Custom FinTech software development remains a strategic priority in 2026 as financial products face increasing regulatory, security, and scalability demands. Financial institutions need tailored systems which match their specific business processes instead of using off-the-shelf software solutions. The following companies stand out for their ability to deliver custom FinTech software aligned with real financial use cases, compliance requirements, and long-term platform growth.

 

1. Cleveroad

Founded in: 2011
Headquarters: Claymont, Delaware, USA
Hourly Rate: $50–$80
Industry Expertise: FinTech, Healthcare, Logistics, Retail, Media, eCommerce
Reviews: 70+ reviews on Clutch, average rating 4.9/5

Cleveroad develops tailored financial technology software solutions for businesses that require secure and scalable financial systems which meet industry compliance standards. The company provides its services to digital banking institutions and payment processing companies and lending platforms and artificial intelligence based financial technology solutions.

Cleveroad operates under ISO 9001 and ISO 27001 certifications which enable the company to develop projects that handle protected financial information and follow regulatory procedures. The team develops systems that connect with banking APIs and payment gateways and CRMs and analytics tools and cloud infrastructure.

Cleveroad helps FinTech projects by providing development services together with assistance for system architecture and scalability assessment and maintenance planning for future development. FinTech teams can use this method to decrease technical hazards while they develop their systems to comply with regulations and handle upcoming business growth.

2. EPAM Systems

Founded in: 1993
Headquarters: Newtown, Pennsylvania, USA
Hourly Rate: $60–$120
Industry Expertise: FinTech, Banking, Capital Markets, Insurance
Reviews: 100+ reviews on Clutch, average rating ~4.8/5

EPAM Systems operates as a worldwide digital engineering business which possesses deep expertise in the financial services industry. The company develops custom FinTech platforms, trading systems, and enterprise banking solutions for large organizations.

EPAM develops its FinTech solutions through three main activities which include upgrading existing systems to modern technologies and moving operations to cloud environments and connecting new systems with older financial technologies. Their teams are well-suited for large, distributed delivery programs that require strong governance and engineering discipline.

The solution works best for enterprise FinTech platforms which target large financial institutions that operate complex system environments.

3. Endava

Founded in: 2000
Headquarters: London, United Kingdom
Hourly Rate: $50–$100
Industry Expertise: FinTech, Payments, Banking, Wealth Management
Reviews: 90+ reviews on Clutch, average rating ~4.7/5

Endava provides custom FinTech software development services with a strong focus on regulated European markets. The company develops payment platforms together with digital banking systems and financial data management solutions.

Endava combines delivery scale with regional regulatory understanding which makes it a preferred option for FinTech products that need to operate in multiple jurisdictions. The service works best for mid-to-large FinTech companies that want to expand their operations throughout Europe.

4. Thoughtworks

Founded in: 1993
Headquarters: Chicago, Illinois, USA
Hourly Rate: $80–$150
Industry Expertise: FinTech, Banking, Enterprise Platforms
Reviews: 80+ reviews on Clutch, average rating ~4.6/5

Thoughtworks uses its engineering-based method to create system designs which serve as its primary expertise. The company works on three main areas of FinTech projects which include upgrading platforms and creating data-driven solutions and developing financial systems that can handle increased demands.

Thoughtworks provides assistance to organizations needing complete redesigns of their financial system frameworks instead of merely extending their current systems.

This solution works best for FinTech products which require complex architectural designs and the ability to handle increased user demand.

5. Netguru

Founded in: 2008
Headquarters: Poznań, Poland
Hourly Rate: $50–$90
Industry Expertise: FinTech, SaaS, Digital Products
Reviews: 70+ reviews on Clutch, average rating ~4.8/5

Netguru develops personalized financial software solutions for FinTech companies that include startups and scaling businesses through its development of mobile banking applications and digital wallet systems and customer payment processing applications.

The company uses UX design and rapid prototyping together with iterative product development as its main focus areas.

The solution works best for FinTech startups that operate at both their initial stage and their growth stage.

6. Accenture

Founded in: 1989
Headquarters: Dublin, Ireland
Hourly Rate: $100–$200+
Industry Expertise: FinTech, Banking, Insurance, Enterprise Systems
Reviews: Enterprise-focused, limited public review data

Accenture offers specialized FinTech software development services which they use to support their digital transformation projects. Their services typically include three components which are strategic planning, compliance alignment, and implementation of extensive systems.

Accenture works on extended transformation projects which require multiple years to complete instead of developing individual products.

The solution is optimal for large businesses that are completely changing their entire financial systems.

7. Tata Consultancy Services (TCS)

Founded in: 1968
Headquarters: Mumbai, India
Hourly Rate: $40–$80
Industry Expertise: Banking, Payments, Financial Services
Reviews: Enterprise-focused, limited public review data

The delivery of FinTech software development services at TCS serves banks and financial institutions through its worldwide operations. Their portfolio includes core banking platforms, payment infrastructure, and risk management systems.

TCS delivers its best performance through delivery programs which require permanent operational support. The solution serves financial institutions throughout the world which need to process large volumes of deliveries.

Final thoughts

Custom FinTech software development in 2026 requires more than technical execution because success depends on three factors. The two factors which control product success after release are security practices and platform ownership.

The FinTech landscape shows different strengths through the companies which follow. The appropriate partner selection process requires assessment of product maturity and regulatory exposure and future growth plans.

 

 

Author’s bio

Yuliya Melnik is a technical writer at Cleveroad, a web and mobile application development company. She covers digital finance, product engineering, and fintech development services, helping teams understand how to build secure, scalable financial software. Yuliya focuses on clear, practical content about payments, digital banking, and compliance-driven development.