15+
Years of Experience
Banking & Finance Software Development
AI-first engineering for banking and finance: fraud scoring and credit-risk models inside digital banking apps, lending cores, KYC/AML automation and payment rails built for audit-grade compliance and launch on a fixed quote.
- 2010
- Operating since
- 9,000+
- Projects delivered
- 3,900+
- Apps published
- 120+
- AI products shipped
Trusted by the brands we build for
90+
Fintech Projects Delivered
99.99%
Transaction Platform Uptime
25+
Countries Served
Banking & finance solutions we build
From retail banking to capital markets, the modules that ship on day one.
Digital banking apps
Accounts, cards, transfers, and statements in one polished app. The features that drive support calls, disputes, limits, card freezes, are self-served, which is where the cost savings live.
- ✓Onboarding & eKYC Flows
- ✓Cards: Freeze, Limits, Virtual
- ✓Transfers & Scheduled Payments
- ✓Statements & Tax Documents
- ✓In-App Dispute Filing
Lending & credit platforms
Origination, underwriting, disbursal, and collections on one core. Risk models score applications with explainable outputs, so your credit committee can defend every decision.
- ✓Loan Origination & Document Capture
- ✓Rules-Based & ML Underwriting
- ✓Disbursal & Repayment Schedules
- ✓Collections & Delinquency Workflows
- ✓Credit Bureau Integrations
Payments & rails
Local rails, cards, and open-banking APIs behind one integration layer. Idempotent processing and reconciliation exports mean every cent is accounted for at close of day.
- ✓Card & Bank Transfer Processing
- ✓Open Banking / PSD2 APIs
- ✓Idempotent Transaction Handling
- ✓Settlement & Reconciliation Exports
- ✓Multi-Currency Support
KYC / AML & compliance
Identity verification, sanctions screening, and transaction monitoring built in. Compliance runs as platform infrastructure with audit-ready records, not a manual checklist.
- ✓Identity & Document Verification
- ✓Sanctions & PEP Screening
- ✓Transaction Monitoring Rules
- ✓Suspicious Activity Case Files
- ✓Regulator-Ready Reporting
Wealth & investment modules
Portfolios, KYC-gated onboarding, and execution workflows for brokers and advisors. Clients see positions and performance they trust, and your operations team sees clean books.
- ✓Portfolio & Position Tracking
- ✓Order & Execution Workflows
- ✓Advisory & Robo-Flows
- ✓Fee & Commission Engines
- ✓Performance & Tax Reporting
Core & legacy integration
Bridges to core banking systems without breaking a single ledger entry. The core stays the system of record while digital channels modernize around it.
- ✓Core Banking Connectors (REST/SOAP)
- ✓Ledger Synchronization
- ✓Batch File Processing
- ✓Event-Driven Middleware
- ✓Parallel-Run Reconciliation
A complete financial stack across every surface
Customers, back office, and compliance, each with purpose-built tooling.
Customer banking app
The daily touchpoint that decides retention. We engineer the moments that matter, failed transfers, lost cards, disputed charges, into two-tap self-service flows with honest status at every step.
- ✓Onboarding & eKYC
- ✓Accounts, Cards & Transfers
- ✓Bill Pay & Scheduled Payments
- ✓Card Controls & Virtual Cards
- ✓In-App Support & Disputes
- ✓Biometric Login & Device Binding
Operations & branch console
Where the back office runs. Approvals, exceptions, and investigations live in one queue with full audit trails, so a regulator's question is a report export, not a digging project.
- ✓Approval & Exception Queues
- ✓Customer 360 View
- ✓Transaction Investigation Tooling
- ✓Reconciliation Dashboards
- ✓Document & Records Management
- ✓Role-Based Access Controls
Compliance & admin console
The regulator-facing backbone. KYC/AML screening, monitoring rules, and reporting exports operate from one console, because financial software fails compliance before it fails technically.
- ✓KYC/AML Screening Workflows
- ✓Transaction Monitoring Rule Editor
- ✓Case Management & SAR Filing Support
- ✓Regulatory Report Exports
- ✓Policy & Limits Configuration
- ✓Immutable Audit Logs
revenue model
How your banking platform earns
Admin-configurable levers include account and card fee schedules, interchange on card spend, FX spreads on cross-currency transfers, interest margins on lending books, subscription tiers for premium accounts, and API access fees for open-banking partners. Each line is metered inside the platform, so per-segment pricing experiments run without engineering tickets.
On the cost side, self-service onboarding, automated KYC/AML screening, and straight-through payments processing cut the per-account operating cost that decides whether a digital bank scales profitably. We baseline your current numbers in discovery and report against them at handover.
Every build ships with
Standard on every financial platform we deliver.
100% Source-code ownership
The full codebase, rules engine, and integration layer transfer to you. No per-transaction royalties, no vendor lock-in on your own money movement.
Audit-grade records
Immutable audit logs, idempotent transaction handling, and reconciliation exports generated as a byproduct of normal operation.
White-label & store submission
Branded apps submitted to the App Store and Play Store under your name, with banking-grade security review before release.
Support beyond handover
60 days of dedicated post-launch support and 12 months of updates. Ready-made foundations deploy on your branding in 6 working days.
Financial projects that balanced the books
Tipsyryde
An alcohol delivery super app with real-time order tracking, live driver updates, and age-verification gating at checkout. We engineered the dispatch logic, payment flows, and compliance checks across the driver and customer apps. It has since passed 1.5M+ downloads with an 18-minute average pickup time.
1.5M+
Downloads
18 min
Avg Pickup Time
4.8/5
App Rating
Etihad Airways
A travel companion app with in-flight entertainment and live content delivery. We built the content pipeline and offline-first playback that works at altitude on constrained connectivity. The app now engages 1M+ monthly users with 40% higher engagement.
1M+
Monthly Users
40%
Higher Engagement
4.6/5
App Rating
Flyereats
A food delivery platform handling live order streaming and multi-restaurant management. Our engineers built the order state machine, courier routing, and merchant dashboard that keep thousands of concurrent orders in sync. The result was 32% faster deliveries across 2M+ completed orders.
2M+
Orders Delivered
32%
Faster Delivery
4.7/5
App Rating
How a banking platform build runs
Compliance-shaped delivery for systems that move money.
- 01
Discovery & regulatory mapping
We map your licenses, jurisdictions and product scope first, because the compliance layer shapes the architecture from the first sprint.
✓ step 01 complete - 02
Architecture & core integration
Core banking bridges, payment rails and ledger reconciliation designed up front, with system-of-record ownership pinned per record type.
✓ step 02 complete - 03
Agile build sprints
Two-week sprints with demo builds, security checklists on every release and idempotent transaction flows tested in CI.
✓ step 03 complete - 04
Security & compliance testing
Penetration testing, reconciliation validation and compliance walkthroughs with your team before any real money moves.
✓ step 04 complete - 05
Phased launch & support
Cohort-by-cohort rollout with 60 days of dedicated post-launch support and 12 months of updates.
✓ step 05 complete
The stack behind our banking platforms
Money-grade engineering from ledger to login.
Payments & ledger
Double-entry ledgers, idempotent payment processing and reconciliation exports, patterns proven in our fintech app development work.
Core integration
REST, SOAP and messaging bridges to core banking, card processors and open-banking gateways.
Identity & compliance
eKYC, sanctions screening and transaction monitoring integrations with audit-ready trails.
AI & risk
Fraud scoring, credit-risk models and AML anomaly detection from our AI development services practice.
Mobile & web
Customer apps on Swift, Kotlin and Flutter; operations consoles on React and Next.js.
Cloud & security
Multi-region AWS and Azure deployments, encryption everywhere, HSM-backed key management options.
/09
Why choose Moxace for banking & finance software
We have built for lenders, payment companies and neobanks where a broken ledger is an existential event.
Regulatory fluency
KYC/AML, PSD2-style open banking, and jurisdiction-specific disclosure rules are designed into the platform, so entering a new market is configuration rather than re-architecture.
Ledger discipline
Double-entry accounting, exactly-once processing, and reconciliation by design. If the books cannot be balanced to the cent, the feature does not ship.
Core system respect
We integrate with your core banking or payment processor rather than forking it, keeping the system of record authoritative while channels modernize.
Fraud defense built in
Scoring models and monitoring rules engineered into the transaction flow, where they can actually block something, not bolted on beside it.
Consumer-grade UX
Banking apps live or die on the worst-day flows, and we design disputes, freezes, and failed transfers with the same care as onboarding.
Fixed quotes and written dates
Every increment is scoped and priced before work starts, with 60 days of post-launch support and 12 months of updates included on delivery.
FAQ's
$ moxace launch --nowReady to build a banking platform that survives audit?
Get a free compliance-aware architecture review and build roadmap from our team.
- 01
Share your idea
a quick call, no deck required
- 02
See the live demo
every screen, admin to user
- 03
Launch with source
full code, your brand, your servers
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