years of Fintech expertise
10+
For over 10 years, we have delivered enterprise-grade software solutions. Our Fintech expertise covers the full project lifecycle, from strategic development and secure deployment to ongoing support for clients across North America, Europe, and the Middle East.
Our Technology Stack
AI Tools
Cloud Providers
Data Tools
Our Implementation Framework
We use iterative, agile methodologies to ensure flexibility and responsiveness throughout the development and implementation process.
STEP 1
Discovery and goal definition
We define your core business objectives and measurable KPIs.
STEP 2
Conversational flow design
We design a user-friendly conversational experience for your users.
STEP 3
Secure backend integration
We build and securely integrate the chatbot with your core systems.
STEP 4
Rigorous testing and deployment
We conduct extensive testing before a seamless multi-channel deployment.
STEP 5
Continuous AI optimization
We provide ongoing monitoring and refinement to improve performance.
Empower your Fintech with Intelligent chatbots.
Featured Cases
Data Science Solution for the Fintech Sector
Merchant recognition solution based on ML.
Custom development
+4 more
Custom development
+4 more
Custom development
+4 more
Custom development
+4 more
AI-powered Document Search Service for B2B Customers
Emerline has developed an innovative AI-powered chatbot document search service tailored for B2B customers, designed to significantly enhance document management and retrieval processes in a business environment.
Data Science
+5 more
Data Science
+5 more
Data Science
+5 more
Emerline Helped an AI Company Optimize Store Layouts and Improve Sales Predictions for Large Retailers
Our AI and Data Science professionals developed tailored machine learning models contributing to the improvement of sales forecasting and store layout optimization for major retail leaders in the United States.
Data Science
+3 more
Data Science
+3 more
Data Science
+3 more
Why Choose Emerline
At Emerline, we blend cutting-edge technology with deep fintech expertise to create AI chatbot solutions uniquely tailored for financial institutions.
Deep AI/ML capabilities
With over a decade of AI experience and 40+ successful AI projects, our in-house experts leverage the latest technologies in NLP and machine learning to build truly intelligent solutions.
Proven Fintech expertise
We are not just AI experts - we have a deep understanding of the financial services industry, ensuring your solution meets specific domain challenges.
Security & compliance by design
We build solutions to meet strict industry regulations with end-to-end encryption and secure integration protocols.
Measurable ROI focus
Our process begins by defining your KPIs. We build chatbots engineered to deliver tangible results like cost reduction, faster onboarding, and increased revenue.
Certified quality & reliability
Our development processes are ISO 9001 (Quality) and ISO 27001 (Security) certified, guaranteeing a high standard of delivery and data protection.
End-to-end partnership
We provide full-cycle development, from initial strategy and design through to deployment, ongoing monitoring, and continuous optimization.
Trusted partner for startups and Fortune 500 companies
With a strong team of full-stack software engineers and consultants, we help our clients to achieve unsurpassed quality at all stages of web, mobile, and desktop application development.
30
+
AI experts in-house to build your solution
25 reviews on Clutch
9
offices around the globe
400
+
successfully completed projects
Our offices
Florida, USA
Miami - Headquarters
Poland
Wrocław
Lithuania
Vilnius
Germany
Heidelberg
Real-World Examples
How a European NeoBank scaled support and cut costs by 42%
A rapidly growing European neobank faced soaring customer support costs and slow onboarding. Their manual processes couldn't keep up with user demand, leading to long wait times and high agent workload. We developed and deployed a custom AI chatbot integrated with their core banking system. The solution automated routine inquiries and streamlined KYC verification. The result was a 42% reduction in support center costs, a 73% drop in escalations to human agents, and a 64% faster customer onboarding process, enabling them to scale efficiently while improving the customer experience.
How a financial services firm boosted qualified leads by 216%
A financial services firm struggled to capture and qualify high-intent leads from their website, resulting in a high cost per acquisition. We implemented an AI-powered chatbot to engage visitors 24/7, answer initial questions, and guide potential clients through a qualification funnel. The chatbot successfully identified and nurtured high-value prospects, leading to a 216% increase in qualified leads passed to the sales team and significantly improving conversion rates.
Who We Help
Neobanks and Digital Lenders
needing to scale 24/7 support cost-effectively.
WealthTech Platforms
aiming to automate onboarding and KYC checks.
Payment Processors
seeking to reduce friction in transaction support.
Established Banks
wanting to innovate customer experience securely.
Partnerships and Certifications
AI-Chatbot Development Services for Fintech
Emerline provides end-to-end, tailored AI chatbot development solutions that help financial institutions worldwide improve customer engagement, optimize operations, and drive greater efficiency.
Intelligent customer support automation
Deploy AI chatbots to provide instant, 24/7 answers to routine inquiries, freeing your human agents to handle high-value, complex issues and reducing operational costs.
Automated KYC and customer onboarding
Reduce friction and accelerate growth with conversational AI that guides users through document uploads and identity verification, cutting processing time and improving completion rates.
Personalized financial guidance
Transform your chatbot into a proactive financial assistant that offers tailored product recommendations and budgeting tips based on user data to deepen engagement and drive revenue.
Secure backend and systems integration
We build robust backends and securely integrate your chatbot with core banking platforms, CRMs, and APIs, ensuring real-time data access and end-to-end process automation.
Conversational design and NLP configuration
We design intuitive conversational flows and configure advanced Natural Language Processing (NLP) engines to ensure your chatbot accurately understands user intent for financial queries.
Continuous monitoring and optimization
We provide ongoing monitoring and performance analysis post-deployment, continuously refining the AI model based on user feedback to improve accuracy and effectiveness over time.
Typical Use Cases
Discover how AI chatbots transform fintech—streamlining customer service, enhancing security, and delivering personalized financial experiences that drive loyalty and growth.
Instant balance and transaction history
Provide customers with immediate, on-demand access to their account balances and recent transaction history without needing to log into an app.
Real-time payment and transfer support
Assist users in initiating money transfers, checking the status of payments, and resolving common transaction issues conversationally.
24/7 fraud and security alerts
Proactively notify users of suspicious activity and guide them through the steps to secure their account, building trust and reducing risk.
Automated account recovery
Guide users through secure, multi-step processes for password resets and account recovery, reducing the burden on live support agents.
Conversational lead qualification
Engage website visitors with product information, answer their questions in real-time, and qualify high-intent leads before handing them off to a sales representative.
Proactive budgeting and savings qoals
Offer personalized spending analysis, deliver proactive budget alerts, and help users set up and track progress toward their financial savings goals.
Product and service upselling
Analyze user behavior to proactively suggest relevant financial products, such as a new credit card or a high-yield savings account, at the right moment.
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
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
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
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