Fintech & Regulated Finance
~4 years shipping in BaFin-regulated environments. Compliance isn't a checklist, it's architecture.
The fintech engineering bar is higher than almost any other sector. Data residency rules, biometric auth requirements, PSD2 open-banking mandates, and regulator scrutiny of your mobile security posture, these aren't edge cases, they're requirements. I've shipped production iOS for a BaFin-regulated German robo-advisory and wealth-management platform serving tens of thousands of users.
Why it's hard
Industry challenges
Regulatory compliance from day one
Most iOS engineers add security and compliance as an afterthought. In regulated fintech, this results in expensive remediation or failed audits. Architecture decisions, storage, networking, auth, need to account for BaFin, PSD2, GDPR, or PDPL from the first sprint.
Biometric auth done properly
Face ID and Touch ID are ubiquitous but frequently implemented incorrectly: tokens stored in UserDefaults, Keychain sharing misconfigured, biometric re-enrollment not handled. The regulatory bar for financial app authentication is strict.
Complex financial state management
Portfolio values, transaction histories, and real-time price feeds create concurrency challenges that junior iOS engineers rarely encounter in other verticals. Swift Concurrency and careful state management are essential.
Third-party SDK risk
Analytics SDKs, crash reporters, and A/B testing tools installed in a regulated app create data-sharing obligations that may conflict with your privacy policy or regulatory requirements. Every SDK in a fintech app needs explicit justification.
What I bring
Capabilities for Fintech & Regulated Finance
What's included
Deliverables
Regulatory architecture
We consider the privacy, security, and financial requirements of your target market from the beginning, so your app is prepared for the rules it needs to meet rather than having them addressed later.
Biometric & secure authentication
Protect customer accounts with effortless Face ID, Touch ID, and complete privacy protections. Users enjoy instant, one-tap logins while their financial details and personal data stay completely locked down.
Open banking integration
Allow users to securely link their bank accounts, view all their balances in one place, and make instant payments. We make it simple for your customers to connect their accounts and manage their money without ever leaving your app.
KYC & AML compliance workflows
Simplify customer onboarding with document verification, liveness detection, and third-party KYC integrations designed for secure fintech app development.
Financial dashboards
Create intuitive portfolio dashboards, transaction histories, and real-time financial insights that help users confidently manage their finances.
Security assessment
Identify and address common mobile finance vulnerabilities through security assessments, penetration testing, and launch readiness reviews to deliver a secure, reliable fintech application.
How it works
The process
Discover & design
We learn your business, audience, goals, and financial requirements, then turn them into a clear roadmap. Wireframes and prototypes help shape an experience that feels intuitive, trustworthy, and easy to navigate.
Build & integrate
This is where the app comes to life through focused development, regular demos, and continuous testing. We also connect the payment, banking, and third-party services your app relies on, so everything works together as it should.
Test, launch & support
Before launch, we put the app through thorough security checks to make sure it's ready for real users. After launch, we keep monitoring, updating, and improving it so it stays reliable as your product, platforms, and regulations evolve.
Is this right for you?
Who it's for
Fintech startups
You have the idea. Now you need to get it into people's hands. Our fintech app development company helps you turn your vision into a focused first product, learn from real users, and keep building as your business grows.
Enterprises & financial institutions
If you're modernizing an existing financial product, our fintech app development team helps move it forward without losing the systems, processes, and customer experience your business already relies on. We bring a modern mobile experience while keeping the transition practical and controlled.
Payment & lending platforms
When your business revolves around moving money or managing credit, every transaction matters. We create dependable experiences for payments, transfers, lending, and account activity that can support your customers as transaction volumes grow.
Digital banking apps
Your customers shouldn't have to think about how complicated banking can be. We create straightforward mobile experiences for everyday tasks like checking balances, managing accounts, transferring money, and keeping track of activity.
Insurtech companies
Insurance doesn't have to feel like paperwork. We turn complex processes like getting a quote, managing a policy, or filing a claim into simple iOS experiences that customers can complete from their phones.
Shipped work
From the case studies
−40%
P95 API latency
Restructured the iOS networking layer on a BaFin-regulated robo-advisory app, eliminating redundant serial requests and introducing async/await concurrency across the portfolio and transaction flows.
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