Fintech software is ordinary software with three extra problems: it touches money, it holds data people can be defrauded with, and a regulator or a bank partner will eventually ask how it works. The firm you hire has to be good at the first part and honest about the other two.
We compared studios and engineering firms that build fintech products, from senior studios to firms with thousands of engineers, using each company's own pages (checked in October 2026). Our pick for most lenders, brokers, advisors and fintech startups that want a focused product built and run is Digital Mundo, because the same senior team designs, builds and keeps running the software, and it has shipped a live lending product of its own.
Here's the TLDR (checked in October 2026):
- Digital Mundo (our pick): Best for lenders, brokers and financial firms that want a focused product or internal tool built and run by one senior team. Prices not published.
- ScienceSoft: Best for banks and established lenders that want a large, ISO 27001-certified vendor. Publishes estimates from $100,000 to $2,000,000+.
- Itexus: Best for mid-size banking, wallet and lending builds with a fintech-only firm. Discovery from about $30,000.
- DashDevs: Best for neobanks, payments and open banking, with a reusable fintech core. MVPs from $50,000 to $150,000.
- Django Stars: Best for mortgage and lending platforms built in Python. Prices not published.
- Netguru: Best for banking app design and delivery for consumer brands. Prices not published.
- Intellias: Best for bank-scale core banking and payments programs. Prices not published.
Quick comparison
| Company | Based | Fintech focus | Security claims (as worded) | Published price range |
|---|---|---|---|---|
| Digital Mundo | Miami and New York | Lending, broker and advisor tools; client portals | None published | Not published |
| ScienceSoft | McKinney, TX, plus 7 offices | Banking, lending, payments, insurance | ISO 27001 and ISO 9001 certified | $100K to $2M+ (estimates) |
| Itexus | Dover, DE and Warsaw | Banking, wallets, lending, trading | "Structured around" SOC 2 and ISO 27001 | From ~$30K discovery; $150K to $1M+ |
| DashDevs | London, Wilmington and 3 EU hubs | Neobanks, payments, open banking, BNPL | Logos shown; standard not named | MVP $50K to $150K; platforms $250K+ |
| Django Stars | Wilmington, DE address; Kyiv office | Mortgage and lending platforms | ISO 27001, 9001, 14001 | Not published |
| Netguru | Poznań, Poland | Banking apps, open banking | "Follow" PCI-DSS and ISO 27001 | Not published |
| Intellias | "17 global delivery locations" | Core banking, payments, ISO 20022 | ISO/IEC 27001 | Not published |
1. Digital Mundo
Digital Mundo is a US software design and development studio based in Miami and New York, with team members in Colombia and the Philippines. It works with companies long term as their software team: it learns how the business runs, then designs, builds and keeps running its internal tools, new products and the AI inside its workflows. Its about page says the team works closely with every client without cutting "corners on quality, accuracy or security." It often builds with Next.js, Laravel and Swift.
The fintech proof point is Ferrylend, a CRM for lending brokers that the studio built and runs: leads, deals, lender submissions and commissions in one place, with AI that summarizes bank statements. Ferrylend's own security page describes the kind of data handling a fintech buyer should ask any vendor about: sensitive fields like SSNs and bank account numbers encrypted under each organization's own key and shown masked, an append-only audit log of sign-ins, exports and reveals, and hosting on AWS in the US. Our Ferrylend review goes through it in detail.
Its software for lenders and brokers page lists what it builds for the sector: CRMs shaped around your stages and commission splits, bank statement summaries for a person to review, lender submission tracking, merchant document portals and funded-volume dashboards. For advisors, the wealth management page covers onboarding flows, client portals and compliance logs, built "with your compliance team."
Pricing: not published. Per how it works, terms are an ongoing arrangement, a fixed price for a defined project, or a share of revenue or equity with the right partner. Code, hosting and accounts are always the client's.
Limits: it's a senior team rather than a large agency, so for a 50-engineer core banking program, pick one of the large firms below. It publishes no compliance certifications: if your bank partner wants a SOC 2 report, ISO 27001 certificate or penetration test from the vendor, ask before you sign (Ferrylend's own security page says it has no SOC 2 report yet). Much of its client work is under NDA, so there are few public case studies and no third-party reviews we could find.
Pick it if: you're a lender, broker, advisor or fintech founder who wants one senior team to design and build a focused product, put a first version in front of customers in weeks rather than months, and keep improving it. Its published work shows the products it's free to show.
2. ScienceSoft
ScienceSoft is a large IT services firm headquartered in McKinney, Texas, with offices in Atlanta, Mexico City, Riga, Vantaa, Warsaw, Riyadh and Fujairah. Its finance practice says it has worked in financial IT "since 2005," with "750+ consultants, engineers, architects, and AI experts," and an "ISO 27001-certified security management system." Its fintech page covers payment gateways and apps, mobile banking, fraud protection, loan management and origination, and KYC/AML automation, and lists PCI DSS, SOC 1 and SOC 2 among the standards it works to.
Published clients include Atlas Credit (a loan management system and lending AI agents) and Kapital Bank (mobile banking).
Pricing: the fintech page estimates development "from $100,000 to $2,000,000+," and the site says these are estimates, not official prices. Most of its projects run on time and materials. Limits: finance is one practice among many industries, and the estimates start where many startup budgets end. Pick it if: you need a vendor that can pass a bank's procurement review and staff a large program.
3. Itexus
Itexus is a fintech-focused development company with offices in Dover, Delaware and Warsaw, and a development center in Eastern Europe. It builds digital banking, account opening and KYC, digital lending and credit scoring, wallets, card issuing, open banking and trading platforms, and names vendors it integrates with, including Plaid, Stripe, Adyen, Sumsub, Onfido, Experian and Equifax. Its headline case study is a digital wallet ecosystem for Coinstar.
Pricing: discovery and prototyping "from around $30,000"; enterprise projects "$150,000 to $1,000,000+." Limits: its security controls are "structured around SOC 2 and ISO/IEC 27001 expectations," which is alignment, not a certificate, and its team figures differ between pages ("150+" engineers on the homepage, "90+" in-house specialists on the company page). Pick it if: you want a firm that only does fintech, at mid-market budgets.
4. DashDevs
DashDevs calls itself "a fintech product development company that designs, builds, and scales regulated financial products," with hubs in London, Wilmington, Budapest, Warsaw and Lisbon. It covers banking software, payment gateways, card issuing, open banking, e-wallets and BNPL. Its Fintech Core is a configurable base layer for customers, payments, accounts and reporting, with a stated "typical time into production" of 12 weeks; it says plainly that it's "not a bank, a licence, or a BaaS provider." Published clients include Tarabut, Chip and Twisto.
Pricing: its fintech development page says a focused MVP "might range from $50,000 to $150,000," and full platforms "typically range from $250,000 upward." Limits: certification logos appear without the standard named, and its lending depth on the site is mostly BNPL. Pick it if: you're launching a neobank, wallet or payments product and want a head start from existing components.
5. Django Stars
Django Stars is a Python and Django specialist with a Wilmington, Delaware mailing address and an office in Kyiv. Its fintech work leans toward mortgage and lending: loan origination, automated underwriting, borrower portals and lending management. Published case studies include MoneyPark (a Swiss mortgage broker), Molo (a UK digital mortgage lender), SAIB, Lendage and Sindeo. Its company page lists ISO 27001, ISO 9001 and ISO 14001.
Pricing: not published. Limits: it's a stack specialist, so it fits best if you want Python; its fintech project counts differ between pages ("100+" vs "22"). Pick it if: you're building a mortgage or lending platform and want a team that has done several.
6. Netguru
Netguru is a product design and engineering consultancy in Poznań, Poland, with "400+ people on board." Its fintech page covers banking apps, open banking, robo-advisory and document digitization, and its published work includes a UBS mobile banking redesign, a credit card solution for Solaris and ADAC, and staff augmentation for FairMoney. It says its processes "follow" GDPR, PCI-DSS and ISO/IEC 27001.
Pricing: not published. Limits: it's a design-and-delivery shop rather than a lending or core banking specialist, and its recent positioning leans toward commerce. Pick it if: the consumer app experience is the product and you want a big design bench.
7. Intellias
Intellias is a large engineering firm with "3k+" engineers and delivery locations across Europe, the Middle East, India and the US. Its banking page covers core banking modernization, open banking, real-time payments and ISO 20022 migration, and its case studies include a custom core system for a Munich digital bank and an AWS migration for a bank with "over 2.5 million customers." It holds ISO/IEC 27001.
Pricing: not published. Limits: bank-scale by design, so it's a poor fit for an MVP, and most of its finance case studies don't name the client. Pick it if: you're a bank or payments company running a multi-year modernization.
How to choose
- Size the team to the problem. A broker CRM, advisor portal or underwriting tool needs a few senior people who understand the workflow. A core banking replacement needs a firm like Intellias or ScienceSoft. Our custom software development roundup covers more generalists, and the mobile app roundup covers consumer app builders.
- Read the compliance wording closely. "Certified," "aligned with" and "follows" aren't the same thing. If your bank partner needs a vendor's SOC 2 report or ISO certificate, ask for the document, not the logo.
- Ask who holds the licences. None of these firms is a bank. Payments, lending and deposits need a licensed partner; the dev firm builds the software around it.
- Check whether you should build at all. For bank statement analysis, for example, off-the-shelf tools exist; see our bank statement analysis software roundup.
- Get ownership in writing. You should own the code, the cloud accounts and the data.
FAQ
How much does fintech software development cost?
Among firms that publish ranges: DashDevs puts a focused MVP at $50,000 to $150,000, Itexus starts discovery around $30,000 with enterprise work at $150,000 to $1,000,000+, and ScienceSoft estimates $100,000 to $2,000,000+. Digital Mundo, Django Stars, Netguru and Intellias quote per project.
Does a fintech development company need SOC 2?
Not by law, but your bank partner, investors or enterprise customers may ask for it, either from you or from vendors who touch your data. Of the firms here, ScienceSoft and Intellias state ISO 27001 certification; Itexus and Netguru use alignment wording; Digital Mundo publishes none.
Should a fintech startup hire an agency or in-house developers?
An agency or studio gets a first version out faster and brings people who've handled payments and sensitive data before. Hire in-house once the product works and you know what you need. Make sure the code and accounts are yours from day one so the handover is easy.
Can a dev firm build a lending or payments product without a licence?
It can build the software, but moving money or lending usually needs a licence or a licensed partner. DashDevs, for example, says its Fintech Core is "not a bank, a licence, or a BaaS provider." Talk to a lawyer about your model.
Shortlist two or three, bring the one workflow that matters most, and ask each to show you something close they've already shipped.
Disclosure: Digital Mundo LLC and Gold Penguin LLC have the same owner.
