AppZoro is a fintech app development company working with lenders, payment companies and founders. We build onboarding, payments, lending and card products end to end, with security and compliance in from the first sprint.
Rated 4.7 out of 5 across verified client reviews.
Listed among leading custom software development companies in the United States.
Verified Atlanta software company, founded inside Atlanta Tech Village in 2016.
Ranked among the top app development agencies in the United States.
Listed among top software development companies in Atlanta, US.
As a fintech application development company, we build the products that hold customer money, and the controls that keep regulators satisfied.
Current accounts, onboarding, statements and card controls, delivered as a mobile first experience your support team can actually operate.
Domestic and cross border rails, stored value wallets, QR and tap to pay, tokenised and reconciled down to the cent every settlement cycle.
Origination, decisioning, servicing and collections, with rules engines your risk team can tune without filing an engineering ticket.
Brokerage, portfolio and robo advisory flows with market data, suitability checks and reporting that stands up to examination.
Quote, bind, claims and renewals in one system, so underwriting rules and customer experience stop living in separate tools. Quote, bind, claims and renewals in one system, so underwriting rules and customer experience stop living in separate tools.
KYC, AML screening, audit trails and reporting automated into the product, which is where fintech apps development usually gets expensive late.
Custody, stablecoin settlement and tokenisation work, scoped against the licence you hold rather than the one you hope to get.
Strangler pattern migrations off legacy cores, moving traffic service by service with no weekend cutover and no frozen roadmap.
Fintech mobile app development services continue after launch, with monitoring, release management and a named engineer on call.
We spend the first weeks understanding your licence, your ledger and your risk appetite before a single line of code is written. That is why our builds pass audit the first time.
Book a Discovery CallMost fintech projects do not fail on features. They fail when a security review lands two weeks before launch and the architecture cannot answer it. Our fintech app developers work the other way round. Data classification, encryption boundaries, access control and audit logging are decided in the architecture phase, written into the backlog, and tested in every sprint that follows.
We map each build to the frameworks that apply to you, whether that is PCI DSS for card data, SOC 2 for operational controls, GDPR and CCPA for personal data, PSD2 and strong customer authentication in Europe, or GLBA and state money transmitter rules in the US. You get the control matrix, the evidence and the test results, not a certificate someone else earned.
Three projects with genuinely different problems behind them. Court procedure in one, insurance paperwork in another and a manufacturer whose website was quietly costing them orders.
A secure web platform designed to let users participate in federal and district court proceedings remotely while supporting complex jurisdiction-specific processes.
Stack React, Node.js, AWS, Firebase on a serverless architecture.
A complete rideshare rental platform where drivers can find vehicles, book, pay, and manage insurance and registration requirements from one connected experience.
Stack React Native, Node.js, AWS, Firebase, and Stripe.
We rebuilt the digital experience around how textile buyers search for products and specifications, helping customers reach relevant information with fewer unnecessary steps.
Stack React, Node.js, AWS, and a responsive web architecture.
A specialized platform connecting law enforcement agencies with qualified off-duty officers while supporting assignments, reporting, custody workflows, and payments.
Stack React, React Native, Node.js, AWS, and PostgreSQL.
A cross-platform wellness app translating the brand's paper-planning experience into goal setting, mind mapping, habit tracking, and calendar-connected tools.
Stack React Native, Node.js, Firebase, and Google Calendar API.
Calls and sales are up by at least 20% now that we've launched the site.
Paawan Mathur
President, Apex Textile Company
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What stands out most is their strong execution and commitment to problem-solving.
Cole Sturdevant
CEO, Freedom RideShare Rentals, LLC
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They go above and beyond to communicate direction and are responsive to feedback.
Carey Markey
CEO, MEDcraze
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AppZoro made each project feel like it was their baby, and they seemed to care about nothing else.
Ed Bolian
Founder, VINwiki
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There's never been a language barrier or an issue with our difference in time zones. Their team has been really great.
Mario Gonzales
VP of Operations, Judicial Innovations
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They grasped what I wanted to accomplish and helped me get there. I'll never go elsewhere for an IT provider.
Steve Thompson
Founder, Beverage Solutions Group, LLC
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I've been very impressed with the dedication the AppZoro Technologies, Inc. team has to our project.
Max Hockley
Chief Strategy Officer, Jax Automotive, LLC
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In addition to superb communication, they built a very smooth app with intuitive navigation and a clean interface.
Thad Joseph
Founder, Turns Financing Services
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They do great work with integrity.
Karen Houghton
Director, Atlanta Tech Village
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AppZoro is a young company, and I've seen them grow and get better in the short time we've worked together.
Michael Patterson
CEO, CopyThat Technologies, LLC
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We haven't seen any weaknesses in their work.
John Cox
Co-Owner, Convoy Judicial Transport LLC
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Stripe, Adyen, Checkout.com and regional acquirers, wired with idempotent retries so a network blip never double charges a customer.
Unit, Treasury Prime, Mambu and Thought Machine, with a double entry ledger of your own so you are never guessing at a balance.
Plaid, MX, Tink and Yodlee for account linking, balance checks and income verification, with consent and revocation handled properly.
Persona, Onfido, Alloy and ComplyAdvantage, orchestrated so a failed check routes to review instead of dropping the applicant.
Marqeta, Galileo and Lithic for issuing, spend controls and authorisation logic that responds inside the network timeout.
NetSuite, QuickBooks and Avalara connected to your ledger, so finance closes the month without exporting anything by hand.
We use AI where it changes a number on your P and L, in fraud, underwriting and operations cost, and we leave it out where it only adds risk.
Models that score transactions in flight against behavioural and device signals, catching account takeover and mule activity without adding friction for the customers who are fine.
Alternative data underwriting using cash flow, bureau and open banking signals, with reason codes attached to every decision so adverse action notices write themselves.
Extraction and verification across identity documents, pay slips and bank statements, cutting manual review queues while keeping a human in the loop on edge cases.
Assistants grounded in your own product data and policy documents, answering balance, transaction and dispute questions without inventing an answer.
Categorisation, forecasting and nudges built on the customer's own transaction history, which is what turns a banking app into something people open weekly.
Alert scoring and narrative drafting that shortens investigation time per case, with the full audit trail your compliance team hands to examiners.
Document capture, liveness and sanctions screening in a flow that approves good customers in minutes and routes the rest to review, not to a dead end.
One product on iOS, Android and web through React Native or Flutter, with the same behaviour and the same release cadence on every surface.
Peer to peer and cross border payments that clear fast and fail clearly, with status the customer can read instead of a spinning wheel.
Secure account linking through open banking, letting users see balances and move money across institutions from one place.
Transaction alerts, security prompts and servicing messages delivered on time, with preferences the customer controls.
Categorised spending, goals and forecasts that give people a reason to open the app when they are not making a payment.
From compliance scoping and product design through to launch and app store approval, we run the whole build so you can run the business.
Start Your Project Today
You need a compliant MVP that a sponsor bank and an investor will both take seriously, on a fixed budget. We scope to the smallest build that clears diligence, then ship it in a fixed window. KYC, ledger and audit trail are in place from the first release, not retrofitted after the term sheet.
You have a core system that works and a digital experience that does not. We move one without breaking the other. We integrate around the core through APIs and middleware rather than replacing it, so branch and back office operations keep running. Migration happens in stages your risk team can sign off one at a time.
You need faster decisions without loosening risk, and a servicing stack your collections team can actually use. We build decisioning that pulls bureau, banking and alternative data into one rules engine your credit team controls without a developer. Servicing, hardship flows and collections run off the same record.
You are launching a card or a payments product and need issuing, ledger and dispute handling built correctly once. We build the double entry ledger, reconciliation and settlement logic first, because that is what is expensive to fix later. Card controls and chargeback handling follow scheme rules and your processor's certification requirements.
Frontend
ReactJS
Angular
Vue JS
TypeScript
HTML5
Figma
Backend
Node.js
Python
PHP
Java
PostgreSQL
MySQL
REST
Microsoft
.NET Core
Azure
GitHub
GitHub Actions
Mobile
Swift
SwiftUI
Kotlin
Jetpack Compose
Flutter
React Native
Android Studio
AI & ML
OpenAI
Anthropic Claude
PyTorch
Hugging Face
AWS Bedrock
Pinecone
Milvus
Devops
Docker
Kubernetes
Terraform
AWS
Google Cloud
Datadog
Each stage has an owner and a clear finish line. You see working software every two weeks, so you always know what is built, what is next and what stands between you and launch.
We map your product against the licences, frameworks and jurisdictions that apply, then turn each obligation into a backlog item with an owner.
System design, ledger model, data boundaries and integration contracts agreed and documented before build, with the trade offs written down.
Sandbox access, test data, provider contracts and migration plans arranged early, because integration waits are the most common cause of slipped dates.
A working slice of the real product in weeks, covering one full journey end to end, so feedback lands on software rather than on slides.
Penetration testing, threat modelling, control evidence and remediation completed before launch week, not discovered during it.
Staged rollout with monitoring, alerting and a rollback path, plus the metrics that tell you whether the release worked.
Ongoing releases, capacity planning and support under an agreed response time, with the same engineers who built the product.
Abhishek Parihar Delivery Head
Prabhat Garg Product Manager
Jayesh Sharma Design Lead
Juned Khan Head of Operations
Bring us the regulatory constraint, the integration or the deadline that is blocking you. We will tell you what it takes to solve, on the first call.
Book a Strategy CallFintech app development services cost more than a general consumer app because compliance, integrations and testing carry real weight. Most projects land in the bands below, and scope is what moves you between them.
$25k - $35k
One core journey, one integration partner, basic KYC and a single platform. Enough to prove demand and satisfy a sponsor bank review without overbuilding.
$35k - $50k
Multiple journeys, several integrations, admin console, dual platform release and a compliance and reporting layer your ops team runs day to day.
$50k - $80k
Custom ledger, card or lending infrastructure, advanced fraud tooling, certification support and the audit evidence a regulated launch demands.
Share your scope and timeline and we will come back with a roadmap, a phased estimate and the assumptions behind it.
Request a Quote
We build financial products that have to survive an audit, a fraud attempt and a traffic spike in the same quarter. That means senior engineers, documented decisions and security designed in rather than added later. Here is what that looks like in practice.
We have shipped products that handle customer funds, personal data and regulated decisions. That experience shows up as fewer surprises in security review and a shorter path from code complete to live.
Threat modelling, encryption boundaries, access control and audit logging are architecture decisions here, made in week one. Retrofitting them after a build is where fintech projects lose quarters.
The engineers on your first call are the engineers who write the code. We do not staff a pitch with architects and deliver with juniors, and our fintech application developers stay on the account.
We have worked with the processors, ledgers, KYC vendors and open banking providers you are evaluating, so integration estimates come from experience rather than from documentation.
Phased estimates with the assumptions written down, and every repository, pipeline and credential in your name from the first commit. No lock in and no licence you did not ask for.
Monitoring, releases and incident response under agreed response times, handled by the team that built the system. Launch is the start of the engagement, not the end of it.
Add vetted engineers to your existing team, contributing to your board and your standups from week one. Billed monthly, scaled up or down with notice.
A full pod of engineers, QA, design and a delivery lead who own a roadmap end to end, with a single point of accountability for outcomes.
A defined build with a defined price and date, suited to an MVP, a migration or a certification driven release with a hard deadline.
Regulated data, real money movement and audit exposure. A fintech build needs encryption, tokenisation, fraud controls, KYC flows and audit trails designed in from the first sprint. A general agency treats those as features to add later. In fintech, later means a rebuild.
Yes. We build to PCI DSS where card data is in scope, integrate KYC and identity verification providers, and implement AML screening and transaction monitoring hooks. We are not your compliance counsel. We build to the requirements your compliance team or licence conditions set and document the controls.
Card processors, ACH and wire rails, open banking aggregators, identity and document verification vendors, and core banking APIs. We work with whichever your business or licence partner requires rather than pushing a preferred vendor. Where integration options exist, we will show you the tradeoffs on cost and control before you commit.
Both. Pre licence, we build toward the requirements your sponsor bank or regulator will apply, so the product does not need reworking the week approval lands. For licensed institutions, we work inside existing controls and change management rather than around them.
Encryption in transit and at rest, no sensitive data cached on device, certificate pinning, biometric and multi factor authentication, session controls, jailbreak and root detection, and full audit logging server side. Card data is tokenised so it never sits in your database in a readable form.
Yes, and it goes faster when they do. We bring compliance into architecture review rather than at the end. Our engineers are used to producing control documentation, data flow diagrams and evidence in the format auditors expect.
Longer than a standard consumer app, because provider approvals, verification flows and security review sit on the path. We phase it so the core money flow ships first and secondary features follow. The integration and approval timelines from third party providers are usually the pacing item, not the code.
You own it. Repositories, infrastructure accounts and documentation transfer whenever you want them to. For a regulated product this matters more than usual, since regulators expect you to control and evidence your own systems rather than depend on a vendor's environment.
