Secure, AI-Powered Fintech Software Development Services

From banking apps to AI-driven fraud detection, we help financial institutions modernize legacy systems and launch scalable products. Build with confidence using our PhD machine learning engineers and SOC 2 Type II compliant infrastructure.
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Free 30-minute consultation with fintech experts
Experian
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Consumer_Reports
National Public Radio
Cymbiotika
Fanduel
Simplisafe
Dorel
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ExperianskylightConsumer_ReportsNational Public RadioCymbiotikaFanduelSimplisafeDorelSuffolk-logo
ExperianskylightConsumer_ReportsNational Public RadioCymbiotikaFanduelSimplisafeDorelSuffolk-logo

Proven Fintech Expertise

150+
Projects Delivered
90%
Talent Retention Rate
10+
Years Building Fintech Products
SOC-2
Type II Compliant Development
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FDA 510(k) Experience
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HIPAA Compliant
HL7 FHIR-logo
HL7 FHIR Ready
WHY CHOOSE NINETWOTHREE

AI-Powered Fintech Software Development Done Right

AI-Driven Financial Intelligence

We provide fintech solutions powered by advanced ML—enhancing risk prediction, fraud detection, and personalized wealth management.

Proven Scale & Reliability

We build high-frequency, low-latency systems that process millions of transactions and scale without downtime—whether for consumer wallets or institutional trading platforms.

Regulatory & Compliance Expertise

We handle the complexity of financial regulations—KYC/AML, PCI-DSS, GDPR, and banking standards—so your product is secure and market-ready.

SOC 2 Compliant & Secure

Our SOC 2 Type II certification ensures that your sensitive user data, transaction logs, and PII are protected by enterprise-grade security protocols throughout the development lifecycle.

Transparent Development Process

Financial projects cannot afford black boxes. With Monday.com dashboards, weekly demos, and direct access to engineers, you maintain full visibility into your burn rate, feature velocity, and architectural decisions.

Boston-Based, Globally Delivered

Headquartered in Boston with a distributed team of senior engineers. We combine US-based product strategy with top-tier engineering talent to deliver world-class software for clients across the US, Europe, and beyond.

Fintech Solutions We've Built

Increased page views by 4.6x in 4 months

4.6x
Page views
4mo
Timeline to hit lift
2x
Organic traffic doubled

Unified financial analyst research with an AI chat layer

15K
News articles daily
Single
Research hub
Hours
Of work saved

Their team was highly responsive, and close communication throughout the project kept everything aligned.

William Hess
Co-CEO & Head of Research at PRC Macro
William Hess

Predicted house sales with 85% accuracy using machine learning

85%
Prediction accuracy
ML
Custom model
Lower
Marketing costs

The team that supports and executes the implementation has vast knowledge and experience.

Tyrus Garrett
CEO of Dataflik
Tyrus Garrett

Delivered personalized investing on iOS and Android with Pebble

iOS
Native
Android
Native
2
Platform parity

Grew Stock Market Eye subscriptions with a new UX/UI

UX/UI
Full redesign
iOS
Native app
Growth
In subscriptions

Simplified tax filings with Tax Butler

Custom
Flow
UX/UI
Design-led
Tax
Filing product
FAQs

About AI Fintech Software Development

Will we own the source code and intellectual property?

Yes, 100%. As a premier provider of fintech software development services, we believe you must own your IP. Upon delivery, we transfer all code repositories, documentation, and design assets to your team.

How do you handle security and data compliance?

Security is "Day 0" for us. We are SOC 2 Type II certified and build software with strict adherence to OWASP top 10 standards. We ensure encryption at rest and in transit, and we are experienced in implementing PCI-compliant environments.

Can you integrate with legacy banking systems or third-party APIs?

Absolutely. We specialize in connecting modern UIs with legacy backends. We have deep experience integrating with aggregators like Plaid and Yodlee, payment gateways like Stripe and Adyen, and core banking APIs.

What is the typical timeline for a custom fintech MVP?

While every project varies, a typical MVP for custom fintech software development services takes 3–6 months. We start with a discovery phase to scope requirements strictly, ensuring we hit market windows without scope creep.

Do you have experience with Blockchain or Crypto?

Yes. Our engineering team has experience building decentralized applications (dApps), smart contracts, and secure crypto-wallets, ensuring that even bleeding-edge financial tools are built on stable architecture.

What Fintech Companies Say About Us

William Hess
William Hess
Co-CEO & Head of Research at PRC Macro
Financial Services & Fintech

The project management team was on top of every phase of development and maintained detailed notes and weekly objectives that were always available for our team to reference. Everything was delivered on time; their experience allowed for the inclusion of refinements along the way.

Unified financial analyst research with an AI chat layer
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Contact us

Ready To Build The Next Generation of Finance?

Stop relying on off-the-shelf solutions that can't handle your specific regulatory or technical needs. Whether you need a banking app, a trading algorithm, or an insurance platform, our experts are ready to build.

  • Meet with founders Andrew Amann & Pavel Kirillov

    founders
  • Custom AI implementation roadmap

  • No sales pressure

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