Custom Fintech Software Development — PCI DSS Compliant, Secure & Scalable
We design and build digital banking platforms, payment gateways, neobank solutions, investment apps, lending systems, InsurTech, and blockchain products for fintech startups, banks, and financial institutions across the US, UK, Australia, and Canada.
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Fintech Software Solutions We Deliver
From core digital banking and payment infrastructure to AI-powered lending, blockchain, and RegTech compliance platforms — we cover the full spectrum of financial technology with deep PCI DSS and regulatory expertise.
Digital Banking Platforms
Full-featured core banking systems with current accounts, savings products, debit/credit card issuance, multi-currency support, and real-time transaction processing built for scale.
Payment Gateway Development
Secure, PCI DSS-compliant payment gateways with multi-acquirer routing, 3D Secure 2.0, tokenisation, split payments, and reconciliation dashboards for high-volume transactions.
Neobank & Challenger Bank Solutions
End-to-end neobank platforms — account opening, KYC verification, virtual/physical cards, P2P transfers, savings pots, spending analytics, and Open Banking integrations.
Investment & Trading Platforms
Stock, ETF, crypto, and robo-advisor platforms with real-time market data, portfolio analytics, fractional investing, order management systems, and regulatory reporting.
Personal Finance Management Apps
Smart money management apps with account aggregation, expense categorisation, budget tracking, savings goals, bill prediction, and AI-powered financial insights.
Lending & Loan Management Systems
Automated lending platforms covering credit scoring, loan origination, underwriting, disbursement, repayment scheduling, collections, and regulatory reporting for banks and NBFCs.
Technology Built for Financial-Grade Performance
Every tool in our stack is selected for security, regulatory compliance, and the sub-millisecond reliability that financial systems demand — from payment processing to real-time fraud detection.
Engagement Models for Fintech Development
Whether you need a fixed-price MVP, a long-term dedicated engineering team, or flexible time-and-material development, we adapt our delivery model to your stage, budget, and regulatory timeline.
- Payment gateway integration
- KYC/AML compliance module
- Specific Open Banking connector
- Feature additions to an existing fintech platform
Best for projects 6–20 weeks
- Fintech startups scaling a platform
- Long-term product development
- Replacing or extending an in-house team
- Complex, evolving financial products
Ongoing — scale up or down each quarter
- Proof-of-concept & R&D builds
- Complex banking API integrations
- Blockchain / DeFi exploration
- Products with rapidly changing regulatory scope
Start in 1 week — no lengthy onboarding
Our Fintech Development Process
A structured six-stage process designed for compliance-first financial software — from regulatory scoping to production monitoring.
We map your business model, target jurisdiction, and regulatory obligations — PCI DSS, FCA, ASIC, FinCEN, or GDPR — and define a compliant architecture from day one.
Our security architects design a PCI DSS / SOC 2-ready infrastructure with network segmentation, encryption strategy, secrets management, and access control frameworks.
We design frictionless onboarding flows, KYC journeys, trading dashboards, and payment interfaces that balance regulatory requirements with exceptional user experience.
Two-week sprints with fortnightly demos. We integrate payment processors, banking APIs, identity providers, market data feeds, and fraud engines in parallel with feature development.
Independent penetration testing, OWASP ASVS verification, PCI DSS gap assessment, AML/KYC workflow audit, and load testing under simulated production traffic.
Zero-downtime deployment with real-time fraud monitoring, transaction anomaly alerts, PCI DSS re-assessment support, and tiered SLA-backed engineering support post-launch.
What Our Fintech Clients Say
Trusted by digital banks, payment platforms, and lending companies across the US, UK, and Australia.
1Solutions built our neobank platform from scratch — account opening, card issuance, P2P transfers, and Open Banking integrations. They understood PSD2 inside out. We launched in 19 weeks and passed our FCA technical audit on the first submission.
We needed a PCI DSS-compliant payment gateway with split payment and multi-acquirer routing for our marketplace. The 1Solutions team delivered on time and on budget. Their security architecture review alone saved us months of compliance remediation.
Our lending platform required deep integration with credit bureaus and a custom scoring model. 1Solutions delivered a production-ready system handling 500+ loan applications daily. Their documentation and code quality are exceptional.
Why Choose Us for Fintech Development
15+ years of financial software engineering, a zero-breach security record, and deep regulatory expertise across PCI DSS, FCA, ASIC, and FinCEN jurisdictions.
PCI DSS-Native Development
Security is built into the architecture from day one — not bolted on at the end. Every sprint includes a security review against PCI DSS and OWASP ASVS controls.
Deep Fintech Domain Expertise
Our engineers have shipped digital banking, payment, lending, and investment platforms. We understand regulatory constraints, not just code.
15+ Years of Proven Delivery
We have been building financial software since 2008 — through PSD2, open banking mandates, GDPR, and multiple technology cycles.
Full-Stack Security Engineering
Dedicated security engineers on every fintech project — threat modelling, SAST/DAST scanning, penetration testing, and compliance certification support.
Zero Payment Breaches
Across 100+ fintech clients and 15+ years, we have maintained a zero-breach record on payment and financial data infrastructure we have built and managed.
End-to-End Fintech Team
PM, architect, frontend, backend, mobile, security, QA, and DevOps — every skill your fintech product needs, in a single accountable team.
US / UK / AU / CA Expertise
We understand PCI DSS, FCA, ASIC, FinCEN, OSFI, and CDR open banking. Jurisdiction-specific compliance is part of our discovery process, not an afterthought.
Transparent, Milestone-Based Delivery
Fortnightly demos, weekly status reports, and full source code access from day one. No black boxes. No surprises at invoice time.
Start Your Fintech Project
Tell us about your product and we will schedule a free 60-minute discovery call with a senior fintech architect. No sales pitch — just technical clarity on what you need to build and how to build it compliantly.
Free 60-minute discovery call with a senior fintech architect
Preliminary PCI DSS / regulatory scoping at no charge
Architecture recommendation and tech stack advice before you commit
NDA available on request — your idea stays protected
Response within 24 business hours from our fintech team
Tell Us About Your Fintech Project
Fintech Development — Frequently Asked Questions
Everything you need to know about building PCI DSS-compliant, production-ready fintech software with 1Solutions.