Softment

Solutions

Fintech Apps

Fintech app development for Australian teams with secure transaction flows, payment integrations, and operations visibility.

Timeline8-12 weeks
Starting at$2.2k

Who It's For

Perfect for

Fintech startups launching wallets or payment apps

Lending and credit platforms modernizing user experience

Teams building personal finance and budgeting products

Companies needing transaction and ledger visibility

Businesses entering regulated financial workflows

Use Cases

Built for these scenarios

Digital wallets and payment apps
Lending and BNPL experiences
Expense tracking and personal finance apps
B2B payout and invoicing platforms
Merchant dashboard and settlement tools
Investment and savings experience platforms
Compliance and risk review workflows
Financial analytics and reporting dashboards

Deliverables

Everything you receive

Secure fintech architecture with transaction-safe patterns
User onboarding with identity and profile flows
Payment integration and payout handling workflows
Role-based dashboards for users and operations teams
Ledger-aware data modeling and audit visibility
Fraud/risk checkpoints for sensitive actions
Monitoring, logging, and incident-readiness baseline
Compliance-aware implementation guidance
API integrations for external financial services
Documentation and handoff for product + engineering teams

Timeline

Typical timeline

1
2-3 weeks

Discovery

Define compliance boundaries, transaction flows, risk controls, and architecture.

2
8-12 weeks

Build

Implement user flows, payment logic, operations tooling, and reporting modules.

3
2-3 weeks

Launch & Stabilize

Roll out controlled launch, monitor transactions, and harden edge cases.

Metrics

Success metrics

Reduced transaction failure and support issues

Higher onboarding completion rates

Improved operational visibility and auditability

Secure-by-default architecture for scale

Faster release cycles through modular foundations

Considerations

Risks & assumptions

Compliance scope can change project complexity

Third-party financial API limitations may affect timelines

Risk logic must be aligned with policy owners

Payment and settlement edge cases need thorough QA

FAQ

Frequently asked questions

Yes. We build compliance-aware systems and collaborate with your legal/compliance stakeholders for production readiness.

Yes. We integrate payment providers and financial APIs with robust error handling and reconciliation-friendly logic.

We use secure data handling, encrypted transport, access control, and audit-oriented data models for sensitive operations.

Yes. We can integrate KYC providers and design onboarding workflows with verification checkpoints.

Yes. We build internal dashboards for reconciliation, support actions, and risk/compliance operations.

Yes. We structure fintech systems for phased growth and add controls as transaction volume increases.

Regional

Delivery considerations for your region

Compliance & Data (AU)

For Australian teams, we keep privacy and data-handling explicit: access boundaries, safe logging, and clear retention policies.

We can support residency-sensitive designs (where feasible) and document data flows for stakeholder review.

  • Privacy Act-aware delivery posture (generic, no legal claims)
  • Documented data flows and access boundaries
  • Retention/deletion options where required
  • PII-safe logging and least-privilege defaults
  • NDA and DPA templates available on request

Timezone & Collaboration (APAC)

We support APAC collaboration with AEST/AEDT-friendly meeting windows and async progress updates.

We keep momentum with weekly milestones, crisp priorities, and predictable release planning.

  • APAC overlap with AEST/AEDT windows
  • Async-first updates and written decisions
  • Weekly milestone demos and scope control
  • Release planning with staged rollouts
  • Clear escalation path for blockers

Engagement & Procurement (AU)

We can structure engagements with clear scope, milestones, and invoicing that fits common procurement expectations.

If you need a lightweight vendor onboarding pack, we can provide delivery process notes and security posture summaries.

  • AUD-based engagements and invoicing options
  • Milestone-based billing for fixed-scope work
  • Time-and-materials for evolving scope
  • Procurement-friendly documentation on request
  • Optional paid discovery to de-risk delivery

Security & Quality (APAC)

With APAC teams, async clarity matters: written decisions, stable releases, and test coverage that prevents regressions.

We use performance budgets and release checklists so handoffs stay smooth across timezones.

  • CI-friendly testing: unit + integration + smoke tests
  • Performance budgets + bundle checks
  • Release checklist + rollback plan for production launches
  • Security checklist for auth and sensitive data flows
  • Observability hooks (logs + error tracking) ready for production
Ready to start?

Want to scope this properly?

Building a fintech product for the Australian market? Tell us your flow and compliance context for a scoped plan. AUD-based engagements.

Reply within 2 hours. No-pressure consultation.