FinTech App Development Company

Junkies Coder develops digital banking platforms, payment gateway and processing infrastructure, digital wallets, P2P lending and credit origination systems, WealthTech and robo-advisory applications, InsurTech and claims automation platforms, RegTech compliance tools, blockchain and DeFi applications, AI fraud detection systems, and embedded finance infrastructure. Every solution is custom-engineered to the regulatory jurisdiction, transaction volume, and operational structure of the client financial institution or fintech enterprise.

We architect compliance into every application from the discovery phase rather than introducing it as a post-development remediation exercise. Every fintech platform we deliver is engineered against applicable regulatory frameworks including PCI DSS, GDPR, RBI Master Directions, FCA SYSC, FinCEN AML requirements, and PSD2. This covers KYC and KYB onboarding pipelines, AML transaction monitoring rule engines, sanctions screening, SAR filing automation, and audit log infrastructure built into the application core from the first sprint.

Yes. Our fintech engineering practice includes PCI DSS-scoped architecture design covering cardholder data environment segmentation, HSM-backed key management, point-to-point encryption, tokenization pipelines, and network zone segregation. We coordinate with QSA-certified auditors throughout the development lifecycle to ensure applications enter compliance assessment with documented control evidence and minimal remediation exposure.

We deploy ML models for real-time fraud detection using behavioral analytics and device intelligence, alternative credit scoring using non-traditional financial data signals, AML transaction monitoring with adaptive rule engines, customer churn prediction, personalized financial product recommendation, and AI-assisted claims triage for InsurTech platforms. Deployments use TensorFlow, PyTorch, and managed ML services on AWS and GCP depending on the production environment and model retraining requirements.

A focused single-function fintech application such as a digital wallet or payment gateway typically requires 12 to 16 weeks. Mid-complexity platforms with KYC workflows, multi-user role architecture, and core banking connectivity typically need 20 to 28 weeks. Enterprise-scale platforms covering AI risk intelligence, multi-rail payment processing, regulatory reporting automation, and ERP integration typically require 32 to 48 weeks following a structured discovery and architecture scoping phase.

Yes. We have delivered integrations with Temenos T24, Finacle, Mambu, Oracle FLEXCUBE, and FIS, alongside credit bureau providers including CIBIL, Experian, Equifax, and TransUnion. For payment network connectivity, we integrate with Visa, Mastercard, NPCI, and SWIFT. For data aggregation, we work with Plaid, Finicity, and AA-licensed platforms operating under the RBI Account Aggregator framework in India.

We build RBI Account Aggregator-compliant infrastructure with AA-licensed FIP and FIU integrations, consent artifact management, financial information fetch workflows, and encrypted data transmission aligned to the NBFC-AA technical specification. For international deployments we implement PSD2-compliant AISP and PISP API layers with financial-grade API security profiles and dynamic client registration support.

A focused single-platform fintech application typically requires USD 20,000 to 45,000. Mid-complexity platforms with compliance modules, AI capabilities, and third-party integrations generally range from USD 50,000 to 100,000. Comprehensive enterprise fintech platforms covering multi-rail payment processing, AI risk intelligence, regulatory reporting automation, and core banking integration typically start at USD 110,000 and above. A detailed milestone-based proposal is developed following discovery and architecture scoping.

We apply a defense-in-depth security model across every fintech platform, AES-256 encryption at rest, TLS 1.3 in transit, HSM-backed cryptographic key management, field-level encryption for PII and financial data, role-based access controls with attribute-level permissions, private VPC network architecture, WAF with financial API protection rules, and mandatory third-party penetration testing before every production release. Data residency configurations are applied per operating jurisdiction.

Our fintech support practice covers 24/7 infrastructure monitoring with P1 incident response within two hours, monthly compliance control reviews aligned to regulatory change calendars, quarterly security patch cycles, regulatory reporting update management, and a dedicated technical account manager for enterprise-scale fintech platforms. We also provide ongoing ML model performance monitoring and scheduled retraining cycles for AI-powered fraud detection and credit risk applications.