Appther is a fintech app development company that engineers secure, compliant, and scalable financial products, from digital banking and payment wallets to lending, wealthtech and insurtech. PCI-DSS, PSD2 and GDPR ready, launched in as little as 12 weeks.
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In fintech, a single vulnerability or compliance gap can cost your licence and your customers' confidence. That's why we don't just build apps. We engineer regulated financial products where security, auditability, and reliability are designed in from the very first sprint, not bolted on before launch.
Bank-grade encryption, tokenization, biometric auth, and penetration testing on every build, because you're handling people's money, not just data.
PCI-DSS, PSD2, GDPR, KYC/AML and SOC 2 are baked into the architecture, so audits and regulatory approvals become milestones, not roadblocks.
Event-driven microservices and auto-scaling cloud infrastructure that stay fast and reliable from your first thousand users to your first million.
Whatever your financial product, our team has the domain expertise and pre-built accelerators to ship it faster, securely and at scale.
Full-featured mobile banking and neobank apps with accounts, cards, transfers, savings vaults, and onboarding, plus core-banking and BaaS integrations.
E-wallets, P2P transfers, QR and contactless payments, bill pay, and merchant checkout with 30+ gateway and UPI integrations.
Digital lending, buy-now-pay-later, and micro-loan platforms with automated credit scoring, e-KYC, loan management, and repayment engines.
Investment, trading, and robo-advisory apps with portfolio management, fractional investing, market data, and automated rebalancing.
Digital insurance platforms with policy management, instant quotes, claims automation, and AI-driven underwriting and risk assessment.
Budgeting, expense tracking, savings automation, and financial-wellness apps powered by account aggregation and AI insights.
Multi-currency remittance and international transfer apps with FX, compliance screening, and low-cost payout rails.
Crypto wallets, exchanges, DeFi, and tokenization platforms with secure key management and on/off-ramp integrations.
Automated KYC/AML, transaction monitoring, fraud analytics, and regulatory reporting tools that keep you audit-ready.
From strategy and compliance architecture to launch and scaling. One accountable team across the entire product lifecycle.
FinTech Consulting & MVP Strategy
Product discovery, regulatory scoping, and a validated MVP roadmap that de-risks your launch.
Custom App Development
Native iOS/Android or cross-platform Flutter & React Native apps engineered for performance.
FinTech UI/UX Design
Conversion-focused, accessible interfaces that make complex finance feel effortless and trustworthy.
API & Banking Integrations
Open Banking, payment gateways, KYC providers, and core-banking connections built to spec.
AI & Data Engineering
Fraud detection, credit models, robo-advisory, and conversational banking with explainable AI.
Legacy Modernization
Re-platform and migrate legacy financial systems to secure, cloud-native architectures with zero downtime.
Security Testing & QA
VAPT, code audits, and automated test suites so every release ships secure and stable.
Support & Maintenance
24/7 monitoring, patches, and feature releases under clear SLAs after go-live.
Cloud & DevOps
Auto-scaling AWS/GCP/Azure infrastructure, CI/CD, and observability tuned for financial workloads.
We architect every fintech product around a zero-trust security model and the regulatory frameworks your market demands, so you can pass audits, win banking partners, and earn customer trust from launch day.
AES-256 & TLS 1.3 Encryption
Data encrypted at rest and in transit, with tokenization of all sensitive card and account data.
Biometric & MFA Authentication
Face/Touch ID, device binding, and adaptive multi-factor auth to stop account takeover.
Real-Time Fraud Detection
AI models flag anomalies and block suspicious transactions before they settle.
Full Audit Trails
Immutable logs and reporting for every action, ready for regulators and partners.
A proven, compliance-first delivery model that gets you to a secure launch, fast, transparently, and without surprises.
We map your business model, target markets, and the exact regulatory requirements, defining the compliance and security blueprint before a line of code.
Clickable prototypes plus a scalable, zero-trust system design covering data flows, integrations, and infrastructure.
Two-week sprints with a working prototype by week 3, so you validate features early and steer the build with confidence.
Penetration testing, code audits, and automated regression suites. Every release is verified secure and stable.
App Store and Play Store submission, banking-partner sign-off, and a monitored, staged production rollout.
24/7 monitoring, performance tuning, new features, and ongoing compliance re-certification as you grow.
Battle-tested tools chosen for security, performance, and regulatory reliability.
A partner that treats trust, security, and speed as the same priority.
We've delivered regulated, security-critical platforms, so PCI-DSS, PSD2, and KYC/AML are second nature, not a learning curve on your dime.
A working prototype in week 3 and a compliant MVP in 12 weeks, fast delivery that never trades away security or auditability.
Clear, fixed-price proposals after a free scoping session. No hourly billing surprises, no scope-creep invoices.
200+ products shipped across 15+ countries, with region-specific compliance expertise for the US, UK, EU, and India.
In-house AI/ML team for fraud detection, credit scoring, and robo-advisory, a real edge in modern financial products.
90 days of free post-launch support and dedicated teams that scale with you. We're invested in your growth, not just the launch.
The global fintech market is projected to surpass $1.5 trillion in revenue by 2030, driven by embedded finance, real-time payments, and AI-powered banking. The winners will be the products that pair delightful experiences with uncompromising security. That's exactly what we build.
Building for a specific vertical? Explore our FinTech industry solutions for sector-specific use cases, or talk to us about your product.
Projected fintech revenue by 2030
Of consumers use a fintech app monthly
Faster payments with real-time rails
Of fraud caught earlier with AI models
Tell us about your idea. You'll get a response within 24 hours, a free scoping session, and a clear, fixed-price roadmap, with no obligation.
Book a free scoping session. We'll map your platform, define the compliance path, estimate the exact timeline, and show you a relevant case study, with no commitment required.