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Fintech Software Development Solutions

Custom Financial Technology Software for Banks, Payment Providers, and Financial Services Companies

Sigi Technologies develops secure, compliant fintech software that modernizes financial services, streamlines transactions, and enhances customer experiences. Our solutions support digital banking, payment processing, wealth management, and financial technology platforms for traditional institutions and fintech startups.

50+

Fintech Solutions Delivered

$100M+

Monthly Transactions Processed

99.99%

Uptime

35+

Jurisdictions Supported

Business Models We Support

We develop software for various fintech business models:

Digital Banking & Neobanks

Mobile-first banking platforms for challenger banks and digital-only financial institutions offering accounts, payments, and financial services without physical branches.

Payment Processing & Gateways

Payment infrastructure for merchants, processors, and payment service providers handling online transactions, point-of-sale, and payment orchestration.

Wealth Management & Investment

Digital investment platforms for robo-advisors, trading platforms, and wealth management services with portfolio management and algorithmic trading.

Lending & Credit Services

Digital lending platforms for personal loans, business financing, peer-to-peer lending, and buy-now-pay-later services with automated underwriting and risk assessment.

InsurTech Solutions

Insurance technology platforms for policy management, claims processing, risk assessment, and digital insurance distribution.

Blockchain & Cryptocurrency

Cryptocurrency exchanges, wallet applications, blockchain-based payment systems, and decentralized finance (DeFi) platforms.

Fintech Software Development Services

Our solutions address the complete financial technology ecosystem from consumer banking to enterprise payment infrastructure and regulatory compliance.

1

Digital Banking Platform Development

We build comprehensive digital banking platforms delivering mobile and web banking experiences for traditional banks and neobanks.

What we deliver:

  • Account management with checking, savings, and multi-currency accounts
  • Money transfers including P2P, domestic, and international wire transfers
  • Bill payment with billers directory, recurring payments, and payment scheduling
  • Card management with virtual cards, freeze/unfreeze, spending limits, and controls
  • Transaction history with search, filtering, categorization, and export capabilities
  • Biometric authentication with fingerprint, face recognition, and PIN security
  • Push notifications for transactions, account alerts, and security notifications
  • Customer onboarding with identity verification, KYC, and account activation
  • Chatbot and support with AI-powered assistance and in-app support

Best for:

Traditional banks, neobanks, digital-only banks, and financial institutions modernizing banking services.

2

Payment Gateway & Processing Platform Development

We create payment infrastructure enabling merchants and businesses to accept online payments securely with comprehensive transaction processing.

What we deliver:

  • Multi-payment method support including credit/debit cards, digital wallets, and bank transfers
  • Payment orchestration routing transactions to optimal processors based on rules and performance
  • Merchant dashboard with transaction monitoring, settlements, and reporting
  • Payment APIs with RESTful APIs for seamless integration with e-commerce and applications
  • 3D Secure authentication with Strong Customer Authentication (SCA) for fraud prevention
  • Tokenization for secure card storage and recurring payments
  • Multi-currency processing with dynamic currency conversion and local payment methods
  • Chargeback management with dispute handling and evidence submission
  • Payout processing with batch payouts, split payments, and marketplace disbursements

Best for:

Payment service providers, payment gateways, fintech startups, and businesses building payment infrastructure.

3

Digital Wallet & Mobile Payment Solutions

We develop digital wallet applications for storing payment methods, making transactions, and managing loyalty programs with mobile-first experiences.

What we deliver:

  • Mobile wallet apps for iOS and Android with secure payment storage
  • P2P money transfer with contact selection, instant transfers, and request money features
  • QR code payments for contactless payments at merchants and peer transfers
  • NFC tap-to-pay for in-store contactless payments using mobile devices
  • Bill splitting with group payments and expense sharing among contacts
  • Loyalty and rewards with cashback, points accumulation, and reward redemption
  • Transaction history with spending analytics, categorization, and budgeting
  • Card linking with bank card integration and account aggregation
  • KYC/AML compliance with identity verification and transaction limits

Best for:

Digital wallet providers, payment apps, and financial institutions launching mobile payment solutions.

4

Stock Trading & Investment Platform Development

We build trading platforms enabling retail and institutional investors to trade stocks, ETFs, options, and other securities with real-time market data.

What we deliver:

  • Trading interface with order placement, market/limit orders, and order book visualization
  • Real-time market data with live quotes, charts, and technical indicators
  • Watchlists with customizable stock lists and price alerts
  • Portfolio management with holdings overview, performance tracking, and P&L calculations
  • Research and analytics with company fundamentals, news feeds, and analyst ratings
  • Order execution with fast order routing and execution confirmations
  • Account management with funding, withdrawals, and margin management
  • Trading alerts for price movements, order fills, and account notifications
  • Regulatory compliance with pattern day trading rules and trade reporting

Best for:

Online brokerages, trading platforms, and investment service providers.

5

Robo-Advisory & Wealth Management Platforms

We create automated investment platforms providing algorithm-driven portfolio management with minimal human intervention.

What we deliver:

  • Risk assessment with questionnaire-based risk profiling and goal setting
  • Portfolio construction with diversified portfolios based on modern portfolio theory
  • Automated rebalancing maintaining target allocations based on market movements
  • Tax-loss harvesting with automated tax optimization strategies
  • Fractional shares enabling investments with any amount regardless of share price
  • Goal-based investing with retirement, education, and custom financial goals
  • Performance reporting with returns, benchmarking, and portfolio analytics
  • Client portal with investment overview, contributions, and withdrawals
  • Advisor dashboard for managing multiple client portfolios and oversight

Best for:

Robo-advisors, wealth management firms, and financial advisors offering automated investment services.

6

Lending & Credit Platform Development

We build digital lending platforms for personal loans, business financing, and alternative credit with automated underwriting and risk assessment.

What we deliver:

  • Loan application with online forms, document upload, and digital signatures
  • Credit assessment with credit bureau integration and alternative data scoring
  • Automated underwriting with rule-based and ML-powered decision engines
  • Loan origination with approval workflows, document generation, and fund disbursement
  • Repayment management with scheduled payments, autopay, and payment reminders
  • Collections with delinquency management and recovery workflows
  • Borrower portal with account management, payment history, and document access
  • Lender dashboard for portfolio management, risk monitoring, and reporting
  • Regulatory compliance with lending regulations and fair lending requirements

Best for:

Digital lenders, P2P lending platforms, BNPL providers, and alternative finance companies.

7

Personal Finance Management (PFM) Applications

We develop personal finance apps helping users track spending, create budgets, and achieve financial goals with automated insights.

What we deliver:

  • Account aggregation connecting bank accounts, credit cards, and investment accounts
  • Transaction categorization with automatic categorization and manual adjustments
  • Budgeting tools with spending limits, alerts, and budget tracking
  • Bill tracking with due date reminders and recurring payment identification
  • Savings goals with automated transfers and progress tracking toward objectives
  • Credit score monitoring with credit report access and score improvement tips
  • Financial insights with spending analysis, trends, and personalized recommendations
  • Net worth tracking with asset and liability aggregation
  • Data security with bank-level encryption and read-only account access

Best for:

Personal finance apps, financial wellness platforms, and banks offering PFM features.

8

Insurance Technology (InsurTech) Platforms

We create insurance software modernizing policy management, claims processing, underwriting, and customer engagement.

What we deliver:

  • Quote and comparison with multi-carrier quotes and coverage comparison
  • Policy management with application processing, underwriting, and policy issuance
  • Claims processing with first notice of loss, adjuster assignment, and settlement
  • Customer portal with policy details, documents, and self-service capabilities
  • Agent portal for policy management, commission tracking, and customer management
  • Risk assessment with underwriting automation and data-driven rating
  • Payment processing with premium collection and installment plans
  • Document management with policy documents, endorsements, and correspondence
  • Regulatory compliance with insurance regulations and reporting requirements

Best for:

Insurance companies, insurance agencies, and insurtech startups.

9

Cryptocurrency Exchange & Wallet Development

We build cryptocurrency platforms for trading digital assets, storing cryptocurrencies, and managing blockchain-based transactions.

What we deliver:

  • Crypto exchange with order books, trading pairs, and market/limit orders
  • Wallet management with hot and cold wallet solutions for asset security
  • Multi-currency support for Bitcoin, Ethereum, and altcoins
  • Trading features including spot trading, margin trading, and derivatives
  • Security measures with two-factor authentication, withdrawal whitelisting, and cold storage
  • KYC/AML compliance with identity verification and transaction monitoring
  • Price charts with real-time data, technical indicators, and trading views
  • Liquidity integration connecting to liquidity providers and market makers
  • Staking and rewards with proof-of-stake rewards and yield generation

Best for:

Cryptocurrency exchanges, wallet providers, and blockchain-based financial services.

10

Accounting & Financial Management Software

We develop accounting platforms automating bookkeeping, invoicing, expense management, and financial reporting for businesses.

What we deliver:

  • Double-entry bookkeeping with general ledger and chart of accounts
  • Invoicing and billing with invoice creation, recurring invoices, and payment tracking
  • Expense management with receipt capture, categorization, and approval workflows
  • Bank reconciliation with automated matching and discrepancy resolution
  • Financial reporting with balance sheets, income statements, and cash flow statements
  • Tax compliance with sales tax calculation, filing, and regulatory reporting
  • Multi-entity support for businesses managing multiple legal entities
  • Integration capabilities with banks, payment processors, and business applications
  • Audit trails with complete transaction history and user activity tracking

Best for:

Accounting software companies, financial management platforms, and business finance solutions.

Success Metrics from Our Fintech Projects

Transaction Processing

Platforms process 10M+ transactions monthly with 99.99% success rates and sub-second authorization times for real-time payment processing.

System Reliability

99.99% uptime across production environments with zero financial data loss, automated backups, and disaster recovery capabilities.

Security Compliance

100% PCI-DSS compliance across payment platforms with successful completion of security audits, penetration testing, and regulatory examinations.

Development Speed

Average fintech MVP launch time of 5-7 months from requirements to production including full regulatory compliance documentation and security implementation.

User Adoption

Digital banking apps achieve 70-80% monthly active user rates with 4.5+ star ratings and high engagement across financial service features.

Technology Stack for Fintech Solutions

Frontend

  • React
  • Next.js
  • Angular for web banking and trading platforms

Mobile

  • Native iOS (Swift)
  • Android (Kotlin)
  • React Native

Backend

  • Node.js
  • Python
  • Java
  • .NET for secure financial services

Databases

  • PostgreSQL
  • MySQL
  • MongoDB with encryption

Blockchain

  • Ethereum
  • Hyperledger
  • Solana for crypto solutions

Payment APIs

  • Stripe
  • PayPal
  • Plaid
  • Dwolla
  • Adyen

Banking APIs

  • Plaid
  • Yodlee
  • TrueLayer for account aggregation

Market Data

  • Bloomberg
  • Reuters
  • Alpha Vantage for trading platforms

Cloud

  • AWS (Financial Services)
  • Google Cloud
  • Azure with compliance

Security

  • OAuth 2.0
  • JWT
  • AES-256 encryption
  • HSM integration

Compliance

  • KYC/AML tools (Onfido, Jumio)
  • Fraud detection (Sift, Kount)

Key Features We Build

Banking:

Account managementFund transfersBill paymentsCard controlsTransaction historyStatementsBudgetingSavings goals

Payments:

Payment processingDigital walletsP2P transfersQR paymentsNFCRecurring paymentsSplit paymentsRefunds

Trading & Investment:

Stock tradingPortfolio managementMarket dataChartsWatchlistsOrder executionRisk assessmentRobo-advisory

Lending:

Loan applicationsCredit assessmentUnderwritingLoan servicingPayment collectionCollectionsCredit reporting

Advanced Capabilities:

AI fraud detectionBiometric authenticationOpen bankingReal-time paymentsBlockchain integrationRegulatory reportingCredit scoringRobo-advisory algorithms

Security & Compliance

Financial Regulations

PCI-DSS Level 1 compliance for payment card data security

SOC 2 Type II compliance for service organization controls

GDPR compliance for European customer data protection

KYC/AML compliance with customer verification and transaction monitoring

Open Banking compliance with PSD2, UK Open Banking standards

Data Security

End-to-end encryption for data in transit and at rest

Hardware Security Modules (HSM) for cryptographic key management

Multi-factor authentication with biometric and token-based options

Fraud detection with real-time transaction monitoring and ML models

Penetration testing and security audits by third-party firms

Banking Standards

ISO 20022 for financial messaging and payment standards

SWIFT integration for international payment processing

ACH and wire transfer compliance with banking networks

Real-time payment schemes (FedNow, RTP, SEPA Instant)

Financial data APIs with secure authentication and authorization

Industries & Specialties We Serve

Banking:

  • Traditional banks
  • Neobanks
  • Credit unions
  • Digital banks
  • Banking-as-a-Service

Payments:

  • Payment processors
  • Payment gateways
  • Merchant services
  • Remittance
  • Cross-border payments

Investment:

  • Brokerages
  • Asset managers
  • Robo-advisors
  • Wealth management
  • Investment platforms

Lending:

  • Digital lenders
  • P2P lending
  • BNPL providers
  • Mortgage lending
  • Business financing

Insurance:

  • Property & casualty
  • Life insurance
  • Health insurance
  • Insurance aggregators
  • InsurTech

Cryptocurrency:

  • Crypto exchanges
  • Wallet providers
  • Blockchain platforms
  • DeFi protocols
  • NFT marketplaces

Frequently Asked Questions

Common questions about our fintech software solutions

How long does it take to develop fintech software?

Development timelines vary based on complexity and regulatory requirements. A basic payment app typically takes 5-7 months. Comprehensive banking platforms can take 10-15 months. We provide detailed timelines after requirements analysis.

What's the typical cost for fintech software development?

Development costs depend on features, compliance requirements, and security needs. Factors include payment processing, regulatory compliance, security implementation, and third-party integrations. We provide detailed cost estimates after understanding your specific requirements.

How do you ensure regulatory compliance?

We implement compliance from the foundation including KYC/AML procedures, transaction monitoring, regulatory reporting, and audit trails. Our team works with your compliance officers to meet jurisdiction-specific requirements.

Can you integrate with banking and payment APIs?

Yes. We integrate with banking APIs (Plaid, Yodlee), payment processors (Stripe, Adyen), and financial networks (SWIFT, ACH). We handle secure authentication, data mapping, and real-time synchronization.

How do you handle financial data security?

We implement bank-level security with end-to-end encryption, HSM integration, secure key management, and PCI-DSS compliance. Systems undergo regular security audits and penetration testing.

Do you support cryptocurrency and blockchain?

Yes. We develop cryptocurrency exchanges, wallet applications, and blockchain-based financial services. We work with major blockchains including Ethereum, Bitcoin, and enterprise blockchain platforms.

What about fraud prevention and detection?

We implement multi-layered fraud prevention with real-time transaction monitoring, ML-based anomaly detection, device fingerprinting, and behavioral analytics. Systems include configurable risk rules and automated blocking.

Can the platform handle high transaction volumes?

Our platforms use distributed architecture, load balancing, and database sharding to process thousands of transactions per second. Infrastructure scales automatically based on transaction volume.

Do you provide ongoing maintenance and support?

Yes. We offer post-launch support including security updates, compliance updates, payment gateway maintenance, and new feature development. Support includes 24/7 monitoring for critical financial systems.

Who owns the financial platform and customer data?

You retain full ownership of all custom code, customer data, and intellectual property. All development, compliance documentation, and assets are transferred to your organization.

Ready to Get Started?

Whether you're launching a new product or modernizing existing systems, we're here to help.

Your Vision, Our Expertise

Tell us about your needs, and we’ll build the right solution for you.

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