Banking & Fintech Software With Bank-Grade Security
Digital wallets, lending platforms, UPI payment apps, and NBFC systems — engineered with encryption, audit trails, and the reliability money demands.
Financial software has zero tolerance for error. Fanya Tech builds fintech and banking software where security and correctness are engineered in from the first commit — digital wallet apps, loan origination and management systems for NBFCs and microfinance, UPI payment integrations, co-operative banking systems, investment platforms, and neobanking experiences. Every transaction is double-entry ledgered, encrypted in transit and at rest, and fully auditable.
We work within the regulatory landscape your product lives in — RBI digital lending guidelines, KYC/AML workflows, data localization, and PCI DSS-aligned handling — partnering with your compliance team so the tech never becomes the bottleneck. From fintech startup MVPs to systems processing lakhs of transactions daily, we build for trust at scale.
Everything included in our
fintech & banking engagements.
Digital Wallets & Payment Apps
UPI, cards, and wallet-to-wallet transfers with PIN/biometric security and instant reconciliation.
Lending & Loan Management
Origination, credit scoring integration, disbursal, EMI schedules, collections, and NPA tracking for NBFCs.
Co-operative & Micro-Banking
Member accounts, deposits, withdrawals, interest calculation, and branch operations for societies and MFIs.
KYC, AML & Compliance Workflows
Aadhaar/PAN verification APIs, video KYC, transaction monitoring, and regulator-ready audit reports.
Double-Entry Ledger Architecture
Every rupee movement is ledgered, reconciled, and immutable — the foundation fintech trust is built on.
Security & Penetration Testing
Encryption, secure session management, rate limiting, and third-party VAPT before any production launch.
A transparent process that
keeps you in control.
- 01
Discovery & Scoping
We map your business goals, users, and constraints into a clear scope document with milestones, timeline, and a fixed or sprint-based commercial model.
- 02
UI/UX Design
Wireframes evolve into polished, conversion-focused interfaces. You review clickable prototypes before a single line of production code is written.
- 03
Agile Development
Two-week sprints with demo videos, staging access, and transparent progress tracking. You always know exactly what is being built and when.
- 04
QA & Security Testing
Functional, performance, and security testing across devices and browsers. We fix issues before launch — not after your users find them.
- 05
Launch & Growth Support
Production deployment, monitoring, analytics, and a support window. We stay accountable for stability while you focus on growth.
Our tech stack.
Application
- React
- Next.js
- Node.js
- TypeScript
Ledger & Data
- PostgreSQL
- Double-Entry Ledgers
- Redis
- Encrypted Storage
Integrations
- UPI / Payment Gateways
- KYC APIs
- Credit Bureaus
- Banking APIs
Security
- VAPT
- OWASP Practices
- Audit Logging
- PCI DSS-Aligned Handling
Frequently asked
questions.
How much does fintech or banking app development cost?
Fintech builds are scoped case-by-case because security, integrations, and compliance vary widely — typical projects range from ₹1,50,000 to ₹7,50,000+ ($6,000–$30,000+). After an NDA-covered discovery call you receive a detailed architecture proposal and fixed milestone pricing.
How do you handle security for financial applications?
Encryption in transit and at rest, tokenized credentials, role-based access, complete audit logging, OWASP secure-coding practices, and mandatory third-party penetration testing before launch. Security review is a release gate, not an afterthought.
Can you integrate UPI, payment gateways, and KYC APIs?
Yes — UPI via licensed PSP partners, Razorpay/Cashfree/Stripe, Aadhaar and PAN verification, video KYC, credit bureau pulls (CIBIL/Experian), and bank statement analysis APIs. We've integrated the full Indian fintech API ecosystem.
Do you build software for NBFCs and co-operative societies?
Yes — loan origination to collections for NBFCs, and member/deposit/lending operations for credit co-operatives and microfinance institutions, including branch-level access control and regulator-ready reporting.
Who handles regulatory compliance — you or us?
We engineer the technical controls (KYC flows, audit trails, data localization, encryption) and build to your compliance team's or consultant's requirements. Licensing and regulatory filings remain with your business — we make sure the software never blocks them.
Ready to start your fintech & banking project?
Get a free consultation and a fixed, itemized quote within one business day. No pressure, no obligations.