Solutions for tech and business leaders

If you’re launching a new fintech product or updating an existing platform, we can help you move faster, work more efficiently, and deliver better results. It’s as focused as it is effective. We build core systems, connect with PSPs, improve infrastructure, and ensure compliance, all designed to scale with your goals without adding unnecessary complexity.

Retention rate


The challenge:

Tight deadlines. Legacy constraints. Limited in-house bandwidth. Pressure to launch.

We help you scale delivery without risking stability. Our engineers jump in fast, follow your standards, and modernize systems without disrupting your core.

Keep dev moving


The challenge:

Tech debt. Blocked releases. Test bottlenecks. Slow feedback loops.

We unblock your pipeline with fintech-savvy developers who plug into CI/CD, automate testing, and keep sprints on track.

Ship results


The challenge:

Lean teams. Aggressive targets. Hiring freezes. Tight budgets.

We help release pressure on your internal resources by taking over delivery, optimizing features, and improving output, so you can meet goals without increasing costs.

Areas of expertise

Payments & transactions
  • PCI-compliant payment gateways
  • Payment system integrations (banking APIs, PSPs, etc.)
  • Mobile wallet and QR-based payment app development

Capital markets: investment & trading
  • Portfolio management and performance analytics platforms
  • Robo-advisory and client onboarding systems
  • Real-time trading engines and algorithmic trading solutions

Lending
  • Loan origination and management systems
  • Automated risk assessment and decision engines
  • Alternative credit scoring platforms

Banking & blockchain
  • Digital banking platforms, personal finance apps, and crowdfunding tools
  • Financial data analytics, reporting, and intelligence systems
  • Blockchain integrations, smart contracts, and payments

Our core fintech services

Payments

We build secure, scalable payment systems tailored to your business. Our services support global growth by streamlining PSP integrations and recurring billing. You can count on enhanced security with fraud prevention, real-time analytics, and efficient and low-maintenance infrastructure.

  • PCI-compliant payment gateway development
  • Intelligent routing to lower transaction costs
  • Integration with PSPs and bank APIs
  • Smart payment routing through orchestration layers
  • Localized PSP support for international markets
  • Subscription billing and recurring payment modules
  • Fraud prevention, scoring, and risk management
  • Real-time analytics dashboards for payment insights
  • Scalable serverless infrastructure with CI/CD automation

Modernization

We help you modernize outdated systems and shift to efficient, cloud-ready infrastructure. This keeps your financial products competitive and ready to scale. From migrating legacy PHP to Node.js to upgrading older Java, Python, or .NET stacks, we do it all without disrupting your operations.

  • Legacy architecture assessment and optimization
  • Codebase refactoring and modernization
  • Replatforming from monoliths to microservices
  • Cloud migration and cloud cost optimization
  • Infrastructure redesign, automation, and CI/CD pipelines
  • Containerization and orchestration (Docker, Kubernetes)
  • Performance tuning and scalability improvements

Apps

We design and build fintech applications that combine robust security, smooth performance, and user-friendly design. Launching a banking app, trading platform, or embedded finance tool? We cover the full development cycle, from architecture and UX to compliance and infrastructure.

  • End-to-end cross-platform fintech app development
  • API-first, microservices architecture
  • Continuous integration and deployment
  • Secure authentication and authorization
  • Regulatory compliance embedded in code
  • UX/UI design tailored for finance users
  • Performance optimization and scalability

Cost optimization

Cut unnecessary cloud expenses with our detailed audits and optimization strategies. By streamlining segments like payment infrastructure and cloud operations, we help reduce infrastructure costs, without sacrificing performance or reliability.

  • Analyzing cloud usage and spend
  • Identifying and eliminating resource waste
  • Rightsizing compute and storage resources
  • Utilizing reserved and spot instances
  • Automating scaling to minimize idle resources
  • Optimizing backup and disaster recovery costs
  • Optimizing AI workload and pipeline costs
  • Continuous cloud cost monitoring and alerts

Security

We secure your systems through comprehensive audits, eliminating exploits and ensuring compliance with industry standards. In fintech, where trust and data protection are critical, our tailored security research identifies risks and establishes processes for ongoing, proactive protection.

  • Full security audits and penetration testing
  • Vulnerability assessment and risk analysis
  • Regulatory compliance setup (PCI DSS, GDPR, etc.)
  • Custom security research per client architecture
  • Security process design and automation
  • Integration with DevSecOps pipelines
  • Ongoing monitoring and remediation planning
  • Security awareness and training for teams

Support

In platforms such as payment systems, even brief downtime or delays can result in abandoned transactions and eroded customer trust. That’s why we design resilient, fault-tolerant infrastructures enhanced with real-time monitoring, intelligent alerting, and automated incident response. Proactive monitoring and observability are key to preventing costly disruptions before they occur.

  • End-to-end system monitoring setup
  • Observability engineering (logs, metrics, traces)
  • Custom alerting and incident response
  • Automated health checks and failover mechanisms
  • Infrastructure and application performance monitoring
  • SLA definition and reliability planning
  • Root cause analysis and proactive mitigation
  • 24/7 on-call support and escalation handling

UX & CX

Improve customer experience and boost conversion rates with our UX audits and data-driven optimization, crucial for banking, trading, and payment platforms.

  • UX audits and user behavior analysis
  • A/B testing and usability experiments
  • Optimizing onboarding and user flows
  • Reducing payment abandonment rates
  • Designing intuitive financial dashboards
  • Custom UI for complex payment interfaces
  • Accessibility and compliance reviews

AI

Utilize AI to enhance risk management, fraud detection, customer support, and other functions critical in finance. We build and integrate custom ML models designed specifically to address the unique challenges of the financial technology sector.

  • Explainable AI for transparent decisions
  • Credit and risk scoring models
  • Fraud detection with anomaly and sequential analysis
  • Churn prediction and customer segmentation
  • AI chatbots and robo-advisors
  • Orchestrated and agentic algorithmic trading and analytics
  • Integration with large language models (LLMs)

Analytics

Turn your fintech data into actionable insights with advanced BI, modern data stacks, and governance frameworks designed for security and compliance. Our services ensure data security and meet regulatory requirements, helping you make smart decisions while keeping financial information safe.

  • Big data processing and analytics
  • Real-time and batch data pipelines
  • Data modernization and migration
  • Standardized APIs and data integration
  • Secure data sharing and interoperability
  • Differential privacy and anonymization
  • Audit logging and governance processes
  • Custom dashboards and reporting

Who we serve

We collaborate with a range of organizations to deliver solutions tailored to operational needs and technical requirements.

  • Investment firms and hedge funds
  • Lending platforms and loan originators
  • Trading companies and brokerages
  • Banks seeking mobile app development
  • Financial software product companies
  • Payment service providers and ISOs
  • Fintech startups scaling products
  • Businesses needing payment integrations

Build fintech solutions without limits

Whether you’re scaling products, expanding to new markets, or optimizing infrastructure, Oxagile brings the technical expertise to make it happen — securely, efficiently, and at scale.

Our developers

  • Technical leadership

    Engineering Leads and Solution Architects define scalable system designs
  • Development & engineering

    Developers build core systems, AI/ML Engineers create data pipelines.
  • DevSecOps & infrastructure

    DevOps, Security, and Performance Engineers ensure resilient infrastructure.
  • Analysis & QA

    System Analysts translate business needs into tasks, while QA ensure quality through testing.

Cooperation models

Outstaffing / team extension

Enhance your in-house capacity with specialized talent:

  • Add vetted developers with domain expertise in finance, payments, and compliance
  • Scale teams up or down quickly based on project needs
  • Get expert consulting to fill knowledge or skill gaps
  • Accelerate delivery without the burden of full onboarding

Dedicated team

Launch and scale fintech services with a managed development squad:

  • A cross-functional team aligned with your roadmap and KPIs
  • Ideal for building complex products or running long-term initiatives
  • Transparent processes, clear communication, full visibility
  • Continuous delivery and optimization under your strategic direction

Value delivered by Oxagile

Comprehensive fintech expertise

We cover payments, lending, investments, and security, understanding both technology and market demands.

Tailored technical solutions

From payment integrations to mobile apps and compliance, we deliver fintech technology designed for your needs.

Outcome-driven approach

Focused on reducing costs, improving efficiency, and enabling scalable growth for your business.

Seamless collaboration

Our teams integrate smoothly with yours, enhancing agility and accelerating delivery timelines.

Quality and compliance assured

Security audits and regulatory standards are embedded in every project to ensure trust and reliability.

Future-proof innovation

We use the latest fintech trends and AI-driven tools to keep you ahead of the curve.

Tech stack

Programming Languages & Frameworks

Node.js • PHP • TypeScript • Python • Java / Kotlin • Swift • Go • React / Next.js • React Native / Flutter  • .NET (C#)

Architecture & Infrastructure

Microservices architecture • Monolithic architecture • Serverless infrastructure • API-first architecture

Cloud & DevOps

AWS, Google Cloud, Azure • Infrastructure as Code • GitOps & declarative delivery • Observability stack • Secrets management • Automated security & license scans • Cost-monitoring / optimization tooling

Security & Compliance

SO/IEC 27001 & SOC 2 Type II readiness • PSD2 / Open Banking & Strong Customer Authentication • AML/KYC workflows (FinCEN, FATF guidance) • OAuth 2.0 & OpenID Connect / FAPI • OWASP ASVS & Top 10 secure coding • FIPS 140-2/3 cryptographic modules

Payments & Transactions

Smart routing & payment orchestration layers • Tokenization & vaulting (PCI DSS v4 standards) • 3-D Secure 2.2 & EMVCo SRC • ISO 8583 / ISO 20022, SEPA, SWIFT messaging • Mobile wallet integrations (Apple Pay, Google Pay, Samsung Pay) • Real-time fraud scoring engines & rules • Automated reconciliation & double-entry ledgers

AI & Machine Learning

MLOps toolchain • Feature stores • Streaming / online inference • Time-series forecasting & anomaly detection • Retrieval-augmented generation (RAG) pipelines • Reinforcement learning for trading strategies • AutoML platforms • Privacy-preserving ML • Explainable AI

Analytics & Data

Data lake / lakehouse • Warehouses • Stream processing • Orchestrated ETL/ELT • Columnar formats & compression • Data catalog & governance • Data quality / observability • Differential privacy & anonymization

Containerization & Orchestration

Docker • Kubernetes • Helm & Kustomize • Kubernetes operators • Runtime security

Frequently Asked Questions

Why is fintech software development uniquely challenging, and how can a tech partner help?

Developing in finance is rarely straightforward, you’re expected to move fast, stay compliant, and never compromise reliability. From integrating payment providers to preparing for audits, every change touches sensitive systems under tight regulatory oversight. A strong technology partner with technical depth and domain understanding can make the difference. They help teams scale securely, modernize legacy systems, and meet regional compliance requirements, all without slowing down product momentum.

Which technologies actually move the needle in fintech today?

The latest technologies in fintech, from AI to cloud-native infrastructure, are valuable when applied with a clear goal. AI helps improve fraud detection, credit scoring, and transaction routing. Cloud platforms support scalability and cost-efficiency. We also rely on well-established tools like Node.js, Kubernetes, and microservices to build stable, secure, and adaptable systems.

What affects the cost to develop a fintech app, and how can I stay on budget?

The software development cost to develop fintech app solutions depends on feature complexity, compliance requirements, and tech integrations. At Oxagile, we help clients balance scope and ROI from day one.

Your partner in secure finance tech

We’re here to help you get it right from the start or improve what’s already in motion. Tell us where you are in your journey, and we’ll connect you with a solution that fits your goals.

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