FinTech Software Built to Scale

When every millisecond counts. From WealthTech to BNPL and trading, we help you launch secure and compliant fintech apps.

Engineered for performance and low-latency

  • WealthTech

    Launch faster, integrate easily, and deliver intuitive experiences your clients expect. We take on compliance implementation and enterprise-grade security, so you can focus on innovation such as building AI-driven processes.

  • Trading Platforms

    Every interaction feels instant and reliable. We build platforms for performance, high availability, and low latency. Ship changes with blue-green deployments (parallel versions, instant rollback), gain high availability, fault tolerance, and safe features rollout via canary releases. Be sure zero-downtime deploys keep updates seamless in the background.

  • Buy Now Pay Later

    BNPL you can trust at scale. Our solutions integrate KYC/AML and credit-data providers for instant, compliant decisions. We use machine learning for affordability, fraud defense, and explainable outcomes. Gain full observability, proven workflows, and multi-market readiness.

  • Future-Ready FinTech

    Our experience goes beyond WealthTech, BNPL, and Trading; we’ve also delivered in B2B payments and DeFi, building systems that handle high-volume transactions, fraud detection, and cross-border flows with confidence. We consult, architect, implement and maintain systems for top Polish banks using Confluent Kafka for data flows.

Why SoftwareMill

  • Engineering excellence

    We match deep technical skills with pragmatic decision-making. Expect well-reasoned architectures, fit-for-purpose tooling, clean code, and disciplined delivery.

  • Individual and proactive approach

    We engage like an in-house team: listening first, proposing options, and challenging assumptions when it reduces risk or time-to-value. You’ll get clear recommendations and results.

  • Built-in security & reliability

    Security is a default: threat modeling, least-privilege, encrypted data paths, and auditability throughout. Our systems cover high availability, zero-downtime releases, observability, and tested rollbacks.

  • No red tape approach

    Small, senior teams: direct access to decision-makers and fast feedback loops. We remove bottlenecks so architecture choices and delivery plans move quickly and precisely

  • More than just code, a long-term partner

    We help you navigate trade-offs, shape roadmaps, and scale teams. From performance tuning and cost control to compliance and resilience, we stay accountable for outcomes.

Software Architect
Paidy

"In a show of flexibility, SoftwareMill was able to adapt to the management style of their clients. Their contribution to the software development aided the productivity of other teams. They are a highly knowledgeable and communicative group."

Leonardo Taccari
Cloud Architect, faire.ai

"SoftwareMill worked with us to quickly bring up infrastructure in our very early stage for multiple environments on multiple AWS accounts based on Kubernetes. After several years we ended up in a disaster and accidentally lost several Kubernetes namespaces. It was a pleasure to be able to restore the namespace in literally a couple of minutes!"

Kamil "Rudy" Dobrzyński
Head of Engineering, Uncapped

"The team members have deep expertise in multiple areas so they really contributed to the overall shape of the product."

Daniel Pfeiffer
VP of Engineering, Firstbird

"Thanks to the SoftwareMill team, the company was able to improve their technical foundation, making maintenance a much easier process moving forward. As a result, they are able to meet their customer's functionality requirements."

VP of Engineering
Health analytics company

"SoftwareMill consistently provides communicative, skilled resources who are able to work within the business' tech stack and produce high-quality products, which has been advantageous."

Want to know first-hand how we deliver? Let us know and we will connect you with our clients!

Connect me with your client
+15 years of commercial experience
+7 avg. project duration in years

FinTech Development

SoftwareMill

  • What is FinTech software development?

    FinTech software development refers to designing and building digital systems for the financial industry, covering everything from payments, wealth management, trading, and lending to regulatory technology (RegTech) and decentralized finance (DeFi).

    Unlike general software projects, FinTech systems must handle:

    • high-volume transactions with minimal latency,
    • strict compliance (e.g., PSD2, GDPR, PCI-DSS),
    • advanced security controls, encryption, and auditability,
    • integration with third-party APIs (banks, data providers, KYC services).

    At SoftwareMill, FinTech software development means combining deep technical expertise with domain-specific understanding. We deliver secure, compliant, and future-ready solutions that scale globally.

  • What affects the cost of FinTech app development?

    Costs depend primarily on complexity, security requirements, and compliance scope. Integrating KYC/AML providers, ensuring low-latency infrastructure, or building explainable AI models for risk and fraud adds effort and testing time. Another cost factor is availability architecture – for example, if you need blue-green or canary deployments, 24/7 uptime, and full observability, the infrastructure layer becomes more demanding.

  • What are the biggest challenges in FinTech software development today?

    Some recurring challenges include:

    • Regulatory complexity – ensuring compliance across markets and evolving FinTech legislation.
    • Latency and performance – especially in trading and payment systems where milliseconds matter.
    • Data management – handling high-volume, real-time data flows safely.
    • Fraud prevention – using ML models while maintaining explainability for regulators.
    • Scalability – building architectures that grow with user demand and transaction volume without downtime.

    Read more about top FinTech challenges, key barriers, and solutions for startups, scaleups, and mature firms.

  • What FinTech trends are shaping development priorities in 2025?

    Key trends include:

    • AI-driven risk modeling and personalization in WealthTech and credit scoring.
    • Composable and API-first platforms that integrate easily with partners and data providers.
    • Real-time analytics and event streaming using tools like Apache Kafka and Confluent for instant decisioning.
    • Cross-border and multi-currency enablement, especially in B2B payments.
    • Zero-trust architectures and continuous authentication as security standards evolve.

  • What technologies are best for building scalable FinTech platforms?

    Fintech systems demand reliability, observability, and speed. Our tech stack often includes:

    Technology choices are always guided by business needs – performance, cost efficiency, and long-term maintainability.

  • What is Buy Now Pay Later (BNPL) software?

    Buy Now Pay Later (BNPL) software lets customers purchase products or services and pay for them later — usually in several smaller installments instead of one full payment upfront. Merchants get paid immediately, while the BNPL provider handles the customer’s repayment process.

    BNPL has become a major fintech trend because it combines convenience for consumers with increased sales for merchants. To work well, these platforms must process payments instantly, assess credit risk in real time, and stay compliant with financial regulations.

    At SoftwareMill, we build BNPL systems designed for trust and scale. Our solutions integrate seamlessly with identity verification and credit providers, offering explainable AI for decision-making, observability for full transaction visibility, and zero-downtime deployment pipelines.

    This means BNPL companies can launch faster, operate safely across multiple regions, and continuously evolve their offer without compromising compliance or user experience.

  • What is WealthTech software?

    WealthTech (short for Wealth Technology) is software that helps people and companies manage their money, investments, and savings through digital tools. Examples include robo-advisors that automatically invest your money, portfolio management apps that track performance in real time, or AI-powered platforms that suggest investment strategies based on your goals and risk level.

    WealthTech is one of the fastest-growing areas in FinTech because it makes investing easier, faster, and more personalized. It allows users to access financial insights that were once available only to professionals, and gives financial institutions tools to offer modern, data-driven services.

    At SoftwareMill, we build WealthTech platforms that are secure, scalable, and user-friendly. We help companies:

    • Stream live market data for real-time updates.
    • Integrate AI-driven recommendations and analytics.
    • Ensure compliance and data protection for sensitive financial information.
    • Deliver smooth, reliable performance even with thousands of users.

    Whether it’s a digital investment platform, a personal finance app, or a wealth management system, we design technology that helps companies grow — and helps users make smarter financial decisions.

  • How to choose the right FinTech software development company?

    When selecting a FinTech software partner, look for:

    • proven domain expertise in banking, trading, or lending,
    • a strong track record in security and compliance,
    • ability to handle complex integrations and low-latency systems,
    • transparent communication and senior-level engineering.

    SoftwareMill meets these standards with teams of senior developers, direct access to decision-makers, and a long-term partnership mindset that goes beyond code delivery.

  • What distinguishes SoftwareMill from other FinTech development partners?

    SoftwareMill combines deep engineering expertise with financial-sector experience. Teams are senior-only, directly accessible, and proactive in advising on trade-offs between speed, cost, and compliance. Our no-red-tape structure means architecture and delivery decisions move fast, while our security-by-default culture ensures long-term reliability.

    You get:

    • Engineering excellence and transparent collaboration.
    • Proven experience with top-tier banks and FinTech startups.
    • A culture of accountability, innovation, and long-term partnership.

    Our goal: to help you move faster, reduce risk, and own a solution that scales globally with confidence.

    Read more on why choose us

  • How does SoftwareMill handle performance and latency in trading or payments?

    We design for low-latency and fault tolerance from the start — using distributed caching, asynchronous messaging, and high-throughput event processing (Kafka, Akka, or similar). Observability and automated scaling ensure predictable performance during traffic spikes, while load-testing verifies real-world resilience before launch.

  • How does SoftwareMill ensure security and compliance from day one?

    Security is baked into the process, not added later. For compliance (e.g., GDPR, PSD2, PCI-DSS), we apply security by design and document all controls. We also integrate automated checks into CI/CD pipelines to prevent regressions and ensure traceability.

  • What post-launch support do you provide?

    We stay on as a long-term technology partner (with an average of +7 years of partnership), offering system monitoring, cost optimization, and continuous improvement. This includes performance tuning, compliance audits, infrastructure maintenance, and feature expansion based on user data and feedback loops.

    • 24/7 monitoring and observability setup.
    • Performance tuning and infrastructure cost optimization.
    • Ongoing compliance checks and feature evolution.
    • Knowledge transfer and co-development with internal teams.