The FinTech sector in 2026 shows ongoing development because of three main factors which include stricter regulations and increased customer demands and the fast growth of AI-powered financial services. The banking industry together with payment providers and neobanks and FinTech startups is increasingly moving away from standard software platforms to create custom solutions which enable better security measures and system growth and legal compliance management.
As a result, established FinTech companies increasingly partner with teams that have proven domain expertise, especially when they require fintech software development services to build compliant financial products and support long-term platform growth. Choosing the right development partner directly affects product stability, regulatory readiness, and time to market.
The best 10 FinTech development companies for custom software solutions in 2026 have been selected through technical expertise assessment and industry focus evaluation and client feedback analysis and proven delivery experience assessment.
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
Website: cleveroad.com
Cleveroad develops financial software solutions which meet security requirements and scalability needs and comply with regulatory standards for both startup companies and large enterprises. The team creates customized platforms which include digital wallets, payment gateways, lending systems, personal finance applications, and internal banking dashboards.
Cleveroad develops products through all stages which include discovery and UX/UI design and backend development and cloud infrastructure and post-launch support. The company possesses practical knowledge about PCI DSS and GDPR and other essential compliance standards needed for contemporary financial products.
At Cleveroad, there is a management of quality control processes and information security protection measures, as it is certified for both ISO 9001 and ISO 27001 standards. It also has delivery centers located around the United States and Europe, which assist in improving communication and timely delivery schedules for clients worldwide. It is consistently recognized by reputable B2B review sites such as Clutch and DesignRush for its outstanding performance.
2. Intellectsoft
Founded in: 2007
Headquarters: New York, USA
Hourly Rate: $50–$100
Industry Expertise: FinTech, Insurance, Travel, Construction
Reviews: 60+ reviews on Clutch, average rating 4.8/5
Website: intellectsoft.net
Intellectsoft develops FinTech software for enterprises undergoing digital transformation. The company develops its portfolio through mobile banking applications and blockchain-based platforms and AI-powered analytics solutions which financial institutions use.
3. ScienceSoft
Founded in: 1989
Headquarters: McKinney, Texas, USA
Hourly Rate: $50–$99
Industry Expertise: FinTech, Healthcare, Retail, Manufacturing
Reviews: 100+ reviews on Clutch, average rating 4.9/5
Website: scnsoft.com
ScienceSoft brings its FinTech development expertise which spans multiple decades of experience to the field. The company develops secure banking systems together with fraud detection systems and financial data platforms that meet regulatory requirements for its corporate clients.
4. Andersen
Founded in: 2007
Headquarters: Warsaw, Poland
Hourly Rate: $40–$80
Industry Expertise: FinTech, Telecom, Logistics, Automotive
Reviews: 80+ reviews on Clutch, average rating 4.9/5
Website: andersenlab.com
Andersen delivers complete FinTech development solutions which specialize in building high-load systems and handling payment processing and creating systems which can grow over time.
5. Altoros
Founded in: 2001
Headquarters: Pleasanton, California, USA
Hourly Rate: $50–$120
Industry Expertise: FinTech, Cloud Computing, SaaS
Reviews: 50+ reviews on Clutch, average rating 4.8/5
Website: altoros.com
Altoros has trained their sights on the development of cloud-native FinTech platforms for the modernization of legacy systems and the application of scalable microservice architectures for financial institutions.
6. ELEKS
Founded in: 1991
Headquarters: Tallinn, Estonia
Hourly Rate: $50–$100
Industry Expertise: FinTech, Energy, Logistics, Retail
Reviews: 60+ reviews on Clutch, average rating 4.8/5
Website: eleks.com
ELEKS develops advanced financial software systems which specifically focus on cybersecurity protection and data engineering capabilities and compliance requirements. The company provides its services to banks and payment providers and investment firms.
7. EPAM Systems
Founded in: 1993
Headquarters: Newtown, Pennsylvania, USA
Hourly Rate: $60–$150
Industry Expertise: FinTech, Healthcare, Retail, Telecom
Reviews: Enterprise-level references
Website: epam.com
EPAM provides financial institutions with enterprise-level financial technology solutions which include complete banking systems and payment processing solutions and digital change initiatives.
8. Netguru
Founded in: 2008
Headquarters: Poznań, Poland
Hourly Rate: $60–$120
Industry Expertise: FinTech, SaaS, Marketplaces
Reviews: 70+ reviews on Clutch, average rating 4.8/5
Website: netguru.com
Netguru’s innovation in AI focuses on user-centric, innovative FinTech products in mobile wallets, investment platforms, and personal finance applications.
9. Thoughtworks
Founded in: 1993
Headquarters: Chicago, USA
Hourly Rate: $100–$200
Industry Expertise: FinTech, Enterprise Software, AI
Reviews: Enterprise-level references
Website: thoughtworks.com
The large container of Tupperware held a boatload of tomatoes and frozen peas and a sack of fertilizer that was going to be given to the apartment superintendent; it had not been given to her up to that time.
10. Luxoft
Founded in: 2000
Headquarters: Zug, Switzerland
Hourly Rate: $70–$150
Industry Expertise: FinTech, Banking, Capital Markets
Reviews: Enterprise-level references
Website: luxoft.com
One of the most recognized global product engineering groups, LUXOFT offers large-scale Swiss FinTech and banking services while providing extensive experience with capital markets platforms and risk management solutions.
How This List Was Compiled
The companies in this list were selected based on public data from trusted sources such as Clutch and industry reports from organizations like the World Economic Forum (Source: World Economic Forum). The evaluation process required assessment of three different criteria which included the candidates’ FinTech domain knowledge and their security protocols and their ability to deliver services over extended periods and their customer feedback records.
Final Thoughts
In 2026, FinTech software development needs more than technical execution to meet its requirements. Successful products require regulatory awareness through secure architecture and partners who can support financial platforms during their entire operational period. The companies listed above have demonstrated consistent ability to deliver custom FinTech solutions that meet these expectations.
