Fintech Software Development Company
Neobanks, lending, wealth-tech & payment platforms — built with PCI-DSS, RBI, FCA, MAS & NYDFS compliance baked in
Built for Regulated Finance. Built for Scale.
Datasoft Technologies builds custom fintech software for licensed banks, neobanks, payment institutions, wealth-tech firms, lending platforms, crypto exchanges, RegTech and InsurTech companies. From PCI-DSS-compliant payment platforms to FCA-regulated wealth-tech and RBI-compliant digital lending — we deliver financial software that meets regulator expectations from day one.
We build under PCI-DSS, RBI Master Directions, FCA Operational Resilience, MAS TRM Guidelines, NYDFS 23 NYCRR 500, DIFC/ADGM and Saudi PDPL frameworks — with KYC/AML, encryption, audit-trail logging, BCP/DR and outsourcing controls baked in. SOC2 Type 2-aware delivery for enterprise fintechs.
From licensed payment institutions to NYSE-listed financial enterprises — fintech clients ship faster with Datasoft.
Fintech Builds
DSS Aware
Regulator Frameworks
Uptime SLA
Fintech Software We Build
Across the entire financial services value chain — banking, payments, lending, wealth, crypto, insurance.
Neobanks & Digital Banking
Customer-facing apps on top of BaaS providers (Unit, Solid, Railsr, NIUM) with onboarding, KYC, accounts, cards, payments, transactions and statements.
Payment Platforms
PCI-DSS-aware payment infrastructure — gateways, wallets, P2P, cross-border, BNPL, recurring billing, fraud detection and chargeback management.
Lending Platforms
Digital lending with onboarding, credit scoring (alt-data + ML), loan origination, underwriting, disbursement, servicing, collections and reporting.
Wealth-Tech & Investing
Robo-advisors, brokerage platforms, wealth dashboards, portfolio management, custody integrations and AFSL/SEC/FCA-regulated workflows.
Crypto & Web3 Platforms
Crypto exchanges, custody platforms, DeFi protocols, NFT marketplaces — with NYDFS BitLicense / FinCEN MSB / India FIU registration support.
RegTech & InsurTech
KYC/AML transaction monitoring, sanctions screening, regulatory reporting (FCA, RBI, FinCEN), insurance core systems, claims automation and InsurTech apps.
Services We Deliver For Fintech
PCI-DSS, FCA, RBI, MAS & NYDFS-aware delivery — built for regulated finance
Custom Software
Core banking, lending engines, ledgers.
AI Development
Fraud detection, AML, credit scoring AI.
Mobile Apps
Neobank, wealth, payment apps.
SaaS Development
B2B fintech SaaS, RegTech platforms.
Web Development
Trader dashboards, advisor portals.
API Development
Open Banking APIs, BaaS integration.
Cybersecurity
PCI-DSS, SOC2, fintech VAPT.
Cloud & DevOps
FCA/RBI-aligned cloud architecture.
Fintech Compliance & Regulatory Frameworks
PCI DSS
SOC2 Type 2
FCA / PRA
RBI India
MAS TRM
NYDFS 500
Fintech Tech Stack & Integrations
Stripe / Adyen
RazorPay / NIUM
Onfido / Jumio
ComplyAdvantage
Plaid / TrueLayer
AWS / Azure
Fintech Software Development FAQs
What is fintech software development?
Fintech software development is the engineering of regulated financial software — including neobanks, payment platforms, lending engines, wealth-tech, BNPL, crypto exchanges, RegTech and InsurTech. It combines secure architecture, regulatory compliance (PCI-DSS, RBI, FCA, MAS, NYDFS) and high-availability infrastructure.
Are you PCI-DSS compliant for payment processing?
Yes. We deliver under PCI-DSS-aware controls — tokenization (never storing raw card data), HSM-based key management, network segmentation, encryption (TLS 1.3, AES-256), audit logging, vulnerability management and quarterly ASV scans. We work with PCI-aligned payment processors (Stripe, Adyen, Worldpay, RazorPay) for SAQ-A compliance.
How much does fintech software development cost in 2026?
A focused fintech MVP (one feature like P2P payments or basic lending) typically costs $50,000–$120,000. A full fintech platform with KYC, payments, wallet, ledger and compliance ranges $150,000–$500,000. Enterprise neobank platforms run $500K–$2M+. Compliance adds 30–50% versus non-regulated software.
Do you handle KYC, AML and identity verification?
Yes. We integrate Onfido, Jumio, Trulioo, Persona, Sumsub, Veriff, Hyperverge for KYC; build AML transaction monitoring with rule engines + ML-based anomaly detection; handle PEP/sanction screening (ComplyAdvantage, Refinitiv); and implement audit-trail logging for FinCEN, FCA, RBI and MAS reporting requirements.
Can you build banking-as-a-service (BaaS) integrations?
Yes. We integrate with leading BaaS providers — Unit, Solid, Synapse (US), Railsr, Modulr, ClearBank (UK), NIUM, Wise (multi-region), M2P, Decentro, Setu (India). We build the customer-facing layer (onboarding, accounts, cards, payments) on top, handling KYC, AML, ledger and reconciliation.
Are you FCA, RBI, MAS and NYDFS compliant?
Yes. We deliver under regional financial regulator frameworks — FCA Operational Resilience and PRA SS2/21 (UK), RBI Master Directions on outsourcing and digital lending (India), MAS Technology Risk Management (Singapore), NYDFS 23 NYCRR 500 (New York), DIFC/ADGM (UAE) — including audit-trail logging, change management, BCP/DR and outsourcing controls.
Ready To Build Your Fintech Platform?
Get a free 30-minute consultation with our fintech architects. Mutual NDA at first call. We'll scope the build, identify regulatory requirements and share a clear cost & timeline plan.