Fintech & Banking Software
Next-Generation Financial Technology Solutions Built on Trust and Security
Leading the Financial Revolution
The financial sector is undergoing massive disruption. We help banks, startups, and financial institutions build the next generation of Fintech applications. Our solutions range from digital wallets and payment gateways to complex trading platforms and blockchain applications.
We understand the critical importance of low-latency transaction processing, fractional precision, and zero-downtime deployments in the financial industry.
Fintech Development Services
- ✓Digital Wallets & Neobanking Apps
- ✓Payment Gateway Integration (Mada, Apple Pay, STC Pay)
- ✓Peer-to-Peer (P2P) Lending Platforms
- ✓WealthTech & Trading Applications
- ✓Blockchain & Smart Contract Development
- ✓RegTech & KYC/AML Compliance Tools
SAMA Compliant & Bank-Grade Security
Trust is the currency of the financial world. Every piece of code we write for the financial sector undergoes rigorous security auditing and penetration testing.
We ensure full compliance with the Saudi Central Bank (SAMA) guidelines and the National Cybersecurity Authority (NCA) standards. By implementing military-grade encryption and multi-factor authentication, we build platforms that users and regulators can trust unconditionally.
How a Fintech Build Runs
Financial software carries obligations ordinary software does not. The sequence reflects that.
- 1
Product and regulatory scoping
We establish which activity you are performing — payments, lending, wallets, aggregation — because that determines which permissions you need and what the system must record.
- 2
Flow and risk design
Money movement, ledger design, reconciliation and failure cases mapped before development. In financial systems the unhappy path is the product.
- 3
Secure build
Segregated environments, secrets management, least-privilege access, and an immutable audit log of every balance-changing action.
- 4
Integration and testing
Payment gateways, banking partners and identity providers connected in sandbox, then tested against failure, timeout and double-submission scenarios.
- 5
Review and launch
Independent penetration testing, a documented incident response plan, and a controlled rollout that starts with limited volume.
What We Build
The products clients ask us for most:
Digital wallets
Top-up, transfer, spend and statements with a ledger that reconciles to the last halala.
Payment platforms
Collection, split payments, refunds and settlement reporting for merchants.
Lending and BNPL
Application, scoring inputs, disbursement and repayment schedules with full audit history.
Open banking features
Account aggregation and payment initiation through licensed providers' APIs.
Investment and savings apps
Onboarding, portfolio views and statements built for regulatory reporting.
Back-office and compliance tools
Reconciliation, dispute handling, limits and the reports regulators and auditors ask for.
Security, Identity and What We Do Not Claim
Identity verification runs through the national channels customers already trust — Nafath for digital identity, with IBAN and CR validation where the flow requires it. Card data is tokenised at the gateway so raw card numbers never touch your servers, which keeps your PCI DSS scope as small as possible. Data stays inside the Kingdom, encrypted, with audit logs that reconstruct any transaction end to end.
To be clear about roles: we build and document systems to meet these requirements, but we do not issue licences or certifications. SAMA grants regulatory permissions, and PCI DSS certification comes from a Qualified Security Assessor. What we provide is a system, and the evidence trail, that stands up when those bodies review it.
Common Questions About Fintech Development
Do we need a SAMA licence?+
It depends entirely on the activity. Payments, lending, wallets and aggregation are regulated; a tool that only reports on data you already hold usually is not. SAMA's regulatory sandbox exists for testing new models under supervision. We build the system; obtaining the permission is yours, and we will tell you early if we think you need one.
How is customer identity verified?+
Through Nafath for national digital identity, plus IBAN verification and commercial registration checks for business accounts. Manual document upload can be kept as a fallback for cases the automated route cannot handle.
Will you store card numbers?+
No, and neither should you. Cards are tokenised by the payment gateway, so your systems hold a token rather than a card number. That is both safer and the single biggest reduction in PCI DSS scope available to you.
How do you handle reconciliation?+
Every balance-changing action writes to an append-only ledger, and automated reconciliation runs against gateway and bank settlement files. Discrepancies raise alerts rather than waiting for someone to spot them at month end.
Can you integrate with open banking?+
Yes, through licensed providers' APIs for account information and payment initiation, following the Saudi open banking framework. Your obligations depend on your own permissions, which we scope at the start.
What about penetration testing?+
We recommend an independent test before launch rather than testing our own work, and we fix findings as part of the project. Where you need an accredited assessor, we work alongside the one you appoint.
Building something financial?
A 30-minute call to map the money flow, the permissions it touches, and what the first release should realistically include.
Book a free consultation