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Our Strategic Fintech Development Process

We follow finance-industry methodologies ensuring security, compliance, and reliability at every development stage for mission-critical financial software.

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Step: 01

Financial Requirements & Compliance

We analyze financial workflows, regulatory requirements, and security needs. Our fintech specialists ensure PCI-DSS compliance, data encryption standards, and industry regulations are foundational to planning.

Step: 02

Secure Development & Testing

Our developers build fintech software using bank-grade encryption, secure APIs, fraud detection, and multi-factor authentication. Rigorous security testing and compliance validation ensure reliability.

Step: 03

Deployment & Security Monitoring

We deploy fintech solutions with comprehensive security protocols, compliance documentation, and real-time monitoring. Ongoing support includes security updates and regulatory compliance management.

Specialized Fintech Solutions

To Revolutionize
Financial Services.

We develop secure fintech software that enables financial innovation, improves user experiences, and ensures regulatory compliance across financial sectors.

01.

Payment Processing Platforms

  • PCI-Compliant
  • Fast
  • Secure
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Build robust payment processing solutions with secure transaction handling, multiple payment methods, fraud detection, and PCI-DSS compliance. Support credit cards, ACH, digital wallets, and alternative payment methods.

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02.

Digital Banking Applications

  • Mobile-First
  • Secure
  • User-Friendly
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Develop comprehensive digital banking platforms with account management, fund transfers, bill payments, mobile check deposits, and real-time notifications. Modern banking experiences that customers demand.

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03.

Investment & Trading Platforms

  • Real-Time
  • Analytical
  • Secure
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Create sophisticated investment platforms with real-time market data, trading execution, portfolio management, risk analytics, and reporting. Support stocks, bonds, crypto, and alternative investments.

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04.

Lending & Loan Management Software

  • Automated
  • Compliant
  • Efficient
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Build digital lending platforms with automated loan origination, credit decisioning, document management, payment processing, and compliance reporting. Streamline lending operations from application to servicing.

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05.

Personal Finance Management Apps

  • User-Centric
  • Insightful
  • Engaging
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Develop personal finance apps with budgeting tools, expense tracking, financial goal setting, investment tracking, and spending insights. Help users manage money better with intuitive interfaces.

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06.

Blockchain & Cryptocurrency Solutions

  • Decentralized
  • Innovative
  • Secure
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Create blockchain-based fintech solutions including crypto wallets, DeFi platforms, NFT marketplaces, smart contracts, and tokenization systems. Leverage distributed ledger technology for financial innovation.

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07.

RegTech & Compliance Software

  • Compliant
  • Automated
  • Risk-Focused
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Build regulatory technology solutions for KYC/AML compliance, transaction monitoring, risk assessment, fraud detection, and regulatory reporting. Automate compliance and reduce regulatory risks.

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08.

Insurance Technology (InsurTech)

  • Digital
  • Efficient
  • Customer-Focused
Explore More

Develop insurance software including policy management, claims processing, underwriting automation, customer portals, and agency management. Modernize insurance operations with digital solutions.

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Where Specialty Meets Quality.

I'm a professional dedicated to building secure, compliant fintech software that drives financial innovation and delivers exceptional user experiences.

Bank-Grade Security

  • Enterprise-level security with end-to-end encryption, tokenization, secure key management, fraud detection, and multi-layered protection for sensitive financial data.

Regulatory Compliance

  • Built-in compliance with PCI-DSS, SOC 2, GDPR, KYC/AML regulations, and financial industry standards ensuring your fintech solution meets regulatory requirements.

High-Performance Architecture

  • Scalable infrastructure handling high transaction volumes with low latency, real-time processing, and 99.99% uptime for mission-critical financial operations.

Financial API Integration

  • Seamless integration with banking APIs, payment gateways, market data providers, credit bureaus, and financial services using secure, standardized protocols.

Cutting-Edge Technology

  • Leverage AI for fraud detection, machine learning for credit scoring, blockchain for transparency, and cloud infrastructure for scalability and reliability.

Fintech Domain Expertise

  • Our team includes financial services experts understanding banking operations, payment systems, regulatory requirements, and industry-specific challenges.

Our Solution
Proccess

86 Agency combines fintech expertise with technical excellence, delivering secure financial software that enables innovation while ensuring compliance and security.

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Step

01/5

1. Financial Requirements Analysis

We assess financial workflows, regulatory requirements, security needs, and integration points to design compliant fintech solutions aligned with industry standards.

2. Security-First Architecture

Our architects design secure systems with encryption, tokenization, fraud detection, access controls, and audit logging built into foundational infrastructure.

3. Agile Fintech Development

We build financial software iteratively with regular security testing, compliance reviews, and performance optimization ensuring quality and reliability.

4. Comprehensive Security Testing

Rigorous testing includes penetration testing, compliance audits, load testing, fraud scenario validation, and third-party security assessments.

5. Secure Deployment & Monitoring

We deploy fintech solutions with security protocols, compliance documentation, real-time monitoring, and ongoing security management ensuring sustained protection.

Financial Sectors We Serve

Digital Banking

Payment Processing

Investment Services

Lending Platforms

Insurance

Wealth Management

Cryptocurrency

Corporate Finance

Trading Platforms

RegTech

Tailored Fintech Software Development Solutions

At 86 Agency, we create fintech software combining financial expertise, security best practices, and user-centric design. Our solutions drive innovation while protecting financial data.

01

Financial Services Expertise

Our team includes fintech specialists with deep knowledge of banking operations, payment systems, regulatory requirements, and financial industry best practices.

02

Security-First Approach

Every fintech solution includes multiple security layers—encryption, tokenization, fraud detection, secure authentication, and continuous security monitoring protecting financial transactions.

03

Compliance by Design

Regulatory compliance built into architecture from day one. PCI-DSS, SOC 2, KYC/AML, and industry-specific regulations addressed throughout development lifecycle.

Your Gateway To Financial Innovation

We create powerful fintech solutions that transform financial services. Whether launching payment platforms or digital banking apps, we deliver secure, compliant innovation.

Payment Solutions

Secure payment processing platforms with multiple payment methods, fraud detection, PCI compliance, and seamless checkout experiences for modern commerce.

Digital Banking

Comprehensive digital banking applications with account management, transfers, bill pay, mobile deposits, and real-time notifications for superior banking experiences.

Investment Platforms

Sophisticated trading and investment solutions with real-time data, portfolio management, analytics, and automated trading capabilities for modern investors.

Blockchain Solutions

Innovative blockchain-based fintech including crypto wallets, DeFi platforms, smart contracts, and tokenization leveraging distributed ledger technology.

Fintech Development Workflow

Fintech Development Workflow

86 Agency follows finance-industry methodologies ensuring security, compliance, and reliability from discovery through ongoing monitoring for mission-critical financial software.

Financial Discovery

We analyze financial workflows, regulatory requirements, security needs, and integration points to design fintech solutions aligned with industry standards and compliance mandates.

Security Architecture

Our architects design bank-grade security with encryption, tokenization, fraud detection, access controls, and audit logging protecting sensitive financial data throughout the system.

Secure Development

We build fintech software using secure coding practices, regular security reviews, compliance validation, and rigorous testing ensuring reliability for financial operations.

Monitoring & Compliance

We deploy with real-time security monitoring, fraud detection, compliance tracking, and ongoing security management ensuring sustained protection and regulatory adherence.

Why Choose 86 Agency For Your Fintech Software Development

At 86, we don’t just build software—we create secure fintech solutions that enable financial innovation. Whether developing payment platforms or investment apps, we are your trusted fintech partner.

Fintech Specialists

Our team includes financial services experts with deep knowledge of banking, payments, investments, regulations, and fintech industry best practices and emerging trends.

Enterprise Security Standards

Bank-grade security with encryption, tokenization, fraud detection, penetration testing, and continuous monitoring protecting financial transactions and sensitive data comprehensively.

Regulatory Compliance Expertise

Built-in compliance with PCI-DSS, SOC 2, GDPR, KYC/AML, and financial regulations. Comprehensive audit trails, compliance documentation, and regulatory reporting capabilities.

High-Performance Infrastructure

Scalable architecture handling millions of transactions with low latency, real-time processing, and 99.99% uptime ensuring reliability for mission-critical financial operations.

Financial API Integration

Seamless integration with Plaid, Stripe, banking APIs, payment gateways, market data providers, and financial services using secure, industry-standard protocols.

Proven Fintech Track Record

Successfully delivered 150+ fintech projects including payment platforms, digital banking apps, investment solutions, and lending platforms across financial sectors globally.

FAQs

A: We implement comprehensive security standards exceeding industry requirements including PCI-DSS for payment processing, SOC 2 Type II for security controls, end-to-end AES-256 encryption for data at rest and in transit, TLS 1.3 for secure communications, tokenization for sensitive data protection, multi-factor authentication, role-based access controls, comprehensive audit logging, regular penetration testing, vulnerability assessments, and fraud detection systems. Our fintech solutions undergo third-party security audits and continuous monitoring ensuring bank-grade security protecting financial transactions and customer data against evolving threats.

A: Fintech development costs vary based on complexity, features, integrations, and compliance requirements. Basic payment integration solutions start around $50,000-100,000, digital banking apps range $200,000-500,000, comprehensive investment platforms cost $300,000-800,000, and enterprise fintech solutions can exceed $1,000,000+. Most fintech applications fall in the $150,000-400,000 range. Fintech development costs more than general software due to stringent security requirements, regulatory compliance, financial API integrations, and rigorous testing. However, these solutions deliver significant ROI through transaction revenue, improved efficiency, and competitive differentiation. We provide detailed estimates after analyzing your specific requirements.

A: We ensure compliance with multiple financial regulations and standards including PCI-DSS (Payment Card Industry Data Security Standard) for payment processing, SOC 2 Type II for security and availability controls, GDPR for data privacy, KYC (Know Your Customer) requirements, AML (Anti-Money Laundering) regulations, GLBA (Gramm-Leach-Bliley Act) for financial privacy, state money transmitter licenses where applicable, banking regulations (depending on jurisdiction), securities regulations for investment platforms, and insurance regulations for InsurTech solutions. Our compliance approach includes requirements analysis, security architecture design, audit trail implementation, compliance documentation, regular assessments, and ongoing monitoring ensuring your fintech solution meets all regulatory obligations.

A: Fintech development timelines depend on solution complexity, features, integrations, and compliance requirements. Simple payment integrations take 3-4 months, mobile banking apps require 6-9 months, investment platforms need 9-12 months, and comprehensive enterprise fintech solutions take 12-18+ months. Fintech projects take longer than general software due to security requirements, regulatory compliance, financial API integrations, rigorous testing, and third-party audits. We use agile methodology delivering functionality in phases so you see progress throughout development. During discovery, we provide realistic timelines and can discuss MVP approaches to launch core functionality faster while building additional features iteratively.

A: Yes, we have extensive experience integrating fintech solutions with major financial APIs and services including Plaid for bank account connectivity, Stripe for payment processing, PayPal and Square for merchant services, Dwolla for ACH transfers, Marqeta for card issuing, banking APIs (Wells Fargo, Chase, Bank of America), credit bureaus (Experian, Equifax, TransUnion), market data providers (Bloomberg, Reuters), cryptocurrency exchanges (Coinbase, Kraken), and many others. We implement secure API integrations following financial industry standards, handle authentication and encryption properly, implement webhook handling for real-time updates, and ensure compliance with each provider's requirements and security protocols.

A: We implement multi-layered fraud detection and prevention strategies including real-time transaction monitoring analyzing patterns and anomalies, machine learning models detecting suspicious behavior, velocity checks limiting transaction frequency and amounts, geolocation verification comparing transaction and user locations, device fingerprinting identifying suspicious devices, IP address analysis detecting proxy/VPN usage, behavior analytics identifying unusual user patterns, rule-based systems for known fraud scenarios, 3D Secure authentication for card transactions, two-factor and biometric authentication, transaction risk scoring, automated blocking and manual review workflows, and comprehensive fraud reporting. Our fraud prevention systems adapt to emerging threats using AI/ML while minimizing false positives that impact legitimate users.

A: We use modern, proven technologies optimized for financial applications including backend frameworks like Node.js, Python (Django/Flask), Java (Spring Boot), and .NET Core for robust server-side logic; frontend technologies including React, Angular, and Vue.js for responsive interfaces; mobile development with React Native, Flutter, Swift, and Kotlin; databases including PostgreSQL for transactional data, MongoDB for flexible schemas, and Redis for caching; cloud platforms AWS, Azure, and Google Cloud for scalable infrastructure; blockchain technologies including Ethereum, Hyperledger, and custom blockchain solutions; payment APIs (Stripe, Plaid, Dwolla); security tools for encryption and tokenization; and DevOps tools (Docker, Kubernetes, Jenkins) for automated deployment. Technology selection depends on your specific requirements, scalability needs, and integration points.

A: Yes, we provide comprehensive ongoing support critical for fintech applications including 24/7 monitoring and incident response, security updates and patches applied immediately, regulatory compliance updates as requirements evolve, performance optimization and scaling, fraud monitoring and rule updates, API integration maintenance as providers update services, feature enhancements and new functionality, technical support for issues, database optimization and management, backup and disaster recovery management, security audits and penetration testing, compliance assessments, and detailed reporting on system health and security. Fintech applications require continuous maintenance to remain secure, compliant, and performant. We offer flexible support packages from basic maintenance to full-service managed support ensuring your fintech solution operates reliably and securely. software integration

Let’s TALK

Ready to build secure fintech software that drives financial innovation? At 86 Agency, we deliver fintech solutions combining financial expertise, bank-grade security, and regulatory compliance. Let's talk about your fintech vision—book a free consultation today and discover how our fintech development services can help you transform financial services, improve user experiences, and ensure security and compliance.

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