Fintech Software Development Company
Launch Next-Gen Financial Products with AI
PCI-compliant payment, trading, and banking infrastructure with AI risk, fraud, and personalization layered on top — built by engineers who have shipped production fintech.
Financial Software We Build
Payment Systems
PCI-compliant payment processing, wallet infrastructure, and checkout flow optimization.
Trading Platforms
Real-time trading systems with low-latency market data processing and order management.
Banking Applications
Core banking integrations, mobile banking apps, and open banking API platforms.
Compliance & RegTech
AML, KYC, and regulatory compliance systems that reduce risk and operational overhead.
Crypto & Digital Assets
Custody, on-ramps, and trading infrastructure for regulated digital-asset products with clear separation of duties.
AI Risk & Fraud
ML fraud detection, transaction monitoring, and credit models tuned for fintech risk profiles and regulator scrutiny.
Fintech Software Development Services
Fintech software fails in the places users never see: a reconciliation job that drifts by a cent, a KYC flow that stalls at 80% completion, a ledger that can't prove its own balance during an audit. ABM Tech builds fintech platforms where correctness, compliance, and uptime are designed in from the first commit — not bolted on after a regulator asks.
We've shipped digital banking, lending, payments, wealth, and crypto products for companies that move real money at scale: a flagship regional bank's core platform, an investor-discovery marketplace, a capital-markets workflow tool, and a hardware-wallet ecosystem. Senior dedicated engineers, aligned to your team hours, and a delivery process built for security-first and audit trails — so your roadmap moves without your risk surface growing.
The challenge
Most fintech teams don't lack ideas — they lack engineering capacity that understands money. Generalist dev shops ship features that demo well and then leak edge cases: double-spends under load, idempotency gaps in payment retries, PII sitting somewhere it shouldn't. Every one of those becomes a compliance finding or a customer-trust event.
Our approach
We staff fintech engagements with engineers who've built ledgers, payment rails, and KYC/AML pipelines before. Week one is a data-flow and threat map — where money and PII move, where they're stored, who can touch them. We build the integration and compliance layer before the UI, deploy to your own cloud account by default for regulated data, and ship with audit logging, idempotency, and reconciliation as first-class concerns.
The outcome
Platforms that are structured to pass technical due diligence and regulatory review, not just user testing. We build digital-banking and payments products with the architecture reviewers' checklist in mind from day one — fewer incidents after launch, faster audit cycles, and a codebase that compounds on itself instead of accruing compliance debt.
A senior fintech engineer scopes your build — compliance, integrations, and timeline — in one call.
Case Studies
Built, launched, and still running.
Selected engagements
Browse all cases→
Healthcare · Sweden
Consent Management System Integration
Digital patient consent platform for Sweden's healthcare sector — BankID-integrated, cutting consent processing time by 86%.
Online Consultation Platform Integration
Healthcare · Telehealth
HIPAA-compliant telehealth platform pairing people with qualified therapists — booking, secure video sessions and progress tracking.
Shopping Platform Creation
E-commerce
Deal and coupon aggregation platform with algorithmic coupon stacking across leading U.S. retailers.
Sentiment Analysis & Trend Prediction
AI & Data Science
Multilingual NLP pipeline reading sentiment, sarcasm and emerging trends across global social channels.
Integrating APIs with the ServiceNow Platform
Enterprise Integration
REST API integration into ServiceNow that replaced error-prone manual workflows with automated ones.
The metrics that follow from shipping with senior engineers
4.9 / 5
Average client rating across platforms
93%
Net Promoter Score
Long-run
Client retention rate
Secure
Type II certified
Pick the engagement that fits
Four ways to work with us — from surgical staff augmentation to fully managed delivery. All models share the same senior-first talent bench.
Dedicated Teams
Full-time engineers embedded in your team for long-running engagements.
Explore Dedicated Teams↗Staff Augmentation
Add senior specialists to an existing team — vetted, onboarded, and up to speed in weeks.
Explore Staff Augmentation↗Project Delivery
Managed fixed-scope projects with a committed timeline and deliverables.
Explore Project Delivery↗Why ABM Tech
What keeps clients past the first delivery.
What clients tell us made the difference, usually somewhere around the second sprint.
Compliance by construction
Security-first-aligned process, HIPAA where it overlaps health-fintech, audit logging and access controls in from day one — not a pre-audit scramble.
Engineers who've built money systems
Ledgers, payment rails, KYC/AML, settlement, and reconciliation — patterns our team has shipped, not learned on your dime.
Your cloud, your data residency
Regulated workloads deploy to your AWS/GCP account by default, with cross-border data-residency handled in week-one architecture.
Correct under load
Idempotent payment flows, exactly-once processing, and reconciliation jobs that prove their own balances — tested against the edge cases that cost real money.
Real-time collaboration
Dedicated engineers on your business hours — incident response and code review happen live, which matters when the system moves funds.
Diligence-ready from the start
Architecture diagrams, security posture, and engineering-risk docs that reviewers for seed, Series-A, and bank partnerships actually accept.
Why Teams Choose Us
Security built in, not bolted on
Encryption, access control and compliance designed into the architecture from the first sprint — the way our Swedish healthcare consent platform was built.
Working hours that overlap
Singapore-based engineers who keep to your business day, so standups, reviews and decisions happen live rather than overnight.
Top Rated
Near-perfect satisfaction scores across Clutch, DesignRush, and Manifest.
How we work
Scoping call to production release.
Every engagement is staffed with named people whose only assignment is your build. No shared allocation, no roster of contractors matched to a brief.
Week zero
We start by arguing with the brief.
A working session on the problem, not a requirements hand-off.
The first conversation is technical. We go through the system you have, the constraints you are stuck with, and what would count as this having worked — and we push back where the brief and the goal disagree. The people in the room are the ones who would build it, because nobody else can tell you the architecture will not hold.
A walk through your existing stack, data and integration constraints
Run by the engineers who would staff the build, not an account manager
You leave with a scope, a team shape and the risks named out loud
FAQ
The questions that come up before you start.
Engagement models, pricing, security, and how we staff a project — answered straight, with the detail you would ask for on a first call anyway.
Yes. We default to security-first-aligned engineering — audit logging, least-privilege access, encrypted-at-rest data, and change-management trails. For card flows we build to PCI-DSS scope-minimization (tokenization, no raw PAN in your systems), and we've delivered against the technical questionnaires bank and BaaS partners send during onboarding.
Keep exploring