Fintech & Payment Innovation
FinTech & Banking Software Development Services
Digital transformation is redefining how financial institutions and FinTech companies innovate, scale, and protect their ecosystems. We design custom financial software that integrates AI, blockchain, and cloud technologies, ensuring PCI DSS compliance, data security, and interoperability across platforms.
From digital banking apps to payment systems and regulatory compliance solutions, our teams build reliable, scalable products that power the next generation of financial innovation.
Fintech & banking solutions
Our FinTech and banking software development services cover every core area of modern financial technology. Built for interoperability, scalability, and regulatory compliance, they help banks, PSPs, and FinTech innovators enhance security and accelerate digital transformation. From AI-powered underwriting to real-time payment systems and financial analytics dashboards, we deliver compliant ecosystems that drive innovation and growth.
Compliance and security
Ensure full compliance and data protection with advanced tools that meet PCI DSS 4.0, SOC 2, and GDPR standards. We safeguard every transaction through encryption, monitoring, and audit-ready reporting for regulated financial environments.
AI-driven underwriting
Accelerate merchant onboarding with AI-powered underwriting software that automates credit scoring, risk evaluation, and KYC workflows. Our systems reduce manual checks, improve decision accuracy, and ensure regulatory compliance through explainable, data-driven models.
Digital payments
Build scalable payment gateway solutions and digital wallet platforms that support cards, instant transfers and cross-border transactions. Our fraud-resistant infrastructure enables secure, real-time payment processing with authorization, settlement, and full transparency.
AI-powered analytics
Turn data into strategy with real-time analytics and machine-learning insights.
From predictive modeling to behavioral risk analysis, our dashboards empower financial leaders to make faster, evidence-based decisions.
AI-based risk analysis
Mitigate threats instantly through AI-driven anomaly detection and adaptive scoring systems. Identify suspicious behavior, assess exposure, and prevent fraud in milliseconds, before it impacts your business.
Blockchain integration
Enhance transparency and efficiency with blockchain-based financial workflows.
From secure settlements to tokenization and cross-border payments, we build tamper-proof, auditable transaction ledgers.
Cloud infrastructure
Adopt a secure, scalable cloud architecture for high-availability financial operations. Built on AWS EKS and Kubernetes, our microservices infrastructure ensures elasticity, resilience, and 99.99 % uptime.
Engagement and retention
Drive long-term growth through personalized digital experiences and intelligent loyalty programs. We help banks and fintechs increase customer lifetime value with targeted rewards, data insights, and omnichannel engagement.
GivePayments, developed by Lasting Dynamics, is a next-generation payment platform built for speed, compliance, and scalability.
It streamlines merchant onboarding, accelerates approvals, and enhances AI-driven fraud prevention through real-time analytics. Fully PCI DSS 4.0 Level 1 compliant, it empowers providers to manage transactions securely and efficiently across global markets.
View full case study
PROBLEM
GivePayments needed to launch a cloud-native payment platform capable of supporting multiple providers and sub-merchants while maintaining PCI DSS 4.0 compliance and ensuring real-time fraud detection without latency.
SOLUTION
Lasting Dynamics engineered a modular, microservices-based payment stack.
Through an acquirer portal, providers can manage entire merchant portfolios, perform reconciliation, and configure transaction rules - all within a secure, scalable environment.
RESULTS
Every transaction is analyzed as it happens, using behavioral and data-driven indicators to detect and flag anomalies before funds are processed.
The system achieved millisecond-level response times, 99.99% uptime, and full audit readiness for international compliance.
PCI DSS4
Level 1 Compliant
Real Time
Transaction Screening
“Lasting Dynamics is incredibly unique in that they provide a team that does not feel like temporary resources but rather permanent employees.
Once a team is allotted to your Company, they work almost exclusively on your projects. The CEO, Michele, is extremely knowledgable and is closely involved in helping set up the team, set goals, create development strategies and much more. We couldn't have asked for a better partner and feel very fortunate to have found them.”
CTO @ GiveCorp
Payment platforms
& digital wallets
Empowering modern payments with PCI DSS 4.0 compliance
We design and develop universal payment ecosystems for acquirers, PSPs, and FinTech providers, enabling secure, high-performance financial operations.
These platforms manage complex hierarchies of providers, merchants, and sub-merchants through a robust acquirer portal that centralizes configuration, settlement, and analytics — ensuring full PCI DSS 4.0 compliance and operational transparency.
Our digital payment solutions combine scalability, security, and interoperability.
From real-time transaction processing to API-driven integrations and configurable reporting, we help financial institutions streamline workflows, enhance user experience, and accelerate time to market.
Merchant onboarding & sub‑merchant hierarchies
Simplify signup, verification, and payouts with automated KYC/KYB workflows.
Empower merchants and marketplaces to manage multi-tier structures with full visibility and control.
Merchant onboarding & sub‑merchant hierarchies
Simplify signup, verification, and payouts with automated KYC/KYB workflows.
Empower merchants and marketplaces to manage multi-tier structures with full visibility and control.
Plug‑and‑play integration
Modern REST and webhook APIs enable fast connection to core banking systems, accounting platforms, and third-party fintech services. Open banking–ready architecture ensures interoperability across financial ecosystems.
Configurable reporting
Generate custom financial reports to track fees, settlements, and chargebacks in real time. Our visual dashboards and automated exports deliver full transparency for acquirers and compliance teams.
Fraud Detection & AI Analytics
Intelligent systems that protect every transaction
Our AI-powered fraud detection software combines supervised and unsupervised learning to score transactions in milliseconds, automatically flag anomalies, and adapt to emerging fraud patterns.
Integrated dashboards provide full visibility into risk exposure, while machine-learning models evolve through continuous learning to minimize false positives.
We help banks, PSPs, and fintech platforms implement real-time analytics, credit scoring, and predictive models that cut fraud losses by up to 70% and optimize revenue assurance.
We help banks, PSPs, and fintech platforms implement real-time analytics, credit scoring, and predictive models that cut fraud losses by up to 70% and optimize revenue assurance.
Anomaly detection
Identify unusual spending behavior, device fingerprints, and geolocation inconsistencies in real time.
Continuous learning
ML models automatically retrain on fresh data to adapt to new fraud tactics and transaction trends.
Explainable AI
Provide transparent insights for compliance teams to understand why specific transactions were flagged.
Risk dashboards
Visualize fraud attempts, false-positive rates, and model performance metrics in a single secure interface.
Interoperability & modern technology stack
Modern healthcare demands modular, scalable technology. We build platforms using a stack designed for performance, interoperability and future‑proofing.
Data management & APIs
We implement PostgreSQL for transaction-level data storage, Prisma ORM for integrity, and GraphQL APIs for unified access across modules.
This ensures consistent, high-performance data flow between acquirers, providers, and merchants in secure financial environments.
AI & analytics frameworks
For advanced fraud detection and business intelligence, we integrate Python, TensorFlow, and PyTorch into our analytics pipelines. Machine-learning models score transactions in milliseconds, powering smart underwriting and proactive risk management across FinTech ecosystems.
Modular microservices & cloud infrastructure
Our platforms use a modular microservices architecture for FinTech and banking software development, ensuring scalability and compliance.
Built with Node.js, NestJS, and TypeScript, deployed on AWS, Azure, and Kubernetes clusters for high availability, resilience, and 99.99% uptime.
Front‑end frameworks
Our portals and dashboards are built with React, Next.js, and React Native, delivering fast, unified experiences across web and mobile. With secure authentication, responsive design, and real-time updates, financial institutions can manage operations seamlessly from any device.
Navigating compliance shouldn’t slow innovation
We design financial compliance software that embeds regulatory alignment at every layer, helping FinTechs, PSPs, and banks meet global standards while maintaining agility and performance.
Our GivePayments platform is PCI DSS 4.0 Level 4 compliant, ensuring secure card transactions and data protection across jurisdictions.
We also adhere to SOC 2, CCPA, and GDPR frameworks, delivering audited, enterprise-grade infrastructure trusted by leading financial institutions worldwide. Automated workflows, audit trails, and real-time reporting dashboards simplify external reviews and reduce compliance overhead, giving your teams more time to focus on innovation.
We also adhere to SOC 2, CCPA, and GDPR frameworks, delivering audited, enterprise-grade infrastructure trusted by leading financial institutions worldwide. Automated workflows, audit trails, and real-time reporting dashboards simplify external reviews and reduce compliance overhead, giving your teams more time to focus on innovation.
PCI DSS Compliant:
Adhering to the Payment Card Industry Data Security Standard (PCI DSS 4.0), Lasting Dynamics ensures secure payment processing, encryption, and continuous threat monitoring.
SOC 2 Compliance:
Our systems meet SOC 2 Type II criteria for security, availability, and data integrity - verified through regular audits and transparency reporting.
CCPA Compliant:
We uphold the privacy rights of U.S. users under the California Consumer Privacy Act, ensuring data collection and storage meet the strictest consumer protection laws.
GDPR Compliant:
All operations align with the General Data Protection Regulation (GDPR), guaranteeing user consent, right-to-erasure compliance, and end-to-end data protection within the EU.
Merchant & provider management
Our acquirer portal is built for multi-tiered financial ecosystems, where organizations, providers, and merchants coexist under one secure environment. Each entity operates independently yet remains interconnected for transparency, compliance, and automated reporting.
ONBOARDING MERCHANTS
A streamlined process that verifies businesses through integrated KYC/KYB, document validation, and credit scoring tools. Intelligent automation reduces manual steps, ensuring compliance with PCI DSS 4.0, SOC 2, and PSD2 while accelerating merchant activation.
UNDERWRITING
A dedicated module consolidates AI-powered risk analysis, behavioral scoring, and compliance checks into an automated underwriting system. Automated screenings against OFAC, PEP, and other databases ensure rapid, compliant approvals with a complete audit trail for regulators.
PORTFOLIO OVERVIEW
Acquirers can manage thousands of providers and merchants through nested dashboards within a merchant management platform. They can visualize performance metrics, monitor transaction health in real time, and configure rule-based alerts for chargebacks, velocity limits, and anomalies to enhance operational efficiency.
SECURE, ENCRYPTED & SOMETHING ELSE
Blockchain & distributed ledger technology
Blockchain and distributed ledger technologies are transforming settlements, asset tokenization, and cross-border payments. Our team has deep expertise in building smart contracts, token-based systems, and decentralized payment infrastructures that ensure transparency and traceability across financial workflows.
By integrating DLT frameworks into your operations, you gain enhanced security, efficiency, and trust. It eliminates intermediaries, reduces operational costs, and enables real-time transaction verification through an immutable ledger designed for regulated financial environments.
Discover more
INDUSTRY EXPERTISE
Why fintech companies choose Lasting Dynamics?
Lasting Dynamics has delivered 50+ SaaS and fintech platforms across 20+ industries. Our cross-industry expertise, agile methodology, and focus on compliance make us a trusted technology partner for banks, fintech companies, and payment providers worldwide.
Cross‑industry perspective
Insights from finance, healthcare, and defense help us anticipate regulatory changes and adapt emerging technologies across sectors.
Dedicated teams
Collaborate with a stable, in-house team that integrates seamlessly with your workflows - from UI/UX designers to DevSecOps engineers, ensuring security-driven development.
Co‑creation & agility
We adopt iterative development, frequent demos, and transparent communication to ensure alignment and fast delivery.
Global Presence & Support
Our multilingual teams understand regional regulations, data protection laws, and local compliance standards across global markets.
Full Lifecycle Services
From discovery workshops and UI/UX design to development, testing, and maintenance, we manage the entire software lifecycle - enabling clients to focus on business growth while we handle the technology.
Ready to build the
future of fintech?
Partner with us to design AI-driven banking platforms and FinTech solutions that scale.
83% faster data processing | 10M+ downloads | 100% test case completion
Trusted by leading fintech innovators
Our approach to custom software development
We provide UI/UX design, front-end and back-end development, and QA services to build custom, high-performance software solutions. Each product is designed with scalability, accessibility, and maintainability in mind -ensuring long-term business impact and seamless integration into your digital ecosystem.
We craft intuitive user interfaces and engaging digital experiences through data-driven UX design. Our process blends user research, wireframing, and interactive prototyping to create products that are both functional and visually compelling, ensuring seamless navigation across every device.
Discover more
We build scalable, high-performance front-end applications using React, Next.js, and TypeScript. Our engineers deliver responsive interfaces with optimized rendering, ensuring fast load times, cross-browser compatibility, and exceptional user experiences across platforms.
Discover more
We design robust, cloud-ready back-end architectures powered by Node.js, NestJS, and PostgreSQL. Our APIs and databases are built for security, scalability, and real-time data processing, ensuring consistent performance even under high transactional loads.
Discover more
We build scalable, high-performance front-end applications using React, Next.js, and TypeScript. Our engineers deliver responsive interfaces with optimized rendering, ensuring fast load times, cross-browser compatibility, and exceptional user experiences across platforms.
Discover more
UI/UX Design
Front-End Development
Back-End Development
Quality Assurance
Common questions about fintech & banking software development
If you’re planning to build a custom FinTech or banking platform, explore the key questions our clients ask - from regulatory compliance to development timelines and technology stacks. Each answer reflects our hands-on experience in financial software engineering.
What is the cost of developing a fintech platform?
Costs vary depending on scope, features and regulatory requirements. We offer flexible engagement models—from fixed‑price prototypes to dedicated teams—tailored to your budget and timeline.
How long does it take to build a payment or banking app?
Timelines depend on project complexity, integrations, and compliance scope.
Typically, MVPs are delivered within 3–6 months, while enterprise-grade systems require iterative releases for scalability.
What technologies do you use?
We use a modern tech stack including React, Node.js, NestJS, AWS, and Docker, ensuring secure, scalable, and high-performance solutions.
How do you ensure PCI DSS and SOC 2 compliance?
All fintech projects are developed following PCI DSS 4.0, SOC 2, and GDPR standards. Our audit-ready infrastructure and automated testing pipelines guarantee full compliance from design to deployment.
Can you integrate with legacy core banking systems?
Yes. We specialize in API-based integrations, allowing legacy systems to connect seamlessly with modern fintech platforms without downtime or data loss.
Do you offer dedicated FinTech development teams?
Yes. We provide dedicated development teams and staff augmentation models that integrate seamlessly with your internal workflows, offering full transparency, scalability, and technical ownership
Bring your project to life with us!
Start today building or scaling up your tech team with us, it takes only few weeks to start.
Contact us
