Fintech App Development Services
Banking, wallet, lending, and payment apps built to scale
India processes 40% of the world's digital payment transactions. UPI, wallet, lending, insurance, wealth-tech — every fintech vertical is booming. But fintech isn't just tech — it's regulation-heavy, security-critical, and requires deep expertise in RBI compliance, PCI-DSS certification, and financial ledger accuracy. AdelSocial builds fintech products for NBFCs, wallet startups, lending platforms, and enterprise banking systems.
Problems we solve
The operational friction killing growth right now. Each one eliminated by what we build.
Regulatory maze
RBI, SEBI, IRDAI, PMLA, GST — one non-compliance and your platform is shut down.
Security = existential risk
One breach and your company is done. Fintech requires PCI-DSS, SOC 2, and continuous audit.
Financial accuracy
Every rupee must reconcile. Ledger errors compound. Fraud must be detected in milliseconds.
Integration complexity
Banking APIs, credit bureaus, KYC providers, payment gateways — dozens of critical integrations.
Everything we ship
Standard in every engagement. Add more, remove some — each build adapts to your scope.
Digital Wallet
Balance, top-ups, P2P transfers, bill payments, and card management.
UPI Integration
UPI ID creation, QR payments, collect requests, and bank account linking.
Lending & Credit
Loan application, credit scoring, disbursement, EMI collection, and default management.
eKYC & Onboarding
Aadhaar OTP, DigiLocker, PAN verification, video KYC, and CKYC integration.
Financial Dashboard
Transaction history, spending analytics, budgets, and financial goal tracking.
Investments & Wealth
Mutual funds, stocks, FDs, gold — with SEBI-compliant workflows.
Fraud Detection
Real-time transaction monitoring, ML-based anomaly detection, and dispute management.
Card Management
Virtual & physical cards, freeze/unfreeze, transaction alerts, and spend controls.
Bill Payments
Electricity, gas, mobile, DTH, and 100+ billers via BBPS integration.
Rewards & Cashback
Points, cashback, referral bonuses, and gamified savings programs.
Built with modern, battle-tested tech
We pick the stack based on your scale, team and 5-year maintainability — not what's trendy.
- Flutter
- React Native
- Native (mandatory for banking)
- Java Spring Boot
- Node.js
- Python
- PostgreSQL
- PCI-DSS
- Tokenization
- HSM
- OAuth 2.0
- NPCI UPI
- CIBIL
- BBPS
- KYC Providers
- AWS (Mumbai region)
- Data residency
- Kubernetes
How we ship
Transparent, milestone-based process with weekly demos. No black box, ever.
Regulatory Discovery
RBI license mapping, compliance requirements, security architecture.
UI/UX Design
Trust-building interfaces, KYC flows, transaction confirmations.
Backend & Ledger
Double-entry ledger, transaction engine, reconciliation systems.
Mobile Development
Native apps with biometric auth, secure storage, transaction workflows.
Security Audit
Penetration testing, code review, PCI-DSS certification prep.
Launch & Compliance
RBI reporting setup, monitoring dashboards, incident response.
Transparent pricing
Starting points based on business stage. Every tier is customizable — the final number depends on scope.
Basic wallet with UPI
- Wallet, UPI, bill pay
- eKYC integration
- Basic admin panel
- 6 months support
NBFCs, lending platforms
- Everything in Starter
- Lending workflows
- Credit scoring
- CIBIL integration
- 12 months support
Banks, large NBFCs
- Full banking platform
- Core banking integration
- Enterprise security
- Dedicated team + SLA
Frequently asked questions
Yes. We've built products for NBFCs, PPI license holders, and payment aggregators. We understand RBI's guidelines for wallets, lending, and payment systems.
Basic wallet with UPI: ₹5-7 lakh. Wallet with lending features: ₹12-15 lakh. Full-fledged fintech platforms: ₹25-40 lakh.
We build with PCI-DSS Level 1 compliance principles. Full certification is a joint process with your bank/PSP — we prepare the codebase and documentation.
Full eKYC stack: Aadhaar OTP, DigiLocker, PAN card OCR, video KYC (V-CIP), and CKYC upload. We integrate with providers like HyperVerge, IDfy, and Digio.
Yes. We integrate with CIBIL, Experian, Equifax, and CRIF Highmark for credit scoring, credit reports, and risk assessment.
We work with NPCI-authorized banking partners (SBI, ICICI, YES Bank) to integrate UPI. UPI apps need bank sponsorship — we help you set that up.
Ready to ship?
Book a 30-minute consultation. We'll scope your project, estimate accurately, and share recommendations — no sales pressure, no obligations.