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Accelerating FinTech Innovation with Secure, Scalable & Intelligent Technology

Digital Lending, Investment Platforms, Neo-Banking, WealthTech & Compliance-Driven FinTech Solutions

FinTech

FinTech Industry Overview

FinTech is reshaping the financial world—offering faster, smarter, and more inclusive financial services. Whether you're a startup or an enterprise, modern FinTech platforms must be compliant, intelligent, and seamless for user adoption and trust.

Appsgain Technologies enables FinTech founders and enterprises to design, develop, and scale innovative digital finance solutions—integrated with AI, APIs, analytics, and strict regulatory security.

Why Choose Appsgain for FinTech?

9+ Years in FinTech App Development

Our extensive experience ensures robust, innovative platforms tailored to the unique demands of the FinTech industry.

Expertise in LendingTech, Neo-Banking, WealthTech & RegTech

We specialize in delivering end-to-end solutions across lending, banking, wealth management, and regulatory compliance.

AI-Driven Risk Assessment, Credit Scoring & Robo-Advisory

Leverage AI to enhance risk management, credit evaluation, and automated advisory services for smarter financial decisions.

Modular Architecture for Scalability & Speed

Build fast, scalable platforms with modular designs to adapt to growing user demands and market changes.

API Integrations with UPI, PAN, GST, CIBIL, DigiLocker & Banks

Seamlessly connect with critical financial APIs for real-time data and transaction capabilities.

Compliance-Ready: RBI, PCI DSS, GDPR, ISO 27001

Ensure trust and regulatory adherence with platforms built to meet stringent compliance standards.

In-Depth FinTech Services

Comprehensive solutions with cutting-edge AI features to transform your FinTech operations

Neo-Banking & Digital Finance Platforms

Custom platforms for modern digital banks with savings, transfers, KYC, cards, and investment features.

AI Features:

  • Personalized savings tips
  • Expense categorization engines
  • Real-time fraud alert AI

Digital Lending & BNPL Solutions

End-to-end loan processing systems: onboarding, credit scoring, underwriting, and EMI repayment.

AI Features:

  • AI-based borrower scoring
  • Risk-based pricing engines
  • Smart EMI plan generator

WealthTech & Investment Apps

Build platforms for SIPs, mutual funds, stocks, and alternative assets with real-time dashboards.

AI Features:

  • Robo-advisory & auto-rebalancing
  • AI-based investment risk profile detection
  • Personalized investment suggestions

Expense Trackers & Personal Finance Tools

Wallet apps, bill splitters, savings planners, and budgeting tools for financial literacy and control.

AI Features:

  • Spending habit analyzer
  • Auto-budget creator
  • Smart savings nudges

Digital KYC & Onboarding Automation

Digitize onboarding with paperless e-KYC, video KYC, signature capture, and fraud detection.

AI Features:

  • Face-match + liveness detection
  • Document OCR & classification
  • Geo-location & behavioral scoring

AI Chatbots for FinTech Support & Sales

Conversational bots for account info, product queries, EMI reminders, and onboarding walkthroughs.

AI Features:

  • Voice-enabled financial bots
  • Smart lead qualification
  • Conversational upselling

Tax & Compliance Automation (RegTech)

Auto-generation of financial statements, tax forms, GST filing, and real-time compliance monitoring.

AI Features:

  • GST input-output matching
  • Tax optimization engine
  • Audit-ready report generator

Fraud Detection & Cybersecurity Tools

Build intelligent security systems for real-time monitoring, threat detection, and policy enforcement.

AI Features:

  • Anomaly-based fraud alerts
  • Login pattern monitoring
  • Location/IP/device fingerprinting

Payment Gateway & Banking API Integrations

Integrate seamlessly with RazorpayX, Stripe, PayU, UPI, bank APIs, Aadhaar, PAN, DigiLocker, and more.

AI Features:

  • API failure prediction
  • Smart retry and routing
  • Auto-reconciliation of transactions

Cloud Infrastructure & DevOps for FinTech

Compliant and scalable hosting with CI/CD pipelines, real-time backup, and security monitoring.

AI Features:

  • Load forecasting for peak usage
  • Smart scaling policies
  • Real-time health dashboards

Tools & Technologies We Use

We leverage cutting-edge technologies to build robust, scalable FinTech solutions

Node.js, Flutter, React, Firebase, Spring Boot
UPI, PAN, DigiLocker, Razorpay, Stripe, CIBIL, GSTN
AES-256, JWT, OAuth 2.0, SSL/TLS
AWS (FIPS), GCP, Azure
Docker, Kubernetes, Jenkins
RBI, ISO 27001, GDPR, PCI DSS

Featured Projects & Case Studies

Discover how we’ve transformed FinTech businesses with innovative, AI-driven solutions

BNPL (Buy Now Pay Later) System with AI Credit Scoring

Developed a BNPL platform with AI-driven credit scoring, enabling fast, secure loan approvals and personalized repayment plans.

WealthTech Robo-Advisory with SIP Automation

Built a robo-advisory platform with automated SIP adjustments, optimizing investments based on market trends and user profiles.

UPI + Card Neo-Banking App for Urban Youth

Created a neo-banking app with UPI and card integration, designed for seamless transactions and tailored for urban youth.

Personal Finance Tracker App with 1L+ Users

Designed a personal finance tracker app with over 100,000 users, featuring AI-driven budgeting and spending insights.

How We Work

Our structured process delivers secure, compliant, and innovative FinTech solutions tailored to your business goals

Product Roadmapping & Compliance Planning

We analyze your business needs and create a roadmap aligned with RBI, GDPR, and other compliance standards.

UI/UX with Micro-interactions for Trust

Our designs prioritize intuitive interfaces and micro-interactions to build user trust and ensure seamless experiences.

API-First Development

We develop robust platforms with API-first architecture, integrating with UPI, bank APIs, and other financial systems.

Security Audits, Load Testing & Compliance Check

Rigorous security audits, load testing, and compliance checks ensure secure, scalable, and regulation-ready solutions.

SEO, App Launch & Campaign Setup

We drive user adoption through targeted SEO, app store optimization, and paid marketing campaigns.

Post-Launch Support, Scale & Monetization

Ongoing support, cloud scaling, and monetization strategies keep your platform competitive and profitable.

Frequently Asked Questions

Common questions about our FinTech solutions

Can you help us build RBI-compliant FinTech platforms?

Yes. We build platforms with RBI, PCI DSS, GDPR, ISO 27001 compliance from day one.

Do you support UPI, Aadhaar, GST, DigiLocker, etc.?

Absolutely. We integrate all essential APIs and banking systems.

Can you build and host a secure digital lending platform?

Yes. We deliver full-stack LMS with AI, KYC, repayment & reporting.

Do you provide AI-based robo-advisory and investment tools?

Yes. We build SIP-based engines, mutual fund tracking, and auto-rebalancing tools.

How do you ensure app security and fraud prevention?

We use encryption, IP/device tracking, two-factor auth, and behavior anomaly detection.

Can we scale the platform to millions of users?

Yes. We use auto-scalable, cloud-native architecture with CI/CD.

What’s the delivery time for FinTech MVPs?

Typically 4–8 weeks for MVPs, 10–12 weeks for enterprise-grade builds.

Do you provide post-launch support?

Yes. We offer full SLAs, upgrades, security patches, and analytics.

Can you help us raise funds or pitch with tech strategy?

Yes. We provide pitch decks, architecture roadmaps, and tech due diligence prep.

Can you build multi-tenant SaaS FinTech platforms?

Absolutely. We specialize in multi-tenant SaaS for FinTech use cases like expense tools, investment apps, and lending.

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