Fintech Software Development Services for Digital Innovation
We build Fintech software solutions that power embedded finance, financial automation, and scalable financial ecosystems for businesses ready to grow.
AI-first development to build scalable fintech infrastructure to empower financial organizations.
Operating in the new-age financial era with legacy systems is a real risk. Organizations need high-speed, high-performance, and infallible fintech infrastructure to support their growth and provide exceptional customer experiences. We at Shaligram help fintech companies, fintech startups, and traditional financial organizations build modern fintech applications and systems that are secure and scalable.Â
AI in fintech is estimated to reach USD 79.4 billion by 2030 at a whopping 19.8% growth rate. At Shaligram, we build AI-embedded Fintech software that comes with better security layers, personalized insights for customers, and new-age features that financial businesses need.
Challenges slowing financial innovation and product growth
Legacy financial systems
We replace outdated core systems that fail in modern financial environments and are unfit to fight sophisticated cyberattacks.
Slow product launches
We expedite development cycles and help fintech companies launch new financial products faster than competitors.
Customer acquisition hurdles
We eliminate poor onboarding experiences and generic features in fintech apps and boost customer acquisition.
Complex compliance requirements
Our fintech development team makes sure your fintech software is compliant with current financial regulations & data privacy laws.
Payment ecosystem fragmentation
We remove all friction points to unify payment infrastructure across payment processors, channels & networks.
Fraud and security risks
At SHALIGRAM, we embed financial platforms with AI-powered layered security and access roles to deter threats from cyberattacks and bot attacks.
Limited financial intelligence
We embed your fintech solutions with built-in AI layers that unify & analyze data to provide continuous financial intelligence for decision-making.
Scalability constraints
Get rid of architecture that slows down your transactions, product launches, and system performance.
Data privacy concerns
We develop applications and systems that protect the confidential and private financial data of your fintech customers.
Fintech software development services we offer
Fintech consulting and product strategy
At SHALIGRAM, we first evaluate who your target audience is, how your business works, the place of financial transactions within your business process, and the relevant regulatory requirements. Based on this information, we help you define the product scope, identify the right use cases, and the right technology for development.
We design fintech solutions tailored to your specific ecosystem. We align our software directly to your operational risk and approval workflows. From custom digital wallets, lending platforms, and specialized trading apps, we build customized fintech software engineered around how your business actually runs.
Financial platform development
We develop financial platforms that connect with banks, card networks, and other financial services. Our financial platforms bring together core functions such as account management, ledger keeping, reconciliation, and reporting while maintaining all transaction records and audit trails.
SaaS product development
We build systems that manage multiple clients in one place. The system keeps your customer data secure and segregated, adds new clients seamlessly, and customizes processes per customer. Our cloud-based financial tools help enterprises process payments, issue loans, and handle accounting without needing their own heavy IT setup.
We assess your existing system and identify what needs to be changed. Based on the assessment, we reengineer slow payment rails, upgrade outdated reporting tools, and incorporate advanced features like new payment gateways, biometric logins, and two-factor authentication. This improves speed and security with zero platform downtime.
API and open banking development
We build secure APIs that allow your application to integrate and communicate reliably with banks, payment processors, financial firms, and third-party service providers. Our open banking development handles all the consent and data privacy rules in the background, so your customers can securely link their bank accounts and pay merchants in just a few taps.
Embedded finance development
With our embedded finance services, you can integrate payments, lending, banking, and wallet features directly into your existing platform. Your customers can complete financial transactions without having to switch apps, while you keep the customer relationship with your own brand.
We develop cloud-based fintech solutions that scale resources as the volume of transactions and demand from customers increases. You get incredible speed during busy periods, reduced server costs when demand drops, and reliable backup systems that keep your platform running smoothly 24/7.
Financial ecosystem integrations
We connect your fintech apps and systems with essential third-party financial tools, including organizations that provide identity verification (KYC) services. We integrate your fintech systems with third-party payment services and platforms offered by credit scoring organizations.
DevOps and platform engineering
We use CI/CD to test and deploy your software updates with minimal disruption. All the updates are checked for bugs prior to roll-out, while new features are initially developed in staging environments or through blue-green or canary releases. In case of any issue, the update is rolled back quickly, keeping your platform running smoothly.
Software maintenance and support
We provide continuous monitoring for your fintech apps & software platforms. We ensure quick bug fixing, extensive software security, and regular maintenance. We also update features, modules, and integrations if required for changing regulations.
Our numbers reflect our commitment
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Software solutions built for modern financial products and services
We build digital banking applications that let your customers manage their accounts, view their transaction history, and apply for loans from any device. This provides convenience to your customers, as they will not need to visit a branch for daily banking activities.
- Real-time account and transaction visibility.
- Secure multi-factor authentication
- Personalized financial dashboards
Capabilities built into scalable financial software
Digital customer onboarding
Make it easy for your fintech leads and prospects to open accounts and activate your financial products with easy digital onboarding flows designed by SHALIGRAM’s fintech software development team.
Identity verification workflows
Our fintech developers implement identity verification stages (extensive document verification) and OTP validations that confirm customer identity before they can avail of your fintech services and access your financial products.
Payment orchestration
No matter how many payment routes or processors your transactions pass through, our payment orchestration layers are capable of managing routing, failover, retries, and reconciliation across processors
Multi-account management
We develop multi-account management features that let your customers easily view, manage, and transact through several financial accounts (banking, trading, loans, etc.) they possess with your platform from a single interface.
Transaction monitoring
We build robust AI-first transaction monitoring capabilities that track financial activities and anomalies across accounts and payment touchpoints in real time. We embed capabilities in your fintech products to detect fraud in early stages.
Customer self-service experiences
We design self-service experiences that let your customers resolve issues, check their primary accounts, update details, and handle their accounts independently. With SHALIGRAM as your fintech development partner, you get fewer support tickets.
Financial analytics and reporting
We build financial analytics and reporting capabilities in the fintech applications as a separate module that monitors transaction data across your ecosystem to provide clear financial intelligence.
Fraud detection workflows
We implement solid fraud detection workflows with competencies to flag suspicious transactions based on pre-trained behavioral and rule-based signals. These workflows route flagged cases for review before funds move.
Workflow automation
SHALIGRAM’s fintech software development team is adept at building seamless automation in your fintech solutions for handling repetitive workflows. Approval processes, banking reconciliations, or alert triggers do not need manual intervention.
Real-time notifications
We develop a threshold-based or trigger-based alert system that notifies users, admins, and fintech personnel of key events. The system sends real-time notifications/alerts that are necessary for customers and staff.
Secure document management
We build secure document management capabilities that store and organize sensitive financial documents with access controls. This capability supports compliance audits and dispute resolution.
Financial organizations we support
Fintech startups
We help Fintech startups build their first product with a clear architecture and compliance foundation. Our teams work with startups with innovative ideas to validate their theories practically with faster MVP development.
Neobanks
SHALIGRAM’s fintech developers have experience working with digital-first neobanks that need software applications for managing their customers’ accounts, cards, and payments. Our platforms support fast neobank customer growth without the constraints of legacy banking infrastructure.
Digital lenders
We develop lending platforms for digital lenders that automate underwriting, disbursement, and collections. Our systems help lenders scale loan volume while managing credit risk.
Payment service providers
We build payment infrastructure for payment service providers that need to process transactions reliably at scale. We develop solutions that support multiple payment methods and settlement networks.
WealthTech companies
We build portfolio management and advisory platforms for WealthTech companies serving retail and institutional clients. Our solutions support both human-advised and automated investment models.
Investment platforms
We develop trading and investment applications for platforms that need real-time market data and order execution. Our systems support multiple asset classes and trading strategies.
Embedded finance providers
We build the technical infrastructure that embedded finance providers use to offer payments, lending, or insurance to their partner businesses. We have experts who connect your apps to licensed financial institutions through secure APIs.
Personal finance platforms
We develop budgeting, savings, and financial tracking applications for personal finance platforms. Our solutions turn transaction data into insights that help end users manage their money.
Financial marketplaces
We build marketplace platforms that connect customers with financial products from multiple providers. Our systems support comparison, application, and fulfillment workflows.
InsurTech companies
We develop policy management, claims processing, and underwriting software for InsurTech companies. Our platforms automate manual insurance workflows and improve customer response times.
Alternative finance providers
We develop new-age fintech applications for alternative finance providers that need solutions such as peer-to-peer lending applications and crowd lending apps. Our platforms ease fund disbursement and repayment tracking for alternative finance providers.
Business outcomes enabled through fintech software development
Faster go-to-market execution
Fintech software built on modular architecture shortens development cycles for new products. Your business launches financial products in weeks instead of months.
Accelerated revenue growth
Our fintech solutions help boost revenues, client accounts, and paid product sales. With frictionless apps and exceptional features, you get more customers to avail of your paid fintech services.
Increased customer acquisition
Intuitive digital experiences, personalized financials, and features that users actually need help prevent customers from uninstalling or abandoning apps after sign-up.
Higher transaction volumes
We build capacity to handle voluminous transactions in your fintech infrastructure, including apps, servers, and integrated services. Lower your fintech apps’ latency even during peak transaction phases.
Expanded product offerings
Modular Fintech software makes it easier to launch new financial products alongside existing ones. Your business adds lending, wallets, or investment features without rebuilding core systems.
Greater operational scalability
Cloud-native architecture lets your Fintech software scale with user growth and transaction demand. This removes the need for costly infrastructure overhauls as your business expands.
Increased customer trust
Secure, compliant Fintech software protects customer data and financial transactions. This builds the trust customers need to keep using and recommending your platform.
Faster financial innovation
Modern development practices let your team test and launch new features quickly. Your business responds to market changes and customer needs ahead of competitors.
Sustainable platform growth
Well-architected Fintech software supports long-term growth without accumulating technical debt. Your platform stays reliable and easy to maintain as your business scales.
Our approach to fintech software development
01
Product discovery and market assessment
We analyze your fintech strengths, vision, business goals, target users, USPs, and market. Then we define the product scope and features, along with the needs for third-party integrations.
02
Platform architecture and solution planning
We design a secure, scalable architecture that supports your product roadmap and compliance requirements. Our architecture planning assures support for your roadmap, compliance needs, and future transaction growth.
03
User experience and customer journey design
We map customer journeys and design interfaces that reduce friction across onboarding, transactions, and account management. Every screen is built around real user behavior, not assumptions.
04
Software development and integration
We build your Fintech software and integrate it with banking infrastructure, payment processors, KYC providers, and AI-powered credit scoring platforms.
05
Security, compliance, and quality validation
At SHALIGRAM, we test and scrutinize the infrastructure, network, and application integrations to find security vulnerabilities and ensure regulatory compliance before anything goes live.
06
Deployment and continuous enhancement
We deploy your Fintech software into production and continue monitoring performance after launch. Our team refines features and fixes issues as your user base and data grow.
Why fintech companies choose SHALIGRAM
Choose SHALIGRAM as your fintech partner
SHALIGRAM brings together Fintech domain knowledge and enterprise software engineering to build platforms that meet both business and regulatory demands. We focus on the workflows, compliance requirements, and growth plans specific to fintech products and services. Our teams work closely with your business to build Fintech software that supports your long-term product roadmap.
- Domain expertise across neobanking, lending, and payments.
- Compliance-first development approach.
- Scalable architecture built for transaction growth.
- Ongoing support through product evolution.
Ready to turn your fintech vision into a market-ready platform?
We build secure, scalable fintech software designed for real business growth.
FAQs
Trusted by businesses around the world for their digital transformation journey
We build a proof of concept (PoC) or MVP of your Fintech product. You get to test feasibility, user response, and technical performance before any large-scale investment for full-scale development.Â