Fintech Software Development
Build financial software that performs under pressure — real-time payments, AI-driven risk engines, core banking platforms, and digital customer experiences. We deliver secure, compliant, and scalable fintech solutions for banks, payment processors, lenders, and startups.
Financial Engineering from Strategy to Working Code
Banks and fintechs don’t fail because of bad strategy — they fail at execution. Plus8Soft bridges that gap. We’re a technical execution partner that takes roadmaps from advisors and turns them into production systems: core banking modernization without big-bang risk, AI that’s governed and explainable from day one, payment rails that actually work in real time. Our engineers understand rating engines, token vaults, regulatory frameworks, and the difference between a demo and a system that handles money at scale.
Services
01
Core Banking Modernization
We modernize legacy core systems without replacing them overnight. API abstraction layers over mainframes, progressive decoupling of product logic from legacy ledgers, and phased migration to cloud-native architectures. Your bank keeps running while the technology catches up — no €45M big-bang rewrites, no TSB-style disasters.
01
We modernize legacy core systems without replacing them overnight. API abstraction layers over mainframes, progressive decoupling of product logic from legacy ledgers, and phased migration to cloud-native architectures. Your bank keeps running while the technology catches up — no €45M big-bang rewrites, no TSB-style disasters.
02
Digital Banking & Mobile Platforms
We build consumer and SMB banking applications — multi-currency accounts, instant transfers, biometric authentication, real-time notifications, and automated tax reporting. Purpose-built for the segment you serve, whether that's retail customers, freelancers, or small businesses.
02
We build consumer and SMB banking applications — multi-currency accounts, instant transfers, biometric authentication, real-time notifications, and automated tax reporting. Purpose-built for the segment you serve, whether that's retail customers, freelancers, or small businesses.
03
Payments & Real-Time Infrastructure
We engineer payment systems for the real-time era — RTP and FedNow integration, ISO 20022 migration, payment orchestration, multi-currency processing, and instant settlement. From P2P transfers to B2B invoice payments, we build the rails that move money at the speed customers expect.
03
We engineer payment systems for the real-time era — RTP and FedNow integration, ISO 20022 migration, payment orchestration, multi-currency processing, and instant settlement. From P2P transfers to B2B invoice payments, we build the rails that move money at the speed customers expect.
04
AI & Predictive Analytics
We embed AI into financial workflows — fraud detection with real-time behavioral analysis, AML transaction monitoring with graph neural networks, credit scoring with alternative data, churn prediction, and hyper-personalized cross-selling engines. Production-grade models with MLOps pipelines, not one-off proofs of concept.
04
We embed AI into financial workflows — fraud detection with real-time behavioral analysis, AML transaction monitoring with graph neural networks, credit scoring with alternative data, churn prediction, and hyper-personalized cross-selling engines. Production-grade models with MLOps pipelines, not one-off proofs of concept.
05
Fraud Detection & Financial Crime
We build converged security platforms that unify fraud detection, AML screening, and KYC verification into a single intelligence layer. Real-time transaction scoring, automated L1 alert triage, sanctions screening, and case management — designed to keep false positives low and detection rates high.
05
We build converged security platforms that unify fraud detection, AML screening, and KYC verification into a single intelligence layer. Real-time transaction scoring, automated L1 alert triage, sanctions screening, and case management — designed to keep false positives low and detection rates high.
06
Regulatory & Compliance Automation
We automate compliance workflows — automated regulatory reporting with anomaly detection, KYC/KYB remediation with OCR and NLP, CFPB 1033 open banking readiness, PSD2/PSD3 compliance, and audit-trail-ready architectures. Compliance as code, not compliance as paperwork.
06
We automate compliance workflows — automated regulatory reporting with anomaly detection, KYC/KYB remediation with OCR and NLP, CFPB 1033 open banking readiness, PSD2/PSD3 compliance, and audit-trail-ready architectures. Compliance as code, not compliance as paperwork.
07
Lending & Credit Platforms
We build digital lending infrastructure — automated loan origination, instant credit decisioning, alternative data scoring for thin-file applicants, early warning models that predict defaults 3–6 months ahead, and end-to-end loan lifecycle management. For retail mortgages, SMB working capital, BNPL, or microfinance.
07
We build digital lending infrastructure — automated loan origination, instant credit decisioning, alternative data scoring for thin-file applicants, early warning models that predict defaults 3–6 months ahead, and end-to-end loan lifecycle management. For retail mortgages, SMB working capital, BNPL, or microfinance.
08
Tokenization & Digital Assets
We develop token vault systems, crypto exchange platforms, digital wallet infrastructure, and blockchain-based settlement solutions. Network tokenization that improves authorization rates, custodial and non-custodial wallet architectures, and multi-country fiat-crypto integration — built for markets where security and speed are non-negotiable.
08
We develop token vault systems, crypto exchange platforms, digital wallet infrastructure, and blockchain-based settlement solutions. Network tokenization that improves authorization rates, custodial and non-custodial wallet architectures, and multi-country fiat-crypto integration — built for markets where security and speed are non-negotiable.
09
Open Banking & Embedded Finance
We build API ecosystems that turn your banking capabilities into platform services — developer portals, consent management, data aggregation layers, and partnership fabric for PFM apps, accounting tools, and vertical SaaS integrations. Ready for CFPB 1033, PSD2, and open banking frameworks globally.
09
We build API ecosystems that turn your banking capabilities into platform services — developer portals, consent management, data aggregation layers, and partnership fabric for PFM apps, accounting tools, and vertical SaaS integrations. Ready for CFPB 1033, PSD2, and open banking frameworks globally.
10
Loyalty, Rewards & Engagement
We develop loyalty platforms with flexible cashback mechanics, bonus-to-reward conversion, gamification systems, and integration with trading and investment features. Designed to increase daily active sessions, boost retention, and create engagement loops that keep users coming back.
10
We develop loyalty platforms with flexible cashback mechanics, bonus-to-reward conversion, gamification systems, and integration with trading and investment features. Designed to increase daily active sessions, boost retention, and create engagement loops that keep users coming back.
Capabilities
Real-Time Payment Processing
High-throughput payment engines supporting RTP, FedNow, SWIFT, SEPA, and card network rails — with multi-currency support, instant settlement, and reconciliation automation.
Network Tokenization
Secure token vault systems for card-on-file and payment credentials — improving authorization rates by 6%+ while reducing fraud losses and PCI scope.
AI/ML Model Operations
End-to-end MLOps pipelines — model training, deployment, monitoring, drift detection, and automated retraining. Built for regulated environments with Model Risk Management (SR 11-7) compliance.
KYC/AML Automation
Automated identity verification, document extraction (OCR/NLP), continuous monitoring, sanctions screening, and risk profile updates — scaling compliance operations without scaling headcount.
API Gateway & Integration
Custom API layers connecting modern applications with legacy cores (Temenos, Finacle, Hogan), CRM systems, payment networks, and third-party fintech services — clean, documented, production-grade.
Regulatory Reporting
Automated data aggregation, validation, and submission for regulatory reports — with real-time dashboards, anomaly detection, and audit-ready documentation that eliminates manual errors.
Data Platform & Analytics
Centralized financial data infrastructure — data lakes, analytical data marts, real-time dashboards, and predictive analytics engines that unify retail, commercial, risk, and compliance data.
Cybersecurity & Zero Trust
Behavioral biometrics, transaction-level risk scoring, Zero Trust architecture patterns, DevSecOps pipelines, and penetration testing — protecting financial systems at every layer.
High-throughput payment engines supporting RTP, FedNow, SWIFT, SEPA, and card network rails — with multi-currency support, instant settlement, and reconciliation automation.
Our Case Studies
Hola Salud
Hola Salud
A Mexican digital health platform for personalized, medically supervised weight-management plans—including GLP-1 medications.
Environmental AI
Environmental AI
Environmental compliance automation.
We built a RAG-based system that automates environmental assessment documents and regulatory templates, cutting preparation time by up to 90%.
Revvel
Revvel
An AI-powered system that turns real human performance experts into digital twins that guide women’s health and longevity.
InnerPeak.AI
InnerPeak.AI
Student mental wellness platform.
We developed a comprehensive web and mobile application that provides students and teachers with 24/7 personalized support and engaging resilience training to build essential life skills.
Hello, We Hire
Hello, We Hire
AI-driven recruitment automation platform.
We built an AI-powered recruitment system with automated pre-screening, real-time skills evaluation, and multi-stage verification that speeds up hiring by 94%.
Hola Salud
Hola Salud
A Mexican digital health platform for personalized, medically supervised weight-management plans—including GLP-1 medications.
Environmental AI
Environmental AI
Environmental compliance automation.
We built a RAG-based system that automates environmental assessment documents and regulatory templates, cutting preparation time by up to 90%.
Revvel
Revvel
An AI-powered system that turns real human performance experts into digital twins that guide women’s health and longevity.
InnerPeak.AI
InnerPeak.AI
Student mental wellness platform.
We developed a comprehensive web and mobile application that provides students and teachers with 24/7 personalized support and engaging resilience training to build essential life skills.
Hello, We Hire
Hello, We Hire
AI-driven recruitment automation platform.
We built an AI-powered recruitment system with automated pre-screening, real-time skills evaluation, and multi-stage verification that speeds up hiring by 94%.
Flexible Developer Hiring Model
Your priorities define the way we work together — from how much control you want to the level of flexibility your project demands.
Team
Augmentation
Augmentation
Quickly scale your workforce with skilled developers who integrate seamlessly into your in-house team, filling talent gaps and boosting productivity.
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Dedicated
Development Team
Development Team
A whole, cross-functional team working exclusively on your project, providing end-to-end development, management, and long-term support.
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Software Development Outsourcing
Delegate your entire project to our specialists and focus on business growth, while we handle development, delivery, and quality.
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Why Plus8Soft?
01
Experience
Multiplied by AI
Multiplied by AI
We blend deep engineering expertise with cutting-edge AI acceleration. By integrating intelligent tools into our workflow, we don't just write code—we engineer solutions faster and with higher precision.
02
Business-First
Transparency
Transparency
We look beyond the ticket. Our team operates with hyper-transparency, treating your budget and goals as our own. We align technical decisions with your business strategy to create real, measurable value.
03
Committed to
Overdelivery
Overdelivery
Meeting requirements is our baseline; exceeding them is our culture. Whether it's optimizing performance, refining UX, or anticipating future scalability, we consistently go the extra mile.
Frequently Asked Questions
What types of financial companies do you work with?
Retail and commercial banks, payment processors, digital lenders, neobanks, crypto exchanges, insurtech companies, and fintech startups. Experience spans community banks ($1B–$50B assets) to enterprise-scale institutions across the US, Canada, Europe, and emerging markets.
Can you modernize our core banking system without service disruption?
Yes. Progressive modernization — API abstraction layers over existing cores, phased migration of product logic, and parallel-run environments. Your legacy system remains the system of record while modern applications access data through fast, compliant APIs. We've extended mainframe lifespans by 5+ years while dramatically improving mobile response times.
How do you handle financial regulatory compliance?
Compliance is built into every layer. Automated regulatory reporting, Model Risk Management (SR 11-7) for AI systems, CFPB 1033 open banking readiness, PSD2 compliance, SOX controls, and PCI DSS security requirements. Architectures designed to be audit-ready from day one.
What AI capabilities do you deliver for financial services?
Production-grade AI across the financial lifecycle: fraud detection (real-time behavioral analysis), AML monitoring (graph neural networks), credit decisioning (alternative data models), customer personalization (next-best-action engines), regulatory automation (document processing, reporting QA), and operational efficiency (automated claims triage, KYC remediation). All models include governance, explainability, and bias testing.
Do you build crypto and digital asset platforms?
Yes. We've built crypto exchange platforms with native mobile apps, secure wallet operations, multi-country fiat integration, automated KYC/AML compliance, and real-time trading engines. We also develop network tokenization vaults for payment processors and digital asset custody solutions.
How long does a fintech platform take to build?
Mobile banking MVP: 4–6 months. Core banking modernization with API gateway and payment integration: 12–18 months with phased delivery. Agile sprints with production releases every 2–4 weeks, so you see working software from month one and can measure ROI incrementally.