2010
Operating Since
15+ years shipping apps
Banking & Insurance Industry Software Development
Banks and insurers compete on trust, and trust is engineered: auditable ledgers, clean KYC/AML flows, claims experiences that do not feel like paperwork. We build digital banking fronts, policy administration, claims automation and compliance tooling that regulators can inspect line by line. You own 100% of the source code on delivery.
- 2010
- Operating since
- 9,000+
- Projects delivered
- 500+
- Engineers
- 100%
- Source-code ownership
Trusted by the brands we build for
Financial platforms built since 2010
Track record behind every banking and insurance engagement.
9,000+
Projects Delivered
across 35+ industries
3,900+
Apps Published
in 25+ countries
500+
Engineers
including 120+ AI specialists
insight
What banks and insurers need from software
Institutions in this sector need three things at once: customer experiences that match digital-native challengers, back-office automation that cuts cost per policy and per transaction, and a compliance layer that produces regulator-ready evidence as a byproduct of normal operation. Most legacy estates deliver one of the three.
The strategic question is who owns the customer. Institutions that rent their digital layer from a vendor platform lose the data, the fee income and the relationship. Owning the source code inverts that: every workflow improvement compounds into an asset on your balance sheet.
We build customer apps, agent and broker portals, claims and underwriting consoles, and the ledger and integration core underneath. For AI-heavy roadmap items, our AI development services practice covers fraud scoring, document intelligence and advisory models.
Features banking & insurance platforms need on day one
The capabilities regulators and customers both judge you by.
KYC / AML onboarding
Document capture, liveness checks, sanctions and PEP screening with tiered account capabilities. Every tier change is an explicit, logged transition.
Auditable transaction ledger
Double-entry posting with idempotent retries and reconciliation exports. Balances are views over journal entries, never numbers edited in place.
Claims intake & tracking
FNOL capture, document upload, adjuster workflows and status visibility for policyholders. Faster cycle times show up directly in retention.
Policy administration
Quoting, binding, endorsements, renewals and cancellations on one policy record. Product changes become configuration rather than code projects.
Fraud & risk scoring
AI-scored transactions and claims with explainable alerts your compliance team can act on and defend.
Payment rails & settlement
Card, bank-transfer and wallet integrations with settlement schedules and fee handling modeled as named rails.
Regulatory reporting
Report generation mapped to your regimes, with immutable audit logs behind every figure. The regulator conversation becomes answerable.
Omnichannel service
Branch, agent, app and contact-center views over the same customer record, so no channel contradicts another.
Who we build for in banking & insurance
Every desk in the institution gets tooling that earns its place.
Retail & digital banks
Mobile banking fronts, onboarding and card programs layered over legacy cores without a core replacement program.
Insurers & mGAs
Policy admin, claims automation and broker portals that cut expense ratios and shorten cycle times.
Lenders & credit unions
Origination, underwriting, servicing and collections on one auditable pipeline.
Brokers & wealth managers
Portfolio views, advisory workflows and disclosure-ready reporting across client books.
Insurance distributors & agents
Field apps for quotes, renewals and claims capture that work offline and sync cleanly.
Proof from platforms we have shipped
Canonical deployments from our own portfolio. Metrics are reported from live platforms, not projections.
Etihad Airways
A high-traffic consumer platform our team ships and operates at national-carrier scale, the same bar every build is held to.
1M+
Monthly Users
40%
Engagement Lift
PragPlay
A consumer platform from the same engineering system, proving the infrastructure core holds under real-time load with strict uptime demands.
500K+
Players
99.9%
Uptime
Marvel Studios
A high-volume consumer experience our team ships at global-release scale, the same discipline applied to every launch.
10M+
Streams
65%
Completion
How a banking or insurance build runs
Phased delivery for systems where a broken transaction is a headline.
- 01
Discovery & compliance mapping
We map your products, jurisdictions and regulatory obligations first, because the compliance layer shapes everything downstream.
✓ step 01 complete - 02
Architecture & controls design
Ledger structure, KYC tiers, reporting formats and integration rails designed with your compliance counsel in the loop.
✓ step 02 complete - 03
Agile build sprints
Two-week sprints with demo builds, security checklists on every release and idempotent money-movement paths.
✓ step 03 complete - 04
Load & security testing
Peak-volume simulation, penetration testing and reconciliation drills before any customer sees the new platform.
✓ step 04 complete - 05
Phased launch & support
Cohort-by-cohort rollout with post-launch support and product updates included.
✓ step 05 complete
insight
Industry dynamics that shape the build
Monetization in banking and insurance software comes from four levers: fee income on transactions and servicing, cross-sell driven by better customer data, loss reduction from fraud and claims automation, and cost-to-serve reductions from self-service. A platform built around these levers pays for itself; one built as a brochure does not.
Regulation keeps rising in both directions: more obligations, and more scrutiny of how you meet them. That is why we build compliance as infrastructure, KYC tiers, sanctions screening and immutable audit logs, rather than as a reporting add-on bolted on before an examination.
Every banking & insurance build ships with
Standard inclusions on every engagement. Nine things you never have to ask for.
100% source code, full IP
The complete unencrypted codebase transfers to you, with documentation and deployment scripts.
White-label branding
Your identity across customer apps, consoles and communications, plus your domains and store accounts.
Store submission and launch
App store and Play Console submissions handled end to end, with production monitoring switched on.
KYC & payment integrations
Identity providers, gateways and card issuers configured against your live accounts, with reconciliation wired in.
AI models Pre-tuned
Fraud scoring, document intelligence and personalization arrive configured for financial products.
Audit and reporting tooling
Immutable logs and regulator-ready report generation so compliance starts as a capability.
Multi-language and Multi-currency
Languages, currencies and tax-aware display configured for your markets during the launch window.
Scalable cloud infrastructure
Containerized services with isolated networking, autoscaling and queue-backed transaction intake.
Post-launch support and updates
Included support window plus product updates covering bug fixes, OS compatibility and version upgrades.
The stack behind our financial platforms
Stack choices here are risk decisions. We pick for security, auditability and regulator acceptance.
Languages
Kotlin, Swift, Java and TypeScript for products; Go and Java for high-throughput payment services.
Ledger and data
Double-entry ledger on PostgreSQL, Kafka for event streams, Redis for rate limiting and audited pipelines.
Payments and KYC
Integrations with Stripe, Adyen, Plaid, Onfido and regional identity and gateway providers.
AI and risk
Fraud scoring and document intelligence from our AI development services practice.
Cloud and devOps
AWS and Azure with VPC isolation, Kubernetes, Terraform and CI/CD with security scanning gates.
Security and compliance
Tokenization, field-level encryption, biometric authentication APIs and immutable audit logs mapped to PCI DSS, PSD2 and GDPR.
Almost-ready AI launch or custom build: the honest comparison
Both tracks ship the same ledger and risk core. The difference is time, price structure and how much you want to change.
| Criteria | Almost-Ready AI Launch | Custom Build |
|---|---|---|
| Time to live | 6 working days from branding handoff | 3 to 4 weeks, scoped before work starts |
| Pricing | Fixed written quote after a short scoping call | Estimated per module after the discovery call |
| Source code and IP | 100% ownership on delivery | 100% ownership on delivery |
| AI layer | Fraud scoring and personalization pre-tuned for finance | Models designed around your products and data |
| Compliance tooling | KYC tiers and reporting configured for your markets | Controls designed to your regulator's exact requirements |
| Best for | Institutions launching a specific product this quarter | Teams with bespoke products or unusual regimes |
| After launch | Post-launch support and product updates included | Post-launch support and product updates included |
/11
Why banks and insurers choose Moxace
We build for the failure modes others forget: the failed reconciliation, the unanswerable auditor question.
Regulated-market fluency
KYC tiers, sanctions screening and reporting formats mapped to your regimes during the build, not discovered during an examination.
Audit-grade engineering
Double-entry ledgers, idempotent money movement and immutable logs, so every figure on a statement traces to a journal entry.
Legacy-friendly integration
We layer modern fronts over cores like Temenos, Finacle and FIS via APIs, so transformation does not require a decade-long replacement.
Security as standard
Tokenization, field-level encryption and CI/CD security gates on every release, with hardening you can verify because you own the code.
Domain-aware AI
120+ AI engineers deliver fraud scoring, document intelligence and advisory models that are explainable enough for your compliance team to defend.
Fixed, written timelines
Almost-ready builds go live in 6 working days and custom builds in 3 to 4 weeks, each confirmed in writing before work starts.
FAQ's
$ moxace launch --nowReady to own your digital banking or insurance platform?
Get a free architecture review and a compliance-aware launch 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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