Over the past decade, finance has evolved into a digital organism where code defines the rules.

Today, fintech software development companies are the architects of this world, building systems for a market projected to hit $1.5 trillion by 2030. As money moves through invisible channels, choosing the right tech partner has become the most decisive factor for long-term success.

The push for innovation is undeniable. According to Statista, surging transaction values are forcing traditional banks to digitize rapidly to retain customers. This shift is global: Exploding Topics reports that over 56% of the world’s population now regularly uses payment platforms, with adoption rates reaching 92% in markets like China.

With $11.55 trillion in digital payments processed last year and a projected CAGR of 25.18%, the stakes for risk and credit scoring platforms have never been higher. To help you navigate this landscape, we have identified the top 15 firms leading the industry with advanced AI and secure architectures.

Top 15 Fintech Software Development Firms for Risk & Credit Scoring Platforms

1. Computools

Founded: 2013

Team size: 250+ engineers

Headquarters: USA

Core expertise: AI/ML financial solutions, custom fintech software development, banking & RegTech, automated loan origination, legacy modernization.

Computools is a global leader in fintech software development services, trusted by brands like Visa, Caribbean Bank, Dior, and British Council. With over 12 years of experience and 400+ completed projects, the firm specializes in building secure architectures that automate the most critical stages of the credit lifecycle. 

By eliminating data silos and integrating advanced AI, Computools enables financial institutions to automate routine tasks such as loan origination and fraud detection. This transformation shifts clients away from manual, error-prone processes, resulting in 40% faster financial operations and 30% lower operating costs. 

Holding ISO 9001 and 27001 certifications, the company ensures bank-grade security and full regulatory compliance (AML/KYC, PCI DSS) across all its risk and scoring platforms.

Their portfolio demonstrates a proven track record of delivering ROI-focused solutions, such as a 12% engagement boost for Caribbean Bank. Whether modernizing legacy financial infrastructures or building next-generation scoring ecosystems, Computools provides the scalability and technical precision needed to stay ahead of evolving regulations and customer expectations in the credit market.

2. SevenPro

• Founded: 2017 
• Team size: 60+ professionals 
• Headquarters: Ukraine 
• Core expertise: Full-cycle software engineering, IT consulting, and software development services.

SevenPro is a Ukrainian technology partner specializing in high-scale software solutions for startups and enterprises across the USA, Europe, and Israel. With a 98% customer satisfaction rating, the firm emphasizes a “quality over quantity” approach, employing a rigorous selection process to maintain a top-level development team. They take a deep-dive approach to every project, ensuring that architecture and business goals are perfectly aligned.

Over the past six years, the company has completed more than 50 projects, maintaining a spotless reputation by upholding the values of transparency and proactivity. Their expertise spans mobile and web development, business analysis, and security-focused architecture. Despite global challenges, SevenPro continues to scale its R&D hubs and deliver innovative, impact-driven projects that help clients stay at the edge of technological progress.

3. 10Clouds

Founded: 2009

Team size: 50 – 249 employees

Headquarters: Poland

Core expertise: AI & Blockchain, mobile and web app development, and UX/UI design for the fintech sector.

10Clouds is a digital product development house with over 15 years of experience and 500+ projects delivered for businesses in the USA, Canada, and Europe. The team is renowned for its specialized AI Labs and deep expertise in Web3 and Blockchain solutions. They excel at aligning technical execution with business goals, offering services ranging from rapid prototyping and AI consulting to full-scale product development and team augmentation.

In the financial sector, 10Clouds focuses on developing secure, user-centric products, including mobile banking apps, wealth management platforms, and AI-driven fraud detection systems. Their notable work includes helping TrustStamp develop its AI-powered identity verification tools, which led to a successful NASDAQ debut, and building the Earnity crypto community marketplace. By combining bank-grade security with intuitive design, 10Clouds ensures complex financial transactions are simplified for end users while maintaining robust, scalable infrastructure.

4. Goodface

Founded: 2016

Team size: 10 – 49 employees

Headquarters: Ukraine

Core expertise: FinTech product discovery, high-security UX/UI for banking, custom SaaS architecture, and financial workflow design.

Goodface specializes in creating high-end experiences for the FinTech and SaaS sectors. With over 100 projects delivered since 2016, they have built a reputation for blending business strategy with technological know-how. 

The agency is particularly valued in the financial niche for its deep understanding of market nuances and regulatory requirements. Goodface has successfully collaborated with players such as Magnetiq Bank on rebranding and with bill_line on developing modern user interfaces that simplify complex financial operations. Whether it is launching an MVP for a startup or scaling a platform for an established business, they focus on “synergy”, combining the client’s vision with their own analytical and creative expertise.

Also, Goodface acts as a strategic partner, helping clients stand out in competitive markets like LATAM through bold animations and intuitive flows. Their approach is data-driven, ensuring that every design choice supports the product logic and enhances user retention. 

5. DBB Software

Founded: 2015

Team size: 100+ skilled engineers

Headquarters: Poland

Core expertise: Cloud-native architecture, AI-powered fraud detection, loan origination systems, and AWS-certified financial integrations.

DBB Software is an AWS Select-Tier Partner specializing in the rapid delivery of complex financial products. Their standout advantage is a proprietary repository of pre-built solutions that reduces development time by 50% and significantly accelerates the prototyping phase. 

The company’s expertise covers the full product lifecycle, from AI analytics predicting user behavior to real-time machine learning for fraud detection. Following CMMI and ISO standards, DBB Software guarantees bank-grade security and regulatory compliance. Their engineers develop scalable, cloud-native systems that handle high transaction volumes.

With a long-term partnership approach, over 80% of clients stay for more than seven years. DBB Software specializes in legacy system modernization, complex API integrations, and building robust backends with Node.js, Python, and .NET. Their method combines Scrum flexibility with deep credit and asset management expertise, helping businesses launch reliable, high-performance software quickly.

6. Cleveroad

Founded: 2011

Team size: 250 – 999 employees

Headquarters: USA

Core expertise: Custom eBanking ecosystems, AI-driven credit scoring, micro-investment platforms, and regulatory compliance (PCI DSS, GDPR, PSD2).

Cleveroad is a global software development firm known for innovation and transparency, with over 14 years of experience and a large team of certified experts. They provide full-cycle services to startups and financial institutions and hold ISO 9001 and 27001 certifications for quality and security. 

Specializing in modernizing legacy banking systems and developing financial tools, they have expertise in core banking, automated lending, and AI-based fraud detection, and are compliant with regulations such as SAMA, FINMA, and MiFID II. 

Their portfolio includes projects such as an ecosystem for a European investment bank and a Middle Eastern micro-investment app, which use AI and ML to reduce risk and enhance efficiency. Their collaborative process ensures high-quality, scalable software that promotes market growth.

7. You are launched

Founded: 2016

Team size: 50 – 249 employees

Headquarters: Cyprus

Core expertise: Lean Startup methodology, MVP development for fintech, AI-driven investment tools, and digital wallet architecture.

You are launched helps entrepreneurs and businesses develop scalable products with minimal budget waste. Over 70 startups launched in three years, with a success rate above the market average. Partners have raised significant funding from Facebook, the EU, and Amazon, often entering top accelerators like YC Startup School and TechStars.

In finance, the firm focuses on custom app development for evolving markets, including mobile banking, insurance, and stock trading. Using Lean methods, they deliver high-performance solutions like real-time analytics and secure P2P payments quickly. Their tech stack includes Swift for iOS, Kotlin for Android, and Ruby on Rails for scalable back-end architecture.

Beyond initial coding, the agency provides end-to-end support, including idea validation, UI/UX design, and post-launch user analytics configuration. They emphasize absolute transparency through a risk-free working model and weekly sprints, enabling clients to monitor progress in real time. 

8. Leobit

Founded: 2014

Team size: 170+ engineers

Headquarters: Ukraine

Core expertise: NET ecosystem, AI/LLM integration, cloud-native architecture (Azure), and high-load financial systems

Leobit, a Microsoft Solutions Partner and full-cycle development provider, delivers advanced applications to Fortune 500 companies and startups, specializing in .NET and AI. Supporting unicorns and startups with exits over $10 million, it holds ISO 9001:2015 and ISO 27001:2022 certifications, showcasing its quality and security standards.

In finance, Leobit advises mortgage lenders, insurers, and investment managers, developing platforms like real-time real estate marketplaces that helped facilitate over $1.4 billion in purchases. The team handles complex compliance (GDPR, PCI DSS, OWASP) and integrates payment gateways for secure transactions.

Leobit leverages AI and machine learning for operational efficiency, including predictive analytics, fraud detection, and automated document verification. 

9. Brainhub

Founded: 2015

Team size: 600+ experts

Headquarters: Poland

Core expertise: Scalable JS/TS architecture (React, Node.js), Python-based AI & Data Engineering, .NET, and AWS cloud solutions.

Brainhub, a top software engineering firm, recently merged with STX Next, combining expertise in JavaScript, .NET, Python, and Machine Learning. This alliance makes it one of Europe’s largest tech partners. Trusted by PwC, Credit Suisse, and National Geographic, Brainhub emphasizes software delivery excellence and strong project governance.

Brainhub, with over seven years of experience in fintech and banking, supports organizations ranging from startups to global firms. The team builds scalable, high-data systems that remain 99.9% crash-free, focusing on reducing technical debt and future-proofing through modular design and DevOps. Their methodology centers on Continuous Delivery, Business Decisions, and Rigorous Governance. Using automated tests, critical smoke tests, and weekly CI/CD, Brainhub ensures software adds measurable value. 

10. DeepInspire

Founded: 2000

Team size: 10 – 49 experts (90% senior level)

Headquarters: UK

Core expertise: Online banking, custom trading platforms, BaaS (Banking-as-a-Service), and institutional-grade compliance (KYC/AML).

DeepInspire is a fintech specialist with 25 years of experience and an official status as an Experian supplier. They focus on high-end product development, with 90% of the team at a senior level. The firm is known for a “product-first” mindset, helping CEOs and CTOs transform complex business logic into scalable financial systems, from online banking to commodity exchanges.

The company excels in building secure, high-performance backends and seamless mobile banking applications. Their technical expertise includes automated international payments processing (SWIFT, SEPA, FPS), digital wallet development, and AI-assisted trading tools. DeepInspire is particularly effective at refactoring legacy codebases, turning outdated systems into maintainable, modern architectures ready for market scaling.

11. Dreamix

Founded: 2007

Team size: 250 – 999 employees

Headquarters: Bulgaria

Core expertise: Java and Python development, RegTech and compliance solutions, legacy system modernization, and event-driven architecture.

Dreamix is a European IT services provider with nearly two decades of experience developing strategic software for market leaders in North America and Europe. Trusted by institutions like BNP Paribas and the Royal Bank of Scotland, it is recognized for high technical seniority many engineers teaching university courses. With a 95% retention rate, Dreamix offers stable, long-term partnerships focused on end-to-end delivery and digital transformation.

In finance, Dreamix builds scalable solutions addressing complex regulations and high-volume data processing. Its expertise includes web banking, financial reporting, accounting, and insurance solutions. It advises migrating from legacy systems to cloud-based microservices and event-driven architectures to ensure real-time data accuracy.

12. LeanCode

Founded: 2016

Team size: 80+ experts

Headquarters: Poland

Core expertise: Enterprise Flutter development, custom .NET backends, React web apps, and automated UI testing.

LeanCode is a premier software house, recognized worldwide as an official Google Flutter consultant. They specialize in building high-performance, cross-platform applications for enterprises and fast-growing scale-ups. 

The company has a strong footprint in the banking and fintech sectors, famously delivering the CA24 Mobile app for Credit Agricole, one of the world’s largest Flutter-based retail banking platforms.

LeanCode’s service offering extends beyond development to include product strategy, Design Thinking workshops, and specialized Flutter audits. They are known for a “responsible owner” approach, taking full accountability for the end-to-end delivery of complex digital products. Whether it’s migrating legacy native apps to cross-platform or implementing AI-powered features, LeanCode combines technical excellence with a proactive, business-driven consulting mindset.

13. OAK’S LAB

Founded: 2016

Team size: 90+ product experts

Headquarters: Prague

Core expertise: Full-stack JavaScript/TypeScript development (React, Node.js), AI & Agentic systems, and dual-track agile delivery for US-based startups.

OAK’S LAB is a top development partner specializing in mission-critical software for rapidly growing US companies. Focused on FinTech, they’ve helped clients raise over $2 billion. As an ISO 27001-certified firm, they ensure enterprise security and compliance for financial data and transactions.

They have a successful track record in finance, creating platforms like Capital Markets Gateway, linking over $40 trillion in assets. Their AI-driven credit solutions include end-to-end lending workflows for Karus in auto finance. Using modern tech (React.js, Node.js) and AI, they help fintechs automate processes and quickly find product-market fit.

The firm’s portfolio includes a range of financial products, from real estate investment platforms (Plotify, Dot Residential) to payment optimization applications (Reavo). 

14. Ancient

Founded: 2014

Team size: 50 – 249 employees

Headquarters: Mexico

Core expertise: Digital wallets, Banking-as-a-Service (BaaS), card issuance systems, and AI-driven fraud prevention.

Ancient is a premier nearshore IT consulting and digital engineering partner specializing in high-performing senior engineering talent from Latin America. They are helping financial institutions and fintechs modernize core banking systems and deploy intelligent automation. Ancient focuses on outcome-driven delivery that balances cutting-edge innovation with strict regulatory compliance.

The company offers a comprehensive suite of fintech services, including the development of state-of-the-art payment gateways, payroll dispersion platforms, and secure remittance solutions. They excel at accelerating time-to-market with their BaaS infrastructure, enabling companies to launch deposit and credit products without the traditional overhead of banking licenses and the complexity of managing intermediaries. Their technical teams are highly experienced in integrating with major industry partners like Marqeta, Circle, and Trulioo.

Beyond development, Ancient provides specialized expertise in Blockchain, Big Data, and DevOps. Their approach centers on the “wisdom of technology”, honoring proven foundations while using modern tools such as Jenkins and AI predictive models to optimize ROI. 

15. Empat

Founded: 2013

Team size: 250 – 999 employees

Headquarters: USA

Core expertise: Full-cycle product development, FinTech SDKs, HealthTech systems, and “CTO as a Service” for startups.

Empat is a client-focused software development company that balances technical excellence with a research-driven approach. Since its first day, it has delivered over 300 digital products for brands like Porsche, Panasonic, and Heinemann, plus many Y Combinator alumni. With 85% of developers holding advanced degrees in IT or math, Empat excels at turning complex ideas into scalable market leaders, helping clients raise over $380 million in 2023.

In Fintech, Empat is known for solutions such as Shadowbanking, an embeddable SDK that enables B2B SaaS platforms to add financial features without becoming full-fledged fintech entities. Their expertise also includes modular white-label payout engines, digital wallets, and KYC/AML workflows. 

Conclusion

Selecting a fintech partner directly affects a firm’s ability to remain competitive in a market where data processing speed and security are paramount. The 15 companies highlighted in this guide offer the specialized expertise required to build high-load credit-scoring platforms and automated risk-management systems that meet global compliance standards.

Adopting these advanced solutions delivers measurable results. Financial institutions using AI-driven scoring models and automated workflows typically reduce operational costs by 30% and loan processing times by 40%. By leveraging the expertise of these leading firms, organizations can mitigate risks, maintain full regulatory compliance, and scale their financial infrastructure to support a $1.5 trillion digital economy.

Frequently Asked Questions

Why is choosing a specialized fintech developer better than a general software firm?

Fintech requires a deep understanding of complex financial laws and data security that general firms often lack. Specialized partners already have the frameworks to handle sensitive banking data, which prevents costly legal mistakes and security breaches. Their niche expertise allows them to build systems that are both compliant and highly efficient from day one.

How can AI-driven credit scoring improve my business performance?

AI models can analyze thousands of data points instantly to provide a more accurate risk profile than traditional scoring methods. This allows your business to approve more loans safely while reducing the time spent on manual reviews by 40 percent. By catching subtle patterns in data, these systems also help prevent fraud before it happens.

Do I need to worry about global compliance if my business only operates locally?

Yes, because digital financial platforms often use international payment rails and cloud storage that fall under global standards like GDPR or PCI DSS. Working with a developer who understands these global rules ensures your platform is ready to scale into new markets without a total rebuild. This foresight protects your reputation and keeps your customer data safe across borders.

Will modernizing my legacy banking system disrupt my current operations?

A professional fintech partner uses a modular approach to update your system in stages rather than all at once. This method ensures your core services stay online while new, faster features are integrated into your existing workflow. Modernization actually reduces long-term risks by replacing outdated, vulnerable code with secure, cloud-native architecture.

What is the best way to verify if a fintech developer is truly secure?

Check for specific industry certifications like ISO 27001 for security management and ISO 9001 for quality. You should also ask for case studies where they successfully implemented KYC and AML protocols for other financial institutions. A trustworthy partner will be transparent about their security audits and their process for protecting user data.

Can small startups afford the same tech used by major banks?

Many top developers now offer “Banking-as-a-Service” or modular SDKs that allow smaller companies to use high-end financial tools without huge upfront costs. These pre-built solutions give startups access to enterprise-grade security and features like digital wallets at a fraction of the price. This levels the playing field, letting new companies compete with established financial giants.

Is it a myth that AI in finance completely replaces human loan officers?

The idea that AI makes humans obsolete is a common misconception; instead, it acts as a powerful assistant that handles repetitive data tasks. Human experts are still needed to oversee complex cases and make final decisions on high-level strategy. AI simply frees up your staff to focus on customer relationships and business growth rather than paperwork.

What is one immediate step I can take to improve my platform’s security?

You should implement multi-factor authentication and bank-grade encryption for all data transmissions immediately. Consult with a security expert to perform a gap analysis on your current system to find any hidden vulnerabilities. Fixing these small issues now can prevent massive financial losses and data leaks in the future.

How does blockchain technology fit into modern credit scoring?

Blockchain provides a transparent and unchangeable record of transactions, which makes verifying a borrower’s history much faster and more reliable. By using decentralized ledgers, fintech companies can reduce the risk of identity theft and ensure that data is accurate across different platforms. This technology adds a new layer of trust to the entire lending process.

What should I ask a potential partner after reading their initial proposal?

Ask them to explain their process for handling a major data breach and how they stay updated on changing regional financial laws. You want to see if they have a proactive plan for long-term maintenance rather than just building the initial software. A good partner will have clear answers regarding their support and how they help you stay compliant as regulations evolve.