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Service · Fintech Mobile Apps

Secure, compliant fintech apps for modern digital finance.

We design and build fintech mobile apps that handle real money, real users and real regulations — from UPI payments and wallets to lending, savings and investment products. Backed by 10+ years of mobile & backend experience.

Security & compliance focused Banking · NBFC · Lending · Payments B2C & B2B fintech experiences

Fintech use-cases we work on

  • UPI-based payment apps & bill payment flows.
  • Wallets, gift-card, loyalty & cashback systems.
  • Loan origination, collections & partner apps.
  • Investment, savings & goal-based finance journeys.
10+
years in mobile & APIs
99.9%
uptime-oriented design
24×7
transaction context
Overview Process & Delivery Tech Stack & Platforms Engagement Models

Overview

Fintech Mobile Apps at Mega Infomatix are built with one idea in mind: trust. Users must feel safe moving their money. Partners must be confident in integration. Regulators must see that you take compliance seriously. Our role is to bring product thinking, UX and engineering together so your app can handle all three.

Consumer & partner journeys

From onboarding to daily use

We design clear flows for sign-up, KYC, funding, payments, savings and support — so users understand what is happening at every step.

KYC & onboarding Payments & transfers Savings & goals

Security & compliance first

Regulation-aware workflows

We build with compliance in mind — from data handling and logs to maker–checker flows and audit trails that your compliance teams can work with.

KYC / AML checks Audit-ready logs

Built for growth & change

Offers, experiments & new products

Fintech moves fast. We design backend and app architecture with future features, new partners and fresh product experiments in mind.

Offers & campaigns Partner integrations

Process & Delivery

Fintech projects need structure. There are product discussions, compliance reviews, tech integrations and stakeholder approvals. Our process keeps all of that moving without losing clarity or speed.

Discovery, risks & compliance view

We start with flows, risk points and regulatory touchpoints — not just a list of screens.

  • Map onboarding, KYC, limits and transaction flows.
  • Identify fraud / abuse risks and how to mitigate them.
  • Capture compliance expectations from your team or partners.

UX flows & interface for money journeys

People are sensitive around money. We design flows that communicate clearly and avoid surprises.

  • Clear, step-wise journeys for high-risk actions.
  • Strong error states and confirmations.
  • Transparent fee, limit and risk communication.

Build, integrate & test

We integrate with your core systems, payment gateways or partner APIs and keep you in the loop.

  • Backend + APIs aligned with your architecture.
  • Integration with payment, KYC, credit or core banking providers.
  • Functional, security and edge-case testing.

Pilot, launch & refine

We support controlled pilots, soft launches and scale-up — with close watch on metrics and feedback.

  • Pilot in limited geography / segment where needed.
  • Monitoring of success / risk indicators.
  • Iterative refinements based on real user behaviour.

Tech Stack & Platforms

We use battle-tested technologies for fintech — focusing on reliability, observability and the ability to integrate with your existing stack or partners.

Mobile app layer

Built to be responsive, secure and friendly on the kinds of Android devices your customers actually use.

Native Android (Java / Kotlin) Cross-platform (where appropriate) Biometric login / PIN Device binding & session security

Backend & APIs

Fintech backends must be stable, observable and integration-friendly.

PHP / Node.js microservices RESTful APIs / JSON Layered architecture (app · domain · infra) Monitoring & logging hooks

Data, limits & controls

We design data structures that support money- movement logic, risk limits and reporting.

MySQL / PostgreSQL Immutable transaction logs Maker–checker & role-based controls Export-ready for BI / compliance

Integrations

We integrate with payment gateways, KYC providers, lending engines, core banking or custom partner APIs.

  • Payment gateways and UPI PSPs.
  • eKYC, credit bureau and risk-scoring APIs.
  • Internal systems (core banking, CRM, ERP, etc.).

Engagement Models

Fintech teams often work with multiple partners — product, risk, banking, technology. We adapt our engagement to fit into this ecosystem cleanly.

Fixed-scope project

Best when your flows are well-defined and integrations are clear.

  • Detailed scope, milestones & dates.
  • Agreed assumptions around APIs & partners.
  • Predictable cost & delivery plan.

Agile / evolving scope

Useful when you expect rapid iteration across products and offers.

  • Feature backlog & prioritisation with your product team.
  • Short sprints with demos and feedback loops.
  • Scope evolves based on market and partner inputs.

Long-term fintech partner

We act as your extended product & tech team for continuous evolution.

  • Roadmap planning with product & risk teams.
  • Regular releases & performance improvements.
  • Support for new regulators, partners or markets.

Discovery / PoC first

Perfect when you want to test a concept with a bank / NBFC / partner before full build.

  • Short, focused discovery or PoC scope.
  • Demo-ready flows and limited integration.
  • Clear path to full product if PoC succeeds.

Planning a new fintech app or revamping an existing one?

Share your context — segment, product idea, partners and timelines. We’ll respond with realistic options, risks to watch and how Mega Infomatix can support you.

Share a fintech project brief Talk to our team
Comfortable working with banks, NBFCs, payment partners and startups.
What usually happens next:
  • Step 1: We review your note and clarify any critical details.
  • Step 2: Short call with your product / tech / compliance reps.
  • Step 3: We share 1–2 practical ways to move forward with timelines.