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Secure, Compliant Financial Products People Trust With Their Money.
We build banking apps, payment systems, lending platforms, and investment products for banks, fintechs, and financial institutions, engineered for security, regulatory compliance, and the reliability that money demands.
Trusted by teams building what's next
Financial products are judged on two things at once: whether they feel as quick and clear as the best consumer apps, and whether they hold up under the scrutiny of auditors, regulators and attackers. Most institutions carry a third constraint, a core banking or policy system that cannot be switched off. The result is slow product launches, manual reconciliation and customer journeys that stall at onboarding.
As a fintech software development company, we design around the money flow rather than the screen: how a customer is verified, how a balance moves through the ledger, how a transaction is authorised, settled and reconciled, and how every step is evidenced. That map shapes everything from a neobank app to a multi-entity lending platform, and it is what keeps compliance from becoming a late-stage review.
Integration is treated as a first-class feature. Our platforms connect to core banking systems such as Temenos, Mambu and Finastra, to payment providers including Stripe, Adyen, Razorpay and Network International, to KYC providers such as Onfido and Sumsub, and to open banking and real-time rails including UPI, SEPA and Faster Payments, so new products work with the infrastructure you already run.
Security, audit trails and segregation of duties are engineered in from the first sprint to support PCI DSS, PSD2 and SCA, AML and KYC obligations, GDPR, and the supervisory expectations of the FCA, RBI, SAMA and CBUAE. The outcome is custom financial software that customers trust, operations teams can reconcile, and your compliance function can evidence to any assessor.
We connect to Temenos, Mambu, Finastra and Thought Machine through their APIs, and build integration layers for cores that expose only batch files or message queues.
Card acquiring, SEPA, Faster Payments, UPI, SWIFT and ISO 20022 messaging, with idempotent processing, retries and reconciliation designed for the failure modes each rail actually has.
Role-based access, encryption, tamper-evident audit logs, maker-checker approvals and data-retention controls are part of the architecture, with artefacts your PCI QSA, auditor or regulator can review.
Document capture, liveness checks, sanctions and PEP screening and risk-tiered limits integrated with Onfido, Sumsub or Jumio, tuned so genuine customers finish in minutes.
Fraud scoring, credit decisioning support, document extraction and customer assistants with explainability, human review and model governance that stands up to supervisory questions.
Banks cannot pause for a release. We migrate products, accounts and balances with reconciliation at every step and cut over channel by channel so customers notice nothing.
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Products delivered
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Years of engineering
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Client satisfaction
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Industries served
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Countries with live products
Each one designed with your teams, integrated with the systems you already run, and engineered to scale.
Mobile and web banking with onboarding, accounts, transfers, and cards.
Payment gateways, processing, POS, and subscription billing.
Loan origination, credit decisioning, servicing, and collections.
Portfolio management, robo-advice, and investor portals.
Quoting, policy administration, and digital claims.
Real-time transaction monitoring and AI-driven risk scoring.
Each specialist area has its own page with solutions, features, compliance and FAQs.
The product categories banking & financial services organisations most often ask us to build, from focused mobile apps to multi-tenant platforms.
Mobile and web banking with onboarding, accounts, transfers, cards, statements and in-app support, integrated with the core.
Account, product and double-entry ledger systems, or modern layers over existing cores, for banks, EMIs and fintechs.
Multi-provider routing, tokenisation, 3-D Secure, settlement and merchant dashboards for platforms and payment companies.
Stored-value wallets with P2P transfers, QR and NFC payments, tiered KYC and programme management.
Applications, decisioning, disbursement, repayment schedules and collections for retail, SME and embedded lending.
Point-of-sale instalments, merchant integration and risk controls for checkout financing and finance inside non-financial apps.
Portfolio construction, rebalancing, client portals and adviser workstations with suitability records.
Market data, order management, risk checks and back-office processing for equities, FX and multi-asset brokers.
Quote and bind, policy administration, claims and broker portals for carriers, MGAs and intermediaries.
Transaction monitoring, case management, sanctions screening and regulatory reporting built around your risk framework.
Grouped by who uses them. Every feature below is one we have shipped to production, not a wishlist.
What account holders use every day.
Built for the teams who review, approve and investigate.
Control and visibility for the people running the institution.
The problems we most often help banking & financial services organisations solve, and design every engagement around.
PCI DSS, PSD2 and SCA, AML and KYC, GDPR and national supervisors each shape features, data flows and evidence, and the rules differ by product and by market.
Financial platforms are permanent targets. Account takeover, synthetic identities, social engineering and payment fraud need layered defences and real-time monitoring rather than a single control.
Ageing core banking and policy platforms slow new product launches, limit real-time features and force teams to work around batch cycles and brittle interfaces.
Customers compare every financial app with the best consumer apps they use. Slow onboarding, unclear fees or a confusing transfer flow sends them to a competitor.
Balances, settlements, fees and refunds across providers must reconcile exactly. Manual matching creates breaks, delays month-end and hides losses until they are large.
Real products designed and engineered by Creuto end to end, with the operational depth banking & financial services projects demand.
A complete, end-to-end HR and payroll platform covering employee onboarding to exit, attendance, leave, payroll processing, compliance, and reporting — built and delivered by Creuto from scratch.
5×
Faster Payroll Processing
20 wk
Time to Market
5
User Roles
A complete Before-Sales and After-Sales CRM platform — AI-powered market insights, Kanban pipeline management, complaint tracking, and role-based dashboards built and delivered by Creuto end to end.
2
CRM Modules (Before & After)
AI
Market Intelligence Engine
360°
Customer Lifecycle Coverage
A fully custom, browser-based ERP system built to unify every department, eliminate silos, and scale with the business — designed and delivered by Creuto end to end.
4
Departments Unified
1
Source of Truth
100%
Browser-Based Access
The banking & financial services standards we build against and the controls behind them. Your compliance team keeps ownership; we make the software easy to certify.
The platforms, standards and third-party services a product in this sector usually has to talk to. If yours is not listed, it is almost certainly something we have connected before.
The reasons clients in this sector give when they recommend us, not the ones we would pick ourselves.
Either we build it exceptional, or we don't.
The standard every banking & financial services product leaves our studio with.
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Products delivered
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Years of engineering
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Client satisfaction
Discovery is run by people who know ledgers, settlement cycles, scheme rules and supervisory expectations, so requirements are right the first time.
Core banking, payment rail, KYC and credit bureau integrations are something we build regularly, including with systems that only expose batch files.
We deliver the architecture diagrams, access matrices, audit designs and test evidence your QSA, auditor or regulator asks for.
We measure success by onboarding completion, transaction success rates and support contact rates, and design every screen to earn confidence.
Monitoring, scheme updates, regulatory change and a measured roadmap keep the product compliant and competitive long after launch.
What organisations in this sector gain when the software is built around their workflows rather than the other way around.
Digital identity checks and well-sequenced flows get genuine customers to a funded account in minutes rather than days.
Self-service, automation and straight-through processing reduce branch, call centre and back-office effort per customer.
A consistent ledger and automated matching across providers cut manual investigation and close the books sooner.
Real-time monitoring, device intelligence and step-up authentication stop more bad transactions without blocking good ones.
A modern layer over the core lets product teams ship new accounts, cards and offers without waiting for the legacy release cycle.
Access logs, approvals and evidence are generated as the system runs, so examinations and certifications take less effort.
Transparent, sprint-based and built around decisions you can see. You know what ships, when, and why at every step.
Start Your ProjectWe map the money flow, the licence you operate under, the regulators in scope and the measurable outcomes, from onboarding conversion to settlement time, that the product exists to improve.
Ledger model, integration points, hosting region, key management, access model and the controls each regulation requires are documented before design, so compliance is a property of the system.
Clickable prototypes are tested with real customers and operations staff, including edge cases such as failed payments, declined KYC and disputed transactions.
Two-week sprints with working software reviewed by your product, risk and compliance leads. Integrations are built against sandbox core, payment and KYC environments early.
Automated tests, reconciliation checks, scheme certification support, load testing for peak days and a penetration test before go-live.
Staged rollout by customer segment or channel with monitoring, incident runbooks and a roadmap driven by adoption, fraud and cost-to-serve data.
Chosen per project for longevity, hiring depth and fit with your existing systems, never by fashion.
AI IN BANKING & FINANCIAL SERVICES
We embed AI into financial products where it catches risk earlier, removes manual review or answers customers faster, always with explainability, human oversight and the model governance your regulator expects.
Explore our AI engineeringThe shifts we design for so a product launched this year is still the right product in three.
Instant rails such as UPI, SEPA Instant, FedNow and Faster Payments make 24/7 settlement, instant fraud checks and real-time ledgers a baseline expectation.
SWIFT and domestic high-value systems are moving to structured ISO 20022 messages, which changes data models, screening and reconciliation across the stack.
Account aggregation, pay-by-bank and finance embedded in non-financial apps turn APIs into products and raise the bar for consent and security.
Models now score transactions, assist underwriting and answer customers, with regulators asking for explainability, bias testing and human oversight.
SCA, passkeys and shifting liability for authorised push payment fraud push institutions towards device intelligence and behavioural signals.
The UAE, Saudi Arabia and India require financial data to stay in-country and digital products to be licensed locally, shaping hosting and architecture early.
There is no honest single number. Scope, integrations and compliance drive the budget, so we price against a written scope after discovery. The factors below are what move it.
A single customer app is a smaller build than customer, operations and admin products sharing one platform.
Each core, payment provider, KYC vendor, bureau or scheme adds analysis, sandbox access, mapping, certification and testing effort.
Multi-market compliance, scheme certification and audit evidence add design, documentation and review work.
Building or replacing a ledger, instant rails and real-time fraud checks need more infrastructure and testing than forms and reports.
Moving accounts, balances and history from legacy systems with reconciliation at every step is a project in its own right.
Fraud and credit models, evaluation, governance and human review loops add effort beyond standard reporting.
| Engagement | Typical scope | Timeline |
|---|---|---|
| Validation MVP | One customer journey such as onboarding and accounts or a single payment flow, one integration, compliance foundations. | 10 to 14 weeks |
| Production platform | Customer app, operations and admin consoles, core, payment and KYC integrations, monitoring and audit. | 4 to 7 months |
| Enterprise or multi-entity | Multi-brand or multi-country platform, ledger migration, multiple rails and providers, analytics and AI. | 8 to 14 months, phased |
Revenue models we have built billing, reporting and growth loops for. Most products combine two or three.
Revenue on card spend, payment processing and transfers, priced per transaction or as a percentage of value.
Monthly plans for premium accounts, business banking features or merchant tooling.
Income from deposits, loans, BNPL and overdrafts, with risk-based pricing per product.
Banking-as-a-service, white-label and enterprise licences with implementation and support fees.
Referral and distribution fees for insurance, investments, FX and partner products inside the app.
The engineering disciplines every project in this sector draws on. Each has its own page with process, stack and FAQs.
Founders and product leaders on what it is like to build with Creuto.
“Their services were excellent.”
Creuto delivered a web and mobile app that exceeded the client's expectations. The team was highly responsive and punctual from a workflow standpoint, and internal stakeholders praised the service provider's collaborative nature and agility.
Emma Richardson
CEO, Emion
More client voices
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Straight answers about banking & financial services software projects. If yours is not here, ask us directly.
Ask our banking & financial services teamIt depends on the products and user roles in scope, the core, payment and KYC integrations required, the regulations and markets you operate in, and whether you need a ledger or real-time rails. A validation MVP is a materially smaller investment than a multi-entity banking platform. After a short discovery we provide a fixed-scope proposal with a clear breakdown rather than a single headline figure.
A validation MVP typically takes 10 to 14 weeks. A production platform with a customer app, operations and admin consoles and core, payment and KYC integrations usually takes four to seven months. Enterprise or multi-entity platforms with ledger migration are delivered in phases over eight to fourteen months.
Yes. We design payment flows to minimise PCI scope using hosted fields, tokenisation and certified processors, apply the controls PCI DSS v4.0 requires to anything that remains in scope, and provide the architecture and test evidence your QSA needs for the assessment.
Yes. We integrate with Temenos, Mambu, Finastra, Thought Machine, Oracle FLEXCUBE and other cores through their APIs or middleware, and build integration layers for systems that expose only batch files or message queues. We work against sandbox environments from the first sprints so cutover is predictable.
App development usually refers to the customer-facing mobile and web applications. Fintech software development covers the whole system: those apps plus the ledger, integrations, operations and compliance tooling, admin console and the security controls behind them. We deliver both, as one connected product.
Yes. We integrate identity verification, liveness, sanctions and PEP screening and transaction monitoring providers such as Onfido, Sumsub and Jumio into onboarding and operations, build the case management and reporting workflows around them, and tune risk tiers and limits with your compliance team.
Yes. We help startups validate and launch a focused MVP quickly, then scale it with the security, audit trails and documentation that banking partners, regulators and enterprise buyers expect during licensing and procurement. We also advise on which capabilities to buy from a banking-as-a-service provider and which to build.
We sign NDAs before discovery as standard. Hosting region is your choice: we deploy to AWS, Azure or Google Cloud regions that satisfy data-residency rules in the US, EU, UK, UAE, Saudi Arabia and India, or on-premise where your regulator requires it.
Tell us what you are building. We will help you scope it, design it, and ship it, with a senior team accountable end to end.
