Still deciding which fintech developers are the best fit for your stack and roadmap?
Our Tech Stack
Case Studies
Explore fintech case studies that demonstrate how we tackle regulatory, security, and scalability challenges with customized, data-driven solutions.
Solution category
Digital lending platform
Country
USA
Industry
Fintech
Why Hire Emerline as Your Fintech Technology Partner?
High-load engineering & resilient financial architecture
With 14+ years of experience, we design high-availability systems that handle massive transaction volumes. Our solutions are scalable, resilient, and built for institutional-grade performance.
Institutional security & regulatory-ready governance
Security is embedded at the core of every solution. By aligning with ISO 27001, 9001, and 55001 standards, we ensure your business stays compliant with global financial regulations and audit-ready at all times.
Agile delivery: from MVP to global scale
We keep pace with the fast-moving fintech market. Whether you need an investment-ready MVP in 2–5 months or a large-scale enterprise rollout, our flexible engagement models support your funding rounds and market expansion.
Strategic synergy & 20 years of enterprise heritage
We focus on your business logic, not just technical execution. Leveraging the 20-year legacy of LeverX, we deliver technology that drives long-term success and aligns with industry-leading financial practices.
Hybrid integration & vendor-neutral agility
We create flexible, vendor-neutral environments by integrating cloud-native solutions across AWS, Google Cloud, and Databricks. This ensures maximum agility and avoids vendor lock-in.
Full-cycle fintech expertise: R&D to 24/7 support
Our end-to-end services cover dedicated R&D, stress-testing, architecture, and continuous 24/7 support. Our global delivery model keeps your services secure and fully operational across all time zones.
Awards and Recognitions
Frequently Asked Questions About Hiring Fintech Developers
When you’re building a financial product, you need clarity at every step. Below, we’ve collected the most important questions clients usually ask when deciding whether we’re the right partner for their fintech project.
Why Companies Choose Our Dedicated Fintech Developers
Our teams bring deep fintech expertise with proven experience in regtech, core banking, and payment systems. We operate under strict security and quality standards, including PCI DSS, GDPR, and HIPAA (where relevant), as well as EU operational resilience requirements under DORA and US cybersecurity and disclosure frameworks. With faster hiring cycles and lower operational costs, our outsourcing model helps companies scale efficiently and securely.
14
+
years of expertise in fintech engineering
25 Reviews on Clutch
800
+
experienced full-time employees
90
%
senior/middle-level developers
How We Build a Unified Team Without Borders
Flexible engagement models
We begin by defining the setup that matches your goals. You can choose a dedicated team for long-term growth, add specialists through staff augmentation, or scale up and down with a time-and-materials format. Each model remains efficient even when your priorities shift.
Full cultural and time zone alignment
We ensure that your team and ours work in sync. Overlapping hours, shared communication habits, and an understanding of your team’s culture make collaboration feel natural instead of forced.
Intellectual property protection
Your code, data, and business logic remain fully protected. We operate under strict NDAs, follow controlled access policies, and rely on legal frameworks that safeguard all intellectual property throughout the entire cooperation.
Agile, Scrum, and Kanban readiness
Our engineers are experienced working within mature processes. They can join your Agile, Scrum, or Kanban cycle without a learning curve, follow sprint rituals, and maintain predictable delivery from the first iteration.
Maximum transparency and reporting
You get full visibility into the workload and progress. We track tasks, hours, and deliverables through the project management tools you prefer. This approach allows you to stay in control while avoiding micromanagement.
Proactive quality and risk management
We don’t just execute tasks; we look ahead. Our teams monitor potential risks early, maintain code quality, and communicate issues before they turn into blockers, helping your project stay stable and predictable.
Our Core Fintech Talent and Specializations
Financial platforms require precise logic, predictable performance, and strong security. Our engineers have solid expertise in high-load architectures, secure data flows, and compliance-driven development. Here are the roles we bring to your project.
Back-end and core banking developers
Building and modernizing core banking and back-end systems across modern and legacy stacks. We staff engineers across broad stacks, including niche legacy talent (e.g., COBOL) for critical core support and controlled modernization.
Solution architects
Designing target architectures for regulated financial systems, defining integration patterns, security controls, and scalability principles, and ensuring architectural alignment across teams and stakeholders.
Mobile app developers
Building secure onboarding flows and protected mobile experiences by working with Swift for iOS, Kotlin for Android, and React Native or Flutter for unified neobank and digital wallet applications.
AI and ML engineers, data scientists
Training scoring models, building fraud detection pipelines, and developing personalization systems, along with other predictive analytics, using Python-based ML frameworks.
DevOps and cloud engineers
Configuring AWS or Azure environments by managing IaC with Terraform, running CI/CD pipelines for Java/Spring, .NET, and mobile builds, and maintaining monitoring tools adapted to financial workloads.
Security-focused QA engineers
Executing penetration testing, validating API behavior in Java/Spring, .NET, and Python services, checking secure data handling in Swift, Kotlin, React Native, and Flutter apps, and helping ensure financial compliance alignment.
Complementary Services Tailored for Fintech
When you bring fintech developers on board, you often need more than code. You need people who can help you shape new products, modernize existing ones, and bring ideas to life with the right mix of technical expertise and domain knowledge. Below are some of the additional services we offer to support your growth from various angles.
AI mobile banking app
Customer data platform
Fintech learning streaming platform
Fintech consulting services
AI chatbots for banking
AI agent development for banking and fintech
Partnerships and Certifications
As a part of LeverX, Emerline is certified to deliver top-tier customer service and quality products.
Our Project Expertise in Modern Fintech
Our team has spent years developing and enhancing fintech products across various market segments. We understand how financial systems behave in real conditions and what it takes to make them stable, compliant, and ready for growth. Here are the types of projects we handle with confidence.
Custom fintech product development
We build applications that support specific business processes, such as transaction routing, compliance checks, financial analytics, and account management.
Fintech platform upgrades and extensions
We modernize outdated components, redesign workflows, and introduce technical improvements that help platforms stay scalable and compliant.
Neobanking and digital wallet development
Our work includes account creation, identity verification, ledger functionality, payment features, and user interfaces designed to facilitate seamless digital banking.
Payment processing and core system connectivity
We implement processing pipelines, establish communication with core banking systems, and ensure that every transaction is accurately tracked, validated, and recorded.
Loan automation and risk assessment systems
We build solutions that calculate creditworthiness, automate approval flows, and generate risk insights using clear, auditable logic.
Wealthtech solutions
Our team develops platforms that support investment management, market data visualization, portfolio rebalancing, and long-term financial planning.
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