Fintech Software Solutions for Banks, Lenders and Payment Companies
Fintech products fail on the parts users never see: ledgers that don't reconcile, onboarding that loses half the applicants, compliance work left to the month before launch. We design and build banking, payments, lending and investing software with those parts engineered first.
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What Fintech Software Covers
Digital banking & neobanks
Mobile and web banking, accounts, cards and money movement on top of a banking-as-a-service partner or your core.
Payments & wallets
Checkout, payouts, P2P transfers and stored-value wallets through regulated processors, with reconciliation built in.
Lending & mortgages
Application, decisioning, document collection and servicing workflows for consumer, SME and mortgage lending.
Investing & wealth
Brokerage, ETF and portfolio apps with market data, orders and clear investor reporting.
Onboarding & KYC
Identity verification, AML screening and risk checks designed to pass compliance without losing applicants.
Back office & reporting
Admin consoles, ledgers, audit trails and regulatory reporting your operations team can run without developers.
Built for Specific Buyers, Not Everyone
Fintech founders
Taking a regulated product from idea to launch and needing design, engineering and compliance thinking in one team.
Banks and lenders
Modernising customer channels or a lending workflow around an existing core system.
Payment and wallet companies
Scaling transaction volume and adding products without destabilising the platform.
If you need a licensed core banking system itself, license one from a specialist vendor; we build the products and integrations around it.
From Kickoff to Launch
Discovery & compliance mapping
Users, money flows, partners and the regulatory obligations each flow triggers.
→ Scope + compliance mapUX & architecture
Onboarding and core flows prototyped and tested; ledger, security and integration architecture agreed.
→ Prototype + architectureBuild & integrate
Staged releases with KYC, payment and banking partners integrated and tested in sandbox.
→ Working first releaseLaunch & scale
Security review, monitoring, store releases and ongoing feature work after go-live.
→ Live product + supportTechnologies We Use
Compliance and Standards We Build To
PCI DSS
Card data handled by PCI-compliant processors and tokenised, so your platform stays out of scope wherever possible.
PSD2 / open banking
Strong customer authentication and account access through regulated aggregators and bank APIs.
KYC / AML
Identity verification, sanctions screening and transaction monitoring through specialist providers, with audit trails.
SOC 2 / GDPR-ready engineering
Encryption, access control, logging and data retention designed in from the first sprint.
Related Work
AWSM Bank
A neobank app for children with parental controls over money transactions, built for iOS and Android.
Cardeo
A credit card management app that tracks payment dates, balances and what to pay across several cards.
ETF Europe
A platform that simplifies buying ETFs, with filters that help investors find funds that fit their needs.
Finance Brokers
A Romanian digital mortgage platform that helps people compare banks and arrange a mortgage on better terms.
iGIVIT
A crowdfunding platform that lets supporters donate through the blockchain as well as by card.
Common Questions About Fintech Software
What fintech software does Northell Design build?
Digital banking and neobank apps, payment and wallet products, lending and mortgage platforms, investing apps, onboarding and KYC flows, and the back-office, ledger and reporting systems behind them. Our published fintech work includes AWSM Bank, Cardeo, ETF Europe, Finance Brokers and iGIVIT.
How does Northell Design handle compliance in fintech projects?
We map regulatory obligations in discovery: PCI DSS for card data, PSD2 and strong customer authentication, KYC/AML, GDPR and data retention. We keep regulated data with licensed providers where possible and build audit trails, access control and encryption from the first sprint. Your compliance team or advisers sign off; we make the system easy to evidence.
Why choose Northell Design over a fintech-only agency?
You get product design, mobile, web, backend and integrations in one senior team that has shipped banking, investing, lending and payments products. We also tell you when an off-the-shelf platform or a banking-as-a-service partner is the better choice instead of building.
Can Northell Design work with our existing core banking or payment provider?
Yes. Most of our fintech work sits on top of a core, a banking-as-a-service partner or a payment processor. We integrate through their APIs, design around their limits, and keep your own data model clean so you can change partners later.
Do you build both mobile and web fintech apps?
Yes. Customer apps are usually native or cross-platform mobile with a web companion, and operations teams get a web back office. We choose the stack per product rather than by default.
How long does it take to build a fintech MVP?
It depends on the number of partners and the regulatory scope more than on screens. We give a timeline after a scoping call; a focused first release with one payment or banking partner is usually measured in months, not a year.
Who owns the code and data?
You do. The code, repositories, cloud accounts and app store listings are yours, and customer data stays in infrastructure you control or with your regulated partners.