Top 10 Fintech Software Development Companies to Watch in 2026

• Curated list of 10 vetted fintech software development companies.
• Designed for CIOs, CTOs and product leaders at banks, lenders and fintechs comparing potential software development companies.
• Covers a mix of boutique nearshore firms, mid-sized engineering partners and global players.
• Compares each company by financial software expertise, core services, AI capabilities and delivery model to support vendor shortlisting.

Choosing the Right Fintech Software Development Partner

Choosing the right fintech software development company is critical for banks, lenders, and fintechs planning their next digital initiatives. To make this easier, we’ve curated 10 proven financial software development companies that build secure, scalable solutions for lending, payments, trading, and digital banking.

This list focuses on vendors with a strong track record in financial services, modern engineering capabilities (cloud, AI, data), and reliable delivery models across Europe and North America. Below, you’ll find a quick, structured overview of each company to help you compare options and shortlist the right partner for your next project.

1.   Accedia

Founded: 2012

Headquarters: Sofia, Bulgaria

Size: 200–250 employees 

Overview: Accedia is a European technology consulting and software development partner with 13 years of specialized experience in the financial sector. Trusted by global institutions such as Castle Trust Bank, Societe Generale, Andaria, and ElementaryB, Accedia helps financial organizations build secure, compliant, and AI-driven digital solutions. With a delivery across 20+ countries, the company combines financial domain expertise with deep engineering capabilities.

Key Services:

• AI, data analytics & ML-driven financial solutions
• Core banking & lending platform modernization
• Custom web, mobile & cloud-native engineering
• DevOps automation, observability & QA
• Long-term managed delivery & product evolution for financial systems

Financial Software Expertise:

• Digital lending and POS finance platforms
• Banking portals, onboarding flows & customer applications
• AI-powered personalization, fraud detection & risk scoring
• Credit decisioning and financial workflow automation

Why Clients Choose Them:

• 50+ implemented AI models across regulated financial environments.
• Security-first delivery aligned with ISO standards.
• Recognized by Deloitte, Financial Times, Gartner, and IAOP.
• Consistently high engineering quality backed by a 1% top-talent.

Find More About Accedia's Fintech & Banking Software Development Expertise

2.   OAK'S LAB

Founded: 2016

Headquarters: Prague, Czech Republic

Size: 85+ employees

Overview: OAK’S LAB is a digital product development partner specializing in custom web and mobile application development for startups and enterprises. With Silicon Valley roots and top-tier Czech engineering talent, the company has delivered over 65 software products for early-stage startups, scaleups, and global enterprises.

Key Services:

• Product discovery & UX/UI design
• Full-stack web & mobile software development
• AI & agentic systems
• Dedicated development teams (staff augmentation)

Financial Software Expertise:

• Fintech platforms for equity capital markets
• Payment optimization solutions
• Diversified projects in cybersecurity, edtech, and other sectors

Why Clients Choose Them:

• Fast, agile delivery cycles (dual-track agile for continuous feature releases)
• Deep expertise in modern tech stack (e.g. React, Node.js, Next.js, AI)
• Results-driven culture and a long-term partnership approach to client success.

3.   EPAM Systems

Founded: 1993

Headquarters: Newtown, Pennsylvania, USA

Size: ~60,000+ employees

Overview: EPAM Systems is a world-class digital engineering and consulting company that delivers mission-critical software solutions for enterprises across many industries, including financial services, healthcare, retail, media, and manufacturing. With a strong global engineering footprint, EPAM supports complex technology programs at scale.

Key Services:

• Enterprise platform engineering
• Cloud-native transformation
• Digital experience and product development
• AI, data engineering & advanced analytics
• Core system integration & legacy modernization

Financial Software Expertise:

• Trading & investment platforms
• Digital banking and payment systems
• Core banking modernization & migration
• High-load financial transaction systems

Why Clients Choose Them:

• Strong engineering cultures, known for technical excellence
• Proven ability to deliver large-scale, multi-country transformation programs
• Mature global delivery model (nearshore and offshore)
• Deep vertical expertise across banking, capital markets, and other sectors

4.   Netguru

Founded: 2008

Headquarters: Poznań, Poland

Size: ~400 employees 

Overview: Netguru is a software consultancy and product studio recognized in FT 1000 and Deloitte Fast 50 rankings. It delivers digital products for clients across sectors such as finance, retail, consumer services, and technology, with a strong track record in modern, design-led applications.

Key Services:

• End-to-end product development
• Mobile and web apps, cloud-native back-ends
• Product design, UX/UI, and product strategy

Financial Software Expertise:

• Digital banking & cloud banking services
• Fintech apps for payments, KYC, and compliance tooling
• Data-driven, UX-heavy B2C finance products

Why Clients Choose Them:

• Excellent UX and user-centered thinking
• Strong rapid prototyping and experimentation capability
• Good fit for innovation-focused, digital-first projects

5.   SoluLab

Founded: 2014

Headquarters: Los Angeles, USA 

Size: 250+ employees

Overview: SoluLab is a software development company specializing in blockchain, Web3, and AI-based solutions for a variety of industries, including finance, healthcare, supply chain, and entertainment. It helps organizations explore and implement emerging technologies in production-ready products.

Key Services:

• Blockchain platform and smart contract development
• Web3 wallets, exchanges, and DeFi applications
• AI & automation solutions for digital products

Financial Software Expertise:

• Blockchain solutions for finance – KYC/AML, on-chain identity, transparent ledgers
• Crypto trading platforms, tokenization, and decentralized lending

Why Clients Choose Them:

• Expertise at the intersection of fintech and blockchain
• Strong advisory on emerging tech use cases
• Suitable for experimental or innovation-driven work

6.   Fingent

Founded: 2003

Headquarters: New York, USA

Size: ~600 employees 

Overview: Fingent is a global custom software company with 20+ years of experience and projects across industries such as finance, real estate, logistics, and healthcare. It provides end-to-end development services with a focus on long-term partnerships and business impact.

Key Services:

• Custom web & mobile apps
• Platform development and integration
• Cloud, analytics, and digital transformation services

Financial Software Expertise:

• Digital banking experiences & self-service portals
• Payment & money movement solutions
• Financial management, lending, and wealth tools

Why Clients Choose Them:

• Mix of onshore (US) client engagement and global delivery centers
• Emphasis on long-term partnerships and solution ownership
• Reliable and predictable delivery
• Flexible engagement models

7.   Kindgeek

Founded: 2013

Headquarters: Lviv, Ukraine

Size: 200+ employees

Overview: Kindgeek is a software development company delivering full-cycle digital products for clients in sectors such as fintech, retail, and education, with a particularly strong focus on financial technology solutions. It supports clients from idea validation through to launch and scale.

Key Services:

• End-to-end product development (from discovery to launch)
• Fintech software engineering
• UI/UX design
• Business analysis & product consulting
• Dedicated development teams

Financial Software Expertise:

• Digital banking platforms
• Payment systems & e-wallets
• Core banking modules & integrations
• RegTech solutions (KYC/AML, identity verification)

Why Clients Choose Them:

• Deep experience in building fintech products from concept to launch
• Strong blend of UI/UX and engineering capabilities
• Collaborative and proactive delivery style

8.   99x

Founded: 2004

Headquarters: Oslo, Norway

Size: ~600 employees

Overview: 99x is a digital product engineering company helping global software-driven businesses build and scale modern platforms. With engineering hubs in Sri Lanka and Europe, it works across industries such as finance, logistics, and technology, offering long-term product development partnerships.

Key Services:

1. Product engineering & SaaS development
2. Cloud replatforming and modernization
3. DevOps & automation
4. QA, test automation, and security engineering
5. Dedicated development teams

Financial Software Expertise:

• Digital payment platforms
• Online trading and transaction systems
• InsurTech solutions
• Wealth management and portfolio systems
• Compliance and reporting tools

Why Clients Choose Them:

• Strong product engineering instincts vs. generic outsourcing
• High-quality nearshore/offshore hybrid model
• Scandinavian leadership ethos (quality, transparency, engineering excellence)
• Experience building long-term product R&D teams

9.   Yameo

Founded: 2005

Headquarters: Gdańsk, Poland & Breda, Netherlands

Size: ~60–100 employees

Overview: Yameo is a boutique European software development company specializing in digital platforms for finance, insurance, and healthcare. With nearly two decades of experience, Yameo focuses on building secure, process-heavy enterprise systems with long-term client partnerships.

Key Services:

• Custom software development
• Digital platforms for finance & insurance
• Process automation & workflow systems
• UX/UI design
• Software support & long-term maintenance

Financial Software Expertise:

• Insurance and finance customer portals
• Claims and back-office workflow systems
• Secure enterprise platforms integrated with third-party financial tools

Why Clients Choose Them:

• Deep domain knowledge in regulated industries
• Close collaboration and steady, predictable delivery
• High-quality nearshore engineering at reasonable rates
• Excellent fit for finance firms needing stable long-term systems

10.          SPD Technology

Founded: 2006

Headquarters: London, UK

Size: ~600+ employees

Overview: SPD Technology is a global software engineering company known for building high-performance platforms and complex SaaS products for clients across sectors such as fintech, e-commerce, and information services. It is particularly experienced in delivering robust, high-load systems.

Key Services:

• Custom enterprise software engineering
• Product development for fintech & SaaS
• Data engineering & AI
• Cloud & DevOps
• Legacy modernization

Financial Software Expertise:

• Trading systems & investment platforms
• High-load payment platforms
• Wealth management solutions
• Risk management & compliance automation

Why Clients Choose Them:

• Ability to handle technically demanding, large-scale fintech systems
• Strong product mindset and engineering rigor
• Flexible team scaling for long-term product development

Conclusion

The 10 fintech software development companies in this list represent a mix of global players, product studios, and specialized engineering partners. Each can be a good fit depending on whether you’re building a lending platform, modernizing core banking, launching a new fintech product, or scaling high-load trading and payments systems.

When shortlisting vendors, focus on three things:

• Proven results in financial services, not just generic software delivery
• Strength in cloud, data, and AI, which now underpin most modern financial products
• A delivery approach that fits your culture, risk profile, and long-term roadmap

A well-chosen partner can reduce risk, shorten time-to-market, and help you turn regulatory and technological pressure into a competitive advantage.

Get in touch with our team to discuss your roadmap and see how we can support your digital lending, payments, or core banking initiatives.