine credit history with alternative data analysis (transactional behavior, cashflow signals, device/usage patterns). To meet regulatory expectations, we add explainability (XAI) with reason codes and transparent model logic for audit-ready decisions.
Fraud detection
We detect fraud and AML patterns in real time using anomaly detection and Graph Neural Networks (GNN) to uncover complex networks, mule accounts, and coordinated money-laundering rings. Our models adapt to new threats with continuous learning and robust monitoring.
Personalized financial experiences
Generative AI assistants built by our team use RAG (Retrieval-Augmented Generation) to ground answers in approved product knowledge, policies, and user context, supporting personalized guidance, smarter self-service, and consistent outputs.
Compliance automation
AI automates compliance tasks, including AML/KYC checks, transaction monitoring, risk assessment, and regulatory reporting, reducing manual effort and errors while ensuring ongoing compliance through audit trails and governance.
Predictive analytics
We turn raw data into actionable insights. From forecasting customer churn to spotting market trends, our predictive models help companies make decisions based on facts, not assumptions.
Why Fintech Leaders Choose Emerline
Working together with us means moving beyond theory. We create fintech products that are ready for today’s market and tomorrow’s growth. Explore what sets our approach apart.
Deep financial and regulatory expertise
We speak the language of finance. Our consultants design regulation-ready fintech across the EU, UK, and US, covering KYC/AML and key frameworks from PSD2, MiFID, MiCA, and DORA to FCA expectations and SEC/FINRA requirements, so compliance is built in and user trust is earned from day one.
Digital-first transformation
We help fintechs adopt modern, digital-first processes. From automating workflows to implementing smart digital tools, we focus on solutions that improve efficiency, reduce operational friction, and enhance user experience.
Streamlined market entry
We help fintechs quickly launch products and scale them efficiently by optimizing workflows, integrating digital-first tools, and maintaining strict security and compliance standards.
Secure and compliant architecture
We build fintech architectures that prioritize security and compliance as standard. Every layer, from encryption and identity management to regulatory alignment, works together to keep your infrastructure safe, stable, and ready to grow.
Innovation partnership
We help you bring advanced technologies into your fintech products, whether it’s AI for smarter risk scoring or blockchain for secure, transparent transactions.
Global best practices, local context
We combine global experience with local market knowledge, ensuring your solutions work wherever your business grows.
Services We Offer for Modern Fintech Needs
We don’t just talk about fintech innovation - we build it. Take a look at some of the services we provide.
AI mobile banking app
NeoBank app development
Customer data platform
AI chatbots for banking
Fintech learning streaming platform
AI agent development for banking and fintech
Partnerships and Certifications
Our Core Fintech Consulting Services
We collaborate with fintechs and financial institutions to design technology that’s fast, compliant, and ready to scale. Our consultants combine solid engineering experience with a deep understanding of financial regulations and business priorities.
Fintech technology strategy
We help define a fintech technology roadmap: select the right stack, validate scope and risks, and deliver a market-ready, regulation-aware MVP. Get clear architecture decisions, delivery milestones, and governance to scale with stakeholders aligned.
Agentic AI and intelligent automation
Deploy AI agents and intelligent automation to streamline complex workflows, from fraud detection and KYC/AML to smarter underwriting and loan origination. We also build Explainable AI to support regulatory transparency and reduce “black box” risk.
Regtech compliance and operational resilience
We help you align with KYC/AML and GDPR/CCPA requirements and design DORA-ready ICT risk management, incident reporting, and third-party controls. We also prepare payment platforms for the PSD3/PSR update and evolving open-banking requirements.
Product and scaling advisory
Align product strategy with growth, from MVP to global scale. We help shape your roadmap, go-to-market, and pricing, and plan scalable architecture and operating models, enabling teams to reduce rework and expand into new markets faster.
Core banking and legacy modernization
Eliminate technical debt without disruption. We modernize core banking and payment back-ends with Strangler Fig and microservices decomposition, preserving continuity while moving to cloud-native, API-first architecture with safer releases at scale.
Open Banking and financial data access
We integrate with open-banking platforms and data aggregators, enable A2A (“Pay by Bank”) flows, and support compliance with data-access rules across markets: PSD2 today and preparation for PSD3/PSR updates in Europe.
Embedded Finance and BaaS
Unlock new revenue streams with Banking-as-a-Service (BaaS). We design secure API orchestration layers to embed financial products across digital platforms, strengthening ecosystem connectivity, integration governance, and operational scalability.
Payment infrastructure and integrations
Design and implement payment flows end-to-end: from gateway integration and tokenization to payouts, reconciliation, and dispute management. We work with Stripe and are experienced in integrating providers such as Adyen, Braintree, WePay, and others.
Cloud migration and FinOps advisory
Support secure cloud migration to AWS, Azure, or hybrid environments, then apply FinOps to optimize costs and governance. We set security and compliance guardrails, improve cost visibility and allocation, helping you scale efficiently as usage grows.
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