Whether you’re a fast-moving neobank building an MVP or an established financial institution modernizing legacy apps, our team delivers tailored end-to-end fintech mobile app development services to match your vision. If you want a fintech-savvy partner who follows the strictest regulations and can pull off the flawless UX your users expect, *instinctools is built for it.
Housing deep technical expertise across all mobile development approaches under one roof, our experts offer flexibility and strategic foresight that’s hard to match when working with multiple niche vendors.
Using Swift, SwiftUI, and Combine while fully leveraging Apple’s latest frameworks, we build secure, high-performance native iOS apps that fintech leaders can confidently scale. Our team knows its way around Face ID, NFC-based tap-to-pay and card scanning, encrypted Keychain storage, and Core ML for on-device intelligence. Beyond coding, *instinctools helps fintech clients simplify KYC, ensure PSD2 and GDPR compliance, and pass Apple’s App Review on the first try.
Our team excels at delivering intuitive, user-friendly apps that perform well and look good regardless of the device brand, screen size, or Android version. We gear your app to detect tampering, nip fraud in the bud, and sync financial transactions smoothly even under battery-saving restrictions. Due to our comprehensive experience in Google Play’s privacy framework and fintech industry standards, you sail through certifications and updates without a hitch.
For startups and fast-growing fintechs who need to launch fast, we build Android and iOS apps in parallel, using Flutter or React Native. This cuts development time and costs while ensuring feature parity: a single codebase means fewer mismatches and bugs, making maintenance easier. We still deliver near-native performance and consistent UI/UX that looks great and feels smooth across devices.
If you’re looking to accelerate time-to-market and save on development and testing, Flutter is the ideal choice. With a single codebase for both iOS and Android, backed by Google and a global community, we’ll help you bring your ideas to life faster and more efficiently.
Achieve affordable cross-platform compatibility and faster speed-to-market by reusing up to 90% of the codebase between Android and iOS. Powered by a mature, widely supported framework, React Native helps you deliver high-performance mobile apps that reach a broader audience with less effort.
Looking to launch a new fintech app quickly and efficiently? Our PWA development services are built for exactly that. Deliver native app-like experiences, minus the app store friction. Reach users in emerging markets, even on slow networks or low-end devices. All while keeping development costs down by ditching the need for multiple codebases.
Prototypes of simple fintech services or internal tools can be built very quickly thanks to our hybrid fintech app development know-how. We leverage our web development expertise to wrap your web application into a responsive mobile solution. This is ideal for content-heavy or internal apps like bank employee portals or support tools where speed and functionality matter more than cutting-edge UX. Moreover, with instant web code updates, it’s easy to push fixes without App Store delays.
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Let your users glide through financial operations right from their phones. Instinctools’ dedicated software development team builds fintech apps where sleek UX meets fortress-like security, so your brand earns the trust, loyalty, and word-of-mouth referrals it deserves.
Be it an upgrade or a fresh start, we turn mobile banking into your strongest channel. Secure transactions, 24/7/365 availability, AI-enhanced self-service experience, and a full stack of mission-critical features implemented to engage and retain both your corporate and retail clients.
25+ years serving financial industry businesses have taught us to deliver mobile solutions users instinctively trust to plan and execute their investment strategies. Capitalize on our all-in-one fintech mobile app development services for trading platforms, whatever assets your users buy and sell: stocks, fiat, crypto, or alternatives. With *instinctools’ team, you can easily integrate your fintech app with market data feeds or enhance it with ML models for personalized portfolio suggestions.
While traditional financial institutions slow things down with resource-heavy loan application processes and rigorous approvals, you can be the faster, more inclusive alternative for consumers and small businesses who need funds now. With AI-powered risk scoring, real-time ID verification, and automated decision engines, fast lending doesn’t have to mean risky lending. You can also make it more efficient thanks to personalized loan products, smart credit-building tools, and actionable financial stats.
As a fintech mobile app development company, we build PayPal-style mobile payment solutions and contactless/NFC multi-currency wallets like Apple Pay and Google Pay. Domestic and international P2P transfers, in-app payments, tokenized cards, and loyalty programs — it’s all built in. With PCI-compliant gateways and bank-grade encryption within your future payment and transfer app, users tap and pay with 100% confidence.
With the wealth management space so overcrowded, making your mobile app shine is tough. We fix that with advanced tech. Our clients turn to us for AI that spots spending patterns, automatically sorts transactions, and alerts users of budget overruns. Aside from that, we design interactive dashboards that put financial health front and center in a clear and actionable way.
We work with insurance providers looking to break away from the pack through customer-centric mobile offerings as well as with banks that bundle insurance with their core services to open up new revenue streams. To support that, we build mobile applications that digitize key touchpoints, including buying a policy, paying premiums, or filing claims. Features like push notifications for renewals, ID uploads, and instant quotes from carriers form part of a broader toolkit, with every app carefully tailored to the business goals it’s meant to serve.
We’re not just talking push notifications, two-factor authentication (2FA), or biometric login — those are table stakes. We go further, enabling financial institutions to tap into the latest AI innovations to carve out a real competitive edge in a crowded market.
We integrate generative AI chat and voice bots into fintech apps to turn support into a business growth lever, not just a cost center. In addition to a 75% increase in query deflection rate and a 60% boost in first contact resolution (FCR), the delight from NLP/NLG-enhanced chatbot inside our client’s mobile banking app lifted customers’ willingness to recommend the bank to others by 34%.
The financial services industry won’t stand aside from agentic AI. Our fintech mobile app development services company makes sure you jump on board early and get ahead. From autonomous virtual assistants to self-directed trading agents, we build fintech solutions for near-zero manual grind, on-the-spot decisions, and top customer satisfaction. Say a user requests, “Send €200 to my dad,” the app instantly makes the transfer. Agentic flows like this are already running in production for our clients.
There’s no better way to boost retention in a fintech app than by letting customers see clearly where their money goes. Leverage our advanced analytics expertise to give users a transparent view of their finances, with spending habits, investment patterns, credit behavior, and more distilled and visualized through intuitive, prebuilt dashboards. Our data science team takes it further by adding predictive capabilities and actionable alerts generation. Unusual patterns are flagged, credit score changes forecasted, and portfolio growth is projected, all to help users make informed decisions.
In-app personalized budget tips, savings challenges, or robo-advisor’s investment suggestions that don’t irritate but make users feel understood. Combining advanced financial technology with a steadfast commitment to protect sensitive financial data, that’s exactly how we empower financial institutions with high-touch customer service.
The expectations for the quality of the initial product were very high. I think *instinctools did a great job ensuring those expectations are met. We met the developers we were going to be working with and it quickly became apparent that they are very qualified and were able to deliver the vision that we had from our side for the product. They clearly told us what they were going to do, and if there were questions or problems along the way, they clarified them really quickly thanks to transparent communication.
We had a tight delivery deadline and *instinctools has been able to find another developer and assign him to our project from one day to another. And we’ve been able to successfully deliver this project. When the partner is good, things are just getting done. And that was the case with *instinctools.
The quality has been good. It’s been on the expected level: things come on time, we have a good visibility on the things that *instinctools developers are doing and performing for us, communication is good. Wherever we see that we need some more exra resources, we have found *instinctools to be a good partner in helping us out on those areas.
I’ve been impressed by the available skillset, the flexibility to ramp up resources quickly, and the scalability to extend development teams on short notice. I look forward to continue collaboration with *instinctools and their contribution to our projects.
People at *instinctools are quite tech heads, which I like. They have used very advanced libraries, advanced techniques, advanced coding paradigms. So the advantage is that we get reusable code, that we get well-testable code, we get well-maintained code.
The *instinctools team exhibits the flexibility and professionality required for young companies. You can rely on their tested structures and processes that integrate nicely with your internal workflows. Being able to grow your team quickly with experienced professionals that start delivering value immediately and without a long interview process is a huge help. And personally, you will be working with a team of kind and interesting people.
The team is dependable when it comes to managing time and finances, consistently staying within the designated budget. We’re pleased with *instinctools. Their business analysts are exceptional. They serve as the spokespeople between technology and business, representing both sides effectively.
Instinctools is good at understanding the technical issues – once an issue is outlined, they do not need repeated explanation. They also do not simply accept a proposed solution, but they think about it and propose a better solution. I was really impressed by the custom interface they built for us – we outlined the requirements, and they implemented them in a user-friendly way that makes the interface a pleasure to use.
Instinctools does deliver on time and budget. The company proactively asks how they can support our efforts and provide ideas how to help us with very good candidates with expertise that either we requested or that instinctools identified to be missing.
The team demonstrated effective project management, timely delivery, and responsiveness to our needs. They established open communication to facilitate ongoing dialogue and held regular sprint meetings to keep stakeholders informed and engaged throughout the development process.
Following ISO/IEC 27001:2022 and ISO 9001:2015 standards and a proven DevSecOps approach throughout the development process, *instinctools takes care of security, compliance, and your peace of mind. Robust security measures like real-time fraud detection, secure authentication flows, and automated compliance checks are expertly implemented to freeze out scammers in seconds and ensure bulletproof data security.
GDPR, CCPA, PSD2, PCI-DSS, AML, or any local financial regulations — compliance is not a hassle either. Your mobile fintech app is regulatory-ready by design.
Based on our experience, low-to-medium-complexity projects usually take 3 to 6 months. Still, it’s the development approach and the specific functional and non-functional requirements that lay out the timeline. If the logic grows more complex and the scope of features, integrations, and certifications widens, each development stage tends to drag out.
Price swings with complexity, features, and compliance demands. A basic fintech app kicks off around $70,000, while fully loaded, sophisticated fintech solutions climb into the high six figures. We prepare budget estimates tailored exactly to your unique business blueprint and technical vision, so you’ll have complete clarity and no surprises when it comes to your project’s cost.
Native development hands you superior performance, UX, and security, while cross-platform allows for faster delivery and lower costs, which is ideal for MVPs or simpler fintech apps. Each approach has its strengths, but the final choice is something we help you make after a sharp look at your goals, timeline, and budget.
As soon as you submit your request, we get a clear read on your preferred tech and communication skills, team size, rates, and more. With company-level and personal NDAs signed to guard your privacy, we quickly put forward a curated shortlist of candidates. Once you’re confident in the team and terms, we ink the deal and get started.
We put obligatory data encryption in place, follow industry standards like GDPR and PCI DSS, implement role-based access control, conduct regular security audits, and follow through with secure coding practices. Keeping financial data locked down tight is built into every step of our development process.
