Fintech App Development Services by AdelSocial Technologies — Banking, wallet, lending, and payment apps built to scale. Investment ₹5,00,000 - ₹40,00,000, typical timeline 16-24 weeks. Delhi-based, delivered across India, UAE, UK and USA.
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 headaches quietly capping your growth — each one designed out of the product 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.
Features that ship in every build
Every capability below comes standard. Add more, trim others — each build is scoped to your business.
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 technology for your scale, budget, and long-term maintainability — not for what's trending.
- 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 build & ship
From kickoff to launch — a transparent, milestone-based process with weekly progress updates.
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 tiers
Start from the tier that fits your stage. Every plan is customizable — talk to us for exact scope.
- Wallet, UPI, bill pay
- eKYC integration
- Basic admin panel
- 6 months support
- Everything in Starter
- Lending workflows
- Credit scoring
- CIBIL integration
- 12 months support
- 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.
Other industries we build for
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