Softment

Solutions

Fintech Apps

Fintech app development for Canadian 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 (Canada)

For Canadian teams, we focus on practical privacy and security: least-privilege access, clear boundaries, and reviewable operational controls.

We can align implementation with SOC 2 / ISO-friendly practices (without claiming certification) and support documented data flows.

  • SOC 2 / ISO-friendly patterns (no certification claims)
  • Least-privilege access and secure session handling
  • Retention/deletion and export flows where required
  • PII-safe logging + access boundary documentation
  • NDA and vendor onboarding docs on request

Timezone & Collaboration (North America)

We work with Canadian teams with North America overlap and meeting windows that fit your schedule.

Delivery stays predictable via weekly milestones, async updates, and clearly documented decisions.

  • North America overlap and responsive communication
  • Async-first updates with written scope decisions
  • Weekly milestone demos and progress checkpoints
  • Clear escalation path for blockers
  • Tight change control with clear sign-offs

Engagement & Procurement (Canada)

We support procurement-friendly delivery: clear scope, change control, and billing cadence aligned to milestones when appropriate.

We can invoice in CAD for CAD-based engagements where required.

  • CAD-based engagements and invoicing options
  • Milestone-based billing and scope sign-offs
  • Time-and-materials for evolving requirements
  • Vendor onboarding pack on request
  • Optional paid discovery to de-risk delivery

Security & Quality (North America)

We keep quality visible: clean PRs, reviewable changes, and test coverage that matches the risk of each feature.

Performance budgets and release discipline help maintain stability as the product scales.

  • CI-friendly testing: unit + integration + smoke tests
  • Performance budgets + bundle checks
  • Structured release notes + rollback-safe deployments
  • Security checklist for auth, roles, and data flows
  • Observability hooks (logs + error tracking) ready for production
Ready to start?

Want to scope this properly?

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

Reply within 2 hours. No-pressure consultation.