How do you handle PCI scope in mobile apps?

We keep the PCI CDE off the device whenever possible, tokenizing cards with the processor and using SDKs that scope PCI to the payment UI frame only.

Can you ship new features without a full app-store release?

Yes. OTA updates via CodePush/EAS Update plus feature flags let us ship most product changes without going through app review, within policy limits.

What does the secure release process look like?

Staged rollout rings (1% → 10% → 50% → 100%), feature flags, and crash/ANR analytics gating promotion: the same discipline we bring to our backend releases.

Can loan disclosures be shown only inside the app?

Yes, if the borrower has first given E-SIGN consent and can save or print each disclosure. We also place a copy in the borrower's documents area and keep the lender's record copy on the server, so the disclosure survives an uninstall.

Will the app stores accept a personal loan app?

Both stores review loan apps against their own policies. Google Play and Apple require the loan terms to be disclosed and reject loans that must be repaid in full within 60 days. We check the listing, permissions and terms against both policies before the first submission.

How long does it take to build a fintech app?

It depends on how many money flows the first release supports, how many banking, card and identity partners it connects to, the KYC and fraud checks your compliance team requires, and app store review for financial apps. We set the plan after a scoping call.

Can we start with a fixed-scope MVP?

Yes. The first release is scoped to one workflow, such as onboarding with KYC and one account view, and later releases add payments, cards or lending.

Can you connect a fintech app to our existing banking, card and KYC providers?

Yes. We put the banking-as-a-service, processor, card issuing and identity providers behind one integration gateway, so the app talks to one contract and a provider can change without a rewrite.

Do you build the backend as well as the app?

Yes. Our fintech software development covers the APIs, ledger integrations, admin tools and audit trails behind the app, not only the screens.

How do you use AI in delivery without risking quality?

AI tools help our engineers draft code and tests, but a person reviews every change, and it passes the same automated tests and security checks as any other code. Which tools may see your code or data is agreed with you at the start.

Glass of coins with a green seedling growing from it

Financial Services / Fintech App Development

Fintech App Development

Fintech founders and bank digital teams need apps that move money safely and still feel quick to use. Agnotic Technologies builds the app, the integrations with your banking, card and identity partners, and the security controls behind them, for your team to own.

15-Minute Scoping Call

MASVS

Mobile security checks from OWASP MASVS

PCI DSS

Card data kept out of the app's scope

Biometric

Device-backed login and step-up

Trusted by global innovators

Industry Overview

What is fintech app development?

Fintech app development is building the mobile and web apps that move or manage money: onboarding and KYC, accounts, payments, cards, lending and investing, plus the integrations with banking partners and processors behind them. Agnotic Technologies builds fintech apps for founders and bank digital teams, with PCI DSS scope, fraud checks and audit trails designed in.

Industry Challenges

Why do fintech apps stall?

Common problems we hear from fintech teams scoping a new app.

Trust vs. Speed Tradeoff: Heavy compliance layers make most banking apps feel sluggish and intimidating.
Integration Fatigue: KYC, ledger, card issuing, and payment processor integrations turn into brittle spaghetti.
Mobile Security Gaps: Jailbreak/root detection, secure storage, and runtime protection are often afterthoughts.
Release Friction: App-store review cycles and fintech release windows don't naturally align.

Our Approach

How do we build fintech apps?

Engineering choices that keep money flows safe without slowing the app down.

Native Performance Baseline

React Native, Swift, and Kotlin engineered for sub-second interactions even on mid-tier devices.

Compliance-Native Mobile SDK

KYC, biometric auth, PCI-scoped payment UI, and audit logging baked into the app foundation.

Continuous Delivery With Guardrails

OTA updates, release rings, and feature flags that ship safely without surprising regulators.

Capabilities

What goes into a fintech app?

Capabilities we build into fintech apps.

Biometric Auth

Face ID / fingerprint, device binding, and passkey-based login.

Onboarding & KYC

Doc capture, liveness, sanctions screening, and identity verification flows.

Accounts & Transactions

Real-time balances, transaction feeds, and search with sub-second latency.

Payments & Transfers

P2P, bill pay, ACH, RTP, card, and QR payment flows with tokenized credentials.

Card Controls

Freeze/unfreeze, spending limits, and virtual card issuance.

Savings & Investing

Goal-based savings, round-ups, and brokerage/investment modules.

Notifications & Chat

Real-time alerts and in-app support with fraud-aware escalation.

Security Runtime

Jailbreak/root detection, cert pinning, and runtime app self-protection.

How It Works

How is a fintech app structured?

How the app, money modules, compliance checks and partner integrations fit together.

Mobile Foundation

Shared design system, auth module, and secure networking layer.

Money Modules

Accounts, transactions, transfers, cards, and investments as cleanly separated domains.

Compliance Layer

KYC, AML screening, transaction monitoring, and auditable activity trails.

Integration Gateway

BaaS, ledger, issuer-processor, and payment-rails integrations behind one contract.

Delivery Pipeline

OTA updates, staged rollout rings, feature flags, and crash analytics.

Engineering Stack

Technology stack

A pragmatic stack chosen for reliability, speed, and ease of operation.

Mobile

React NativeSwiftKotlinSwiftUIJetpack Compose

Backend

Node.jsGoRustGraphQLPostgreSQL

BaaS / Rails

PlaidMarqetaGalileoModern TreasuryStripe

Identity / KYC

PersonaOnfidoJumioAlloy

Delivery

CodePushEAS UpdateFirebaseFeature flags

Security

OWASP MASVSCert pinningRASPSecure Enclave

Screen-to-rule map

Which disclosure goes on each screen of a money lending app?

Each screen of a money lending app carries a specific disclosure, consent or notice, and money lending app development moves faster when that map exists before design starts. This is the map we start from for closed-end consumer loans; your counsel confirms it for your products and states.

Money lending app screens, what each must show or do, and the rule behind it
Screen	What it must show or do	Rule behind it
Consent to electronic records	Before any disclosure is sent electronically: the right to paper copies, how to withdraw consent, the hardware and software needed, and consent given in a way that shows the borrower can open the documents	E-SIGN Act, 15 U.S.C. 7001(c)
Apply	Saves the completed application with its received date, so the notice deadline can be tracked	Regulation B, 12 CFR 1002.9(a)(1)
Offer	Amount financed, finance charge, APR, payment schedule and total of payments, grouped together and kept apart from marketing copy	Regulation Z, 12 CFR 1026.17(a)(1) and 1026.18
Accept and sign	Disclosures shown before the borrower signs, in a form they can save or print, with the signed copy stored	Regulation Z, 12 CFR 1026.17(a)(1) and (b)
Adverse action	A written notice within 30 days of a completed application, with the specific reasons or the right to request them	Regulation B, 12 CFR 1002.9(a)
Repayment reminder	Due dates and amounts that match the payment schedule in the signed disclosure	Regulation Z, 12 CFR 1026.18(g)
Payoff	The payoff amount, and whether a prepayment penalty applies or a finance charge rebate is due, as disclosed at signing	Regulation Z, 12 CFR 1026.18(k)
Documents	Every disclosure, notice and consent kept in the app for the borrower and on the server for the lender's records	12 CFR 1026.25 (two years) and 12 CFR 1002.12 (25 months for consumer applications)
Store listing and permissions	Maximum APR, repayment period and a representative total cost in the listing, no loans due in full within 60 days, and no access to contacts or photos	Google Play Financial Services policy; App Review Guideline 3.2.2(ix)

Measured Impact

What should a fintech app measure?

Measures we build reporting around, agreed with you before launch.

Activation

New users who finish onboarding and KYC

Crash-free

Sessions without a crash, by release

Fraud

Flagged logins and payments reviewed

Findings

Open MASVS issues by severity

Use Cases

Which fintech products do we build?

Common apps we design for.

Neobank & Challenger Banking

Consumer banking apps with BaaS integrations and rich money-movement features.

Investment & Brokerage

Retail investing apps with market data, orders, and portfolio management.

Lending & BNPL

Consumer and SMB lending, BNPL, and credit builder apps.

Payment Apps

Consumer-to-consumer and merchant payment apps with QR and tap-to-pay.

Crypto / Stablecoin Apps

Compliance-first crypto apps with custody and on/off-ramp flows.

Insurance (Insurtech)

Digital insurance experiences (quote, bind, claim) on mobile.

Integrations

Which systems does a fintech app connect to?

We connect to the systems your teams already know.

Banking

Plaid

Payments

Stripe

Card Issuing

MarqetaGalileo

Treasury

Modern Treasury

Identity / KYC

Persona

Analytics

Segment

Support

Intercom

Compliance-First Development Services Backed by Global Standards

We build secure, scalable products designed for privacy, interoperability, and regulatory readiness from day one across every sector we serve.

General Data Protection Regulation

Implement lawful consent flows, data minimization, and secure processing for global data privacy.

Service Organization Control 2

Verified controls for security, availability, and confidentiality of enterprise data systems.

Information Security Management

Adhering to the international gold standard for managing information security risks.

Payment Card Industry (PCI DSS)

Securing payment transactions and protecting cardholder data with industry-best practices.

Our Edge

Why Global Leaders Choose Us

We combine deep technical expertise with industry-specific knowledge to deliver solutions that aren't just functional, but transformational.

Enterprise-Grade Security

We implement rigorous security protocols and compliance standards (HIPAA, GDPR, SOC2) across all industrial solutions to protect sensitive data.

High-Performance Scaling

Our architectures are built to handle massive data loads and user bases, keeping performance steady whether you're serving ten or ten million.

Accelerated Time-to-Market

Using our suite of internal tools and proven frameworks, we cut setup work so your first release reaches users sooner.

Embedded AI Integration

Beyond simple wrappers, we build deep-learning integrations and predictive analytics directly into the core of your industry-specific workflows.

Engagement Model

How does an engagement work?

A scoping call, a fixed-scope first release, then scale and support.

Scoping call

We map your products, partners, compliance requirements and target platforms.

Fixed-scope first release

One workflow, such as onboarding with KYC, working end to end with your partners.

Money movement

Payments, cards or lending added behind the same integration gateway.

Scale and support

More products and partners, with our team supporting the app and its releases.

Facts and sources

Which rules shape a money lending app?

Short facts we design around, each linked to its primary source.

Under Regulation Z, a creditor must make closed-end credit disclosures clearly and conspicuously in writing, in a form the consumer may keep, before consummation; they may be given electronically subject to the E-Sign Act's consumer consent provisions.
Source: 12 CFR 1026.17(a)(1) and (b) (eCFR)
Under Regulation B, a creditor must notify an applicant of action taken within 30 days after receiving a completed application, and an adverse action notice must give the specific reasons or disclose the right to request them.
Source: 12 CFR 1002.9(a) (eCFR)
The E-SIGN Act lets an electronic record meet a legal requirement to give a consumer information in writing only if the consumer affirmatively consents after a clear and conspicuous statement of their rights, including the right to paper copies and to withdraw consent.
Source: 15 U.S.C. 7001(c) (govinfo)
Google Play requires personal loan apps to disclose the minimum and maximum repayment period, the maximum APR and a representative example of the total cost, does not allow personal loans that require repayment in full in 60 days or less, and bars these apps from accessing contacts and photos.
Source: Google Play Console Help, Financial Services policy
Apple's App Review Guideline 3.2.2(ix) requires personal loan apps to disclose all loan terms, including the equivalent maximum APR and payment due date, and bars a maximum APR higher than 36% or repayment in full in 60 days or less.
Source: Apple App Review Guidelines, 3.2.2(ix)

Voice of success

We don't just build products; we forge lasting partnerships. See how we've helped industry leaders transform their vision into technical reality.

“I can clearly see how Agnotic has a unique way of handling end-to-end development. They are always active on quick chat and provide support quickly.”

Aaron Phelan

Founder, Benchmark

“Agnotic combines deep technical expertise with strong domain knowledge. They understand the business context, anticipate challenges, and make collaboration smooth and effective.”

John Pasmore

Founder, Latimer

“Agnotic is the best technical team we evaluated. Their engineering excellence made our work dramatically easier and allowed us to stay focused on what matters most for maternal care outcomes. They took full ownership of the technical execution, and we are always happy to continue working together.”

Kim Smith

Founder, My Lauren

Related services

Where should you start?

Detailed pages for the financial services work fintech teams ask us about.

Financial services software development

All the banking, lending and payments software we build.

Lending analytics

Reporting on applications, approvals and loan performance.

Banking CRM

Customer records and service workflows for banks and credit unions.

The Same Engineering Patterns, Across Other Industries

The technical patterns behind this platform translate naturally into adjacent verticals.

AI

Apply private LLM and predictive modeling to risk, compliance, and customer ops.

Energy

Trade environmental attributes and energy alongside traditional financial products.

Legal-tech

Pair contract intelligence with structured agreement management.

Frequently Asked Questions

Both. For most fintech apps React Native with a thin native-core layer delivers the best economics. Where the performance or hardware-access envelope requires it, we build fully native in Swift and Kotlin.