Transform your business with fintech solutions


Use financial technology to create a seamless user experience, innovate, and deliver products your customers need.
Netguru during developing Fintech Product

Meet and exceed the expectations of your customer

Banks, insurers, and other financial companies can no longer afford to have no consistent digital journey. Their customers are expecting complex and highly personalized products, but also a frictionless experience – just as they would in any other industry.

Fintechs are quickly taking the field where incumbents have been failing. Using emerging technology, they deliver customer-centric products and find new efficiencies.

Why your financial company needs a digital boost


When designed and implemented the right way, digital solutions can help you optimize, reconfigure, and innovate your business.
  • benefit icon

    Use data to understand your clients better

    Find patterns in the behavior of your customers using ML algorithms and forecast when they will need specific products.

  • bank icon

    Build financial products your customers want

    Use intelligent platforms to replace generic products with a personalized and timely offering.

  • Timeline icon

    Create a frictionless omnichannel banking experience

    Integrate multiple digital channels and reinvent your customer experience with automation and advanced analytics.

  • Users icon

    Improve your customer service

    Deliver faster and more efficient customer support with robo-advisors, chatbots, and automation assisting human bank workers.

  • Money icon

    Widen the range of payment options

    Provide various payment option – from digital wallets to in-app purchases, P2P payments, cryptocurrencies, and more.

  • Security icon

    Enhance the security of transactions and data

    Protect sensitive data of your customers with solutions built on biometric verification, mobile authentication, or code-generating apps.

  • Saving icon

    Optimize your bank’s operational efficiency and costs

    Automate lead scoring, procurement, invoicing and other processes using digital workflows, ML, or NLP.

  • Mobile icon

    Offer self-service banking options

    Create banking tools that will respond to the growing autonomy of customers and their expectation to have their needs met 24/7.

Let's work together
My experience working with Netguru has been excellent. Outstanding software teams are resilient, and our developers at Netguru have certainly proven to be that.

Our Netguru friends have become as close to team members as possible and I am grateful for the care and excellence they have provided.
Gerardo Bonilla photo

Gerardo Bonilla

Head of Product at Moonfare

Revolutionize your financial product and the way you interact with customers

Embrace emerging technologies, spot new opportunities, and create financial products your customers need. Build a mobile banking app, widen the range of payment methods, or accelerate loan application processes.

Solutions that will move your financial company forward


Banks, insurers, and fintech companies grapple with many challenges today. At Netguru, we got to know these thoroughly as we have served clients in the financial services sector for over 12 years. Our experts will help you select the right solution to your needs – and support you in a broad range of areas of fintech product development.
  • Journey icon

    Digital banking journey review

    Analyze your existing setup and improve your bank’s digital customer journey. Refine the UX/UI of your apps, websites, and virtual assistants.

  • Stack icon

    Digital banking tools development

    Create banking platforms, mobile apps, and other tools that will respond to the specific needs of specific customer segments.

  • Robot icon

    Financial processes automation

    Use Machine Learning, NLP, and workflow automation to streamline laborious tasks in your back-office processes and customer support.

  • Networking icon

    Team extension

    Insufficient technical resources don’t have to stop your fintech product development. Netguru will support you with both consulting and software development services.

  • Design system icon

    Online payments audit

    Use technologies such as blockchain to add another layer of security to your online payments and protect your users’ data.

  • Love icon

    Customer loyalty program development

    Win your customers’ loyalty by providing them with tools such as digital assistants, personal finance management, or product comparison platforms.

  • bulb icon

    Insurance offering ideation

    Build insurance products and services that will help your customers discover their coverage gaps, review solutions, and provide flexible policies.

  • Client icon

    New business model discovery

    Use technology to create innovative solutions such as banking-as-a-platform or insurance cloud services.

Schedule a free expert session

The current state of affairs in the fintech industry

The rising number of online users and the aftermath of the early 21st century economic crises have led to the digitization of many financial products.

Fintech – a combination of financial services and technology – has been rapidly evolving in the last decade. Only in 2019, the global fintech market reached a value of almost $111.24B, with a predicted annual growth rate of approximately 10 percent by 2022.

The financial technology industry has rapidly matured in recent years. Once mostly catering to early tech adopters, fintechs are increasingly offering professional-grade solutions to mainstream consumers and businesses. Financial institutions are also increasingly engaging with fintech startups – either by investing in them or forging strategic partnerships.

According to McKinsey, almost 80 percent of incumbent financial organizations have entered the fintech space – and this number will most likely only grow in the future.

The future of fintech lies in technological disruption

The increasing popularity of digital payments, investments in blockchain technology, the rapid growth of e-commerce, and implications of COVID-19 are expected to drive the fintech market further.

Technology is indeed a significant disrupter when it comes to transforming how the financial services sector operates. By enabling today what was impossible yesterday, digital solutions allow financial companies to create innovations that drive their growth.

Intelligent automation, big data, cryptocurrencies, the cloud, AI and ML are among the top technologies that help organizations to push the envelope.

What is digital transformation?

In a nutshell, digital transformation is a process of integrating new technologies into all areas of business.

By doing so, companies can fundamentally change the way they operate by modifying their existing offering or creating new products, processes, customer experiences, and organizational culture.

Digital transformation is not just about enhancing traditional banking practices. It should rather be seen as reconfiguring these processes for the digital age to meet changing market expectations and seize new opportunities.

Successful examples of transformation prove that becoming digital-first is no longer an option but a must for financial companies which want to prosper in the new economy.

Digital transformation in fintech

The speed of change sweeping across the world of digital banking leaves no doubts about how deeply fintech is disrupting the financial industry.

An excellent example comes in the story of US Bancorp – a financial Leviathan boasting over $400B in assets. The institution teamed up with a fintech startup to create a mortgage app. Used in over 70% of applications, the new tool helped to simplify the process and reduce the approval timeline from 11 days to same-day decision.

Indeed, delivering enhanced customer experience and value for the user should be a guiding star for incumbent financial institutions seeking to innovate their offering and operations.

One of such areas could be using data to better understand their clients on a more individual level and provide them with fintech solutions that hit the spot.

Technologies enable creating more dynamic and personalized products users can tailor to their changing needs – just as Solarisbank did with great success.

Why not give your customers what they truly need – especially that digital technologies enable you to do so?

The benefits of digital transformation in financial technology

Incumbent financial companies are well aware of the new challenges. Forced to comply with strict regulations and organizational targets, they know that they can’t innovate at the pace set by startups.

Digital technologies help them introduce new business models, transforming the relationship with the customer and heading toward a more seamless, efficient interaction.

The existing legacy infrastructure is what limits traditional banks and insurers the most, hampering their digital transformation process. By investing in new tools, financial companies can embrace the flexibility they need to compete in the evolving digital market.

Agile and modular infrastructure is a must if incumbents want to keep up with the changing preferences of their customers.

By embracing the potential of financial technologies, they can add and remove services fast while offering the required levels of security and customer service. They can also predict future trends and subsequently release products that best respond to their customers’ expectations.

What challenges do the incumbents within the financial industry face?

Fintech-related loss of market share and margin pressure are becoming threats for the incumbents in the financial industry. As many as 75% of banking respondents in the PwC study fear that some part of their business is at risk due to fintech.

There are several reasons for this situation.

Firstly, clients are increasingly expecting offerings and overall relationships with banks to be seamless and address their particular needs. While startups are building fintech solutions to address this need, incumbents are still lagging.

Secondly, the increase in customer autonomy is becoming evident, especially considering how popular internet banking and apps have become.

Incumbents have been growing digital capabilities to match this trend, yet many still fail to integrate multiple digital channels into an omnichannel customer experience.

Fintechs, on the contrary, are much faster at collecting data to predict their clients’ needs, offer compelling value propositions, and generate new revenue streams.

Another challenge for incumbents is the fact that fintechs are also going directly to end-users and bypassing banks altogether. With the rise of P2P lending and solutions for customers with poor credit scores, many services offered by traditional banks are no longer sought-after.

Technology that reshapes the way financial institutions operate

The customer is the lifeblood of your business – so all fintech solutions we design and implement are 100 percent user-centric.

Companies we worked on fintech projects with

  • My experience working with Netguru has been excellent. Outstanding software teams are resilient, and our developers at Netguru have certainly proven to be that.
    Gerardo Bonilla photo

    Gerardo Bonilla

    Head of Product at Moonfare
  • The Netguru team really felt the prroduct. Your appoach to Cashcape went far beyond coding tickets in Jira. Netguru's QAs also did a tremendous job closing loopholes in our process, as well as finding and solving issues before they occurred.
    tim strieztel photo

    Tim Strietzel

    CTO at CashCape
  • Our cooperation with Netguru is a true partnership. Whenever we faced challenges this year, we could rely on Netguru for our urgent staffing needs and time-critical deliverables. The Netguru team has gone above and beyond any expectations of what a strong and reliable partner can be.
    Hima Mandali Solaris CTO

    Hima Mandali

    CTO at Solarisbank

Netguru in numbers

  • 12+

    Years on the market

  • 700+

    People on Board

  • 900+

    Projects Delivered

  • 67

    Our Current NPS Score

Delivered by Netguru


We are actively boosting our international footprint across various industries such as banking, healthcare, real estate, e-commerce, travel, and more. We deliver products to such brands as Solarisbank, PAYBACK, DAMAC, Volkswagen, Babbel, Santander, Keller Williams, and Hive.
  • Lead generation tool that helps travelers to make bookings

    $47M Granted in funding

  • Data-driven SME lending platform provider

    $20M Granted in funding

  • Investment platform that enable to invest in private equity funds

    $28M Granted in funding

  • Self-care mobile app that lets users practice gratitude

    $5M Granted in funding

Schedule a call with a fintech expert

Radek Zaleski

Radek Zaleski

Partner, Fintech Lead

Radek has over 15 years of experience in creating software both for large corporate clients, and fast-growing startups.

Click for the details