Fintech Software Development Company
Secure, Compliant Financial Technology Solutions for Banks, Fintechs & Payment Processors
PCI DSS Compliant | SOC 2 Ready | Banking APIs | Blockchain | Dallas, Texas
$2.3B+
Transaction Volume Processed
15+
Fintech Projects Delivered
99.99%
System Uptime Achieved
Zero
Security Breaches
Expert Guidance By: Savas Tutumlu, Co-Founder & CTO
Fintech Experience: MIT-trained • 10+ years • PCI DSS compliance • $2.3B+ transactions processed • 100+ projects delivered
Expert Fintech Software Development Services
In the rapidly evolving financial technology landscape, security, compliance, and reliability are non-negotiable. Stratagem Systems specializes in building enterprise-grade fintech solutions that meet the stringent requirements of modern financial institutions while delivering exceptional user experiences.
Based in Dallas, Texas - one of America's emerging fintech hubs - we combine deep financial services expertise with cutting-edge technology. Our team has delivered payment processing systems handling $2.3 billion in transactions, mobile banking applications serving 500,000+ users, and blockchain solutions securing millions in digital assets.
Whether you're a traditional bank modernizing legacy systems, a fintech startup disrupting the industry, or a payment processor scaling operations, we deliver solutions that are secure, compliant, and built to scale.
Comprehensive Fintech Development Services
🏦 Mobile Banking Applications
Full-featured digital banking experiences for iOS and Android. Account management, transfers, bill pay, mobile check deposit, budgeting tools, and spending analytics.
- Biometric authentication (Face ID, Touch ID, fingerprint)
- Real-time transaction notifications
- Peer-to-peer payments (Zelle, Venmo-like features)
- Card controls (freeze/unfreeze, spending limits)
- Personal financial management (PFM) tools
- Multi-language and accessibility support
💳 Payment Processing Platforms
Secure payment gateways, merchant services, and POS systems. PCI DSS Level 1 compliant infrastructure handling millions of transactions.
- Multi-currency payment processing
- Tokenization and encryption
- Fraud detection and prevention
- 3D Secure authentication
- ACH and wire transfer processing
- Recurring billing and subscription management
- Payment analytics and reporting dashboards
⛓️ Blockchain & Cryptocurrency
Decentralized finance (DeFi) applications, cryptocurrency wallets, exchanges, and smart contract development for Ethereum and other blockchains.
- Cryptocurrency wallet development (hot/cold storage)
- Smart contract development and auditing (Solidity)
- DeFi protocols and liquidity pools
- NFT marketplaces and minting platforms
- Blockchain integration for existing systems
- Cryptocurrency payment gateway integration
📈 Trading & Investment Platforms
High-performance trading systems for stocks, forex, cryptocurrency, and derivatives. Real-time market data, order execution, and portfolio management.
- Real-time market data feeds integration
- Advanced charting and technical analysis tools
- Algorithmic trading and automated strategies
- Order management systems (OMS)
- Risk management and position monitoring
- Regulatory reporting (FINRA, SEC compliance)
💰 Lending & Credit Platforms
Digital lending solutions for personal loans, mortgages, BNPL, and peer-to-peer lending. Automated underwriting, credit decisioning, and loan servicing.
- Automated loan application and approval workflows
- Credit bureau integration (Equifax, Experian, TransUnion)
- Risk scoring and underwriting algorithms
- Loan origination system (LOS)
- Payment processing and collections management
- BNPL (Buy Now, Pay Later) solutions
- Regulatory compliance (Truth in Lending Act, ECOA)
💼 Wealth Management Solutions
Robo-advisors, portfolio management systems, and financial planning tools. Automated investment strategies with personalized recommendations.
- Robo-advisor algorithms and rebalancing
- Goal-based investing and retirement planning
- Tax-loss harvesting automation
- Portfolio analytics and performance tracking
- Client portal and reporting dashboards
- CRM integration for wealth advisors
🛡️ Insurance Technology (InsurTech)
Digital insurance platforms for policy management, claims processing, underwriting automation, and customer portals for health, auto, and life insurance.
- Online quote and policy purchase flows
- Automated underwriting and risk assessment
- Claims processing and fraud detection
- Policy management and billing systems
- Telematics integration for usage-based insurance
- Agent portal and commission management
⚖️ RegTech & Compliance Solutions
Regulatory technology for AML, KYC, fraud prevention, and compliance monitoring. Automated reporting and audit trail management.
- KYC/AML verification and screening
- Transaction monitoring and suspicious activity detection
- OFAC sanctions screening
- Regulatory reporting automation (SAR, CTR)
- Audit trail and compliance documentation
- Identity verification (IDV) integration
🔒 Bank-Grade Security & Regulatory Compliance
Financial software demands the highest security standards. Every solution we build incorporates multiple layers of protection and adheres to industry regulations.
Security Framework
Encryption & Data Protection
- End-to-End Encryption: AES-256 encryption for data at rest, TLS 1.3 for data in transit
- Tokenization: Replace sensitive data with tokens for PCI DSS compliance
- Key Management: Hardware Security Modules (HSM) and AWS KMS integration
- Database Encryption: Transparent data encryption (TDE) for all databases
Authentication & Access Control
- Multi-Factor Authentication: SMS, email, authenticator apps, biometric
- OAuth 2.0 & OpenID Connect: Industry-standard authentication protocols
- Role-Based Access Control (RBAC): Granular permission management
- Session Management: Secure token handling, automatic timeout
Fraud Prevention
- Real-Time Monitoring: Anomaly detection and behavioral analysis
- Machine Learning Models: Predictive fraud scoring
- Device Fingerprinting: Identify suspicious devices
- Velocity Checks: Transaction and login attempt rate limiting
Secure Development
- Code Security Audits: Automated scanning with SonarQube, Checkmarx
- Penetration Testing: Regular third-party security assessments
- OWASP Top 10: Protection against injection, XSS, CSRF, etc.
- Secure SDLC: Security integrated into every development phase
Regulatory Compliance
PCI DSS
Payment Card Industry Data Security Standard Level 1 compliance for payment processing. Secure cardholder data handling, network security, vulnerability management.
SOC 2 Type II
Service Organization Control certification for trust principles: security, availability, processing integrity, confidentiality, and privacy of customer data.
GLBA
Gramm-Leach-Bliley Act compliance for financial institutions. Safeguarding customer information, privacy notices, and information sharing restrictions.
GDPR & CCPA
Data privacy compliance for EU and California residents. Right to access, right to deletion, data portability, and consent management.
KYC & AML
Know Your Customer and Anti-Money Laundering compliance. Identity verification, customer due diligence, transaction monitoring, and suspicious activity reporting.
FINRA & SEC
Financial Industry Regulatory Authority and Securities Exchange Commission requirements for trading platforms. Record retention, trade reporting, and investor protection.
🔗 Financial System Integration Expertise
Modern fintech solutions require seamless integration with banking infrastructure, payment networks, and third-party services. We have extensive experience connecting to:
Core Banking Systems
- FIS (Financial Information Systems)
- Fiserv (Premier, Signature, DNA)
- Jack Henry (Symitar, Silverlake, CIF 20/20)
- Temenos (T24, Infinity)
- Oracle FLEXCUBE
- SAP Banking Services
Payment Gateways & Processors
- Stripe (Complete platform integration)
- Square (POS and payment processing)
- Adyen (Global payment platform)
- Authorize.net
- PayPal & Braintree
- Worldpay & First Data
Banking APIs & Open Banking
- Plaid (Bank account connectivity)
- Yodlee (Financial data aggregation)
- MX (Account connectivity and insights)
- Finicity (Mastercard Open Banking)
- Dwolla (ACH payment platform)
- Synapse (Banking-as-a-Service)
Credit Bureaus & Identity
- Equifax (Credit reports and scores)
- Experian (Credit data and verification)
- TransUnion (Credit monitoring)
- Jumio (Identity verification)
- Onfido (Document and biometric checks)
- Trulioo (Global identity verification)
Blockchain & Cryptocurrency
- Ethereum (Smart contracts)
- Bitcoin (Payment integration)
- Coinbase API (Cryptocurrency trading)
- Circle USDC (Stablecoin integration)
- Chainlink (Oracle data feeds)
- Alchemy & Infura (Blockchain infrastructure)
Market Data & Trading
- Bloomberg Terminal API
- Reuters (Refinitiv) Market Data
- Interactive Brokers API
- Alpaca (Commission-free trading API)
- Polygon.io (Real-time stock data)
- IEX Cloud (Financial data platform)
⚙️ Fintech Technology Stack
We use proven, enterprise-grade technologies specifically chosen for financial services applications - prioritizing security, scalability, and regulatory compliance.
Backend Development
- Node.js: High-performance async processing
- Python (Django): Secure web frameworks
- Java (Spring Boot): Enterprise banking apps
- .NET Core: Microsoft financial ecosystem
- Go: High-throughput trading systems
Frontend Development
- React: Dynamic financial dashboards
- Angular: Enterprise banking portals
- Vue.js: Lightweight payment interfaces
- TypeScript: Type-safe financial logic
- Chart.js/D3.js: Financial visualizations
Mobile Development
- React Native: Cross-platform banking apps
- Flutter: Beautiful fintech UIs
- Swift (iOS): Native Apple Pay integration
- Kotlin (Android): Native Google Pay
Databases
- PostgreSQL: ACID-compliant financial data
- MongoDB: Flexible document storage
- Redis: Real-time caching and sessions
- Amazon Aurora: Managed high-availability
- TimescaleDB: Time-series financial data
Cloud Infrastructure
- AWS: FinTech-certified infrastructure
- Azure: Enterprise banking cloud
- Google Cloud: AI/ML financial services
- Kubernetes: Container orchestration
- Terraform: Infrastructure as code
Real-Time Processing
- Apache Kafka: Event streaming
- RabbitMQ: Message queuing
- WebSockets: Real-time price updates
- GraphQL: Efficient data queries
📊 Fintech Success Stories
Mobile Banking App for Regional Bank
iOS & Android | Node.js Backend | PostgreSQL
Developed full-featured mobile banking application for a Texas regional bank with 150,000 customers. Features include account management, mobile check deposit, bill pay, P2P transfers, and spending analytics.
Results:
- 65% of customers adopted mobile banking within 6 months
- $450M in mobile transactions processed monthly
- 4.8/5.0 app store rating (2,500+ reviews)
- 40% reduction in branch visit costs
- Zero security incidents in 18 months
Payment Processing Platform
PCI DSS Level 1 | Stripe Integration | React Dashboard
Built enterprise payment gateway for e-commerce merchants with advanced fraud detection, multi-currency support, recurring billing, and comprehensive analytics dashboard.
Results:
- $1.8B in transaction volume processed
- 2,500+ merchants onboarded
- 99.98% payment success rate
- 85% reduction in fraudulent transactions
- PCI DSS Level 1 certification achieved
Cryptocurrency Trading Platform
Ethereum Smart Contracts | React Native | WebSocket APIs
Developed secure cryptocurrency exchange with real-time trading, advanced charting, automated trading bots, and hot/cold wallet management for Bitcoin, Ethereum, and 50+ altcoins.
Results:
- $280M in crypto assets under management
- 50,000+ active traders
- 10,000+ trades executed daily
- Sub-100ms order execution latency
- Multi-signature cold storage security
🚀 Our Fintech Development Process
Discovery & Compliance Planning
Comprehensive requirements gathering focusing on financial features, security requirements, and regulatory compliance. We identify all applicable regulations (PCI DSS, SOC 2, GLBA, etc.) and plan certification roadmaps.
Secure Architecture Design
Design system architecture with security at the foundation. Define data flows, encryption strategies, authentication mechanisms, fraud detection algorithms, and disaster recovery plans. Review with security experts.
Agile Development with Security Reviews
2-week sprints with security code reviews at every stage. Automated security scanning, manual penetration testing, and compliance validation. Continuous integration with security gates prevents vulnerable code from reaching production.
Integration & Testing
Connect to banking APIs, payment gateways, and third-party services in sandbox environments. Comprehensive testing including unit tests, integration tests, load testing, security testing, and user acceptance testing.
Compliance Audits & Certification
Third-party security audits, penetration testing reports, and compliance certification preparation. We work with qualified security assessors (QSAs) for PCI DSS and auditors for SOC 2 certification.
Phased Launch & Monitoring
Gradual rollout with beta testing, pilot groups, and phased feature releases. 24/7 monitoring for security threats, fraud attempts, system performance, and regulatory reporting. Immediate incident response protocols.
Ongoing Support & Compliance Updates
Continuous security monitoring, regular security patches, feature enhancements, and regulatory updates. Quarterly security audits, annual compliance recertification, and fraud detection model refinement.
🌟 Why Dallas for Fintech Development?
Dallas has emerged as one of America's leading fintech hubs, combining financial services expertise with technology innovation and competitive costs.
🏛️ Financial Services Hub
Dallas is headquarters to major financial institutions including JP Morgan Chase, Capital One, Charles Schwab, and TD Ameritrade. Deep pool of financial services expertise and industry connections.
💰 Cost Advantage
30-40% lower development costs vs Silicon Valley or NYC ($100-150/hr vs $150-250/hr). No state income tax attracting both talent and companies. Lower operating costs without sacrificing quality.
🎓 Talent Pipeline
Access to University of Texas at Dallas, SMU, and University of North Texas graduates. Strong computer science and business programs producing fintech-focused talent. Growing tech community.
⏰ Central Time Zone
Convenient for both coasts: overlap with NYC morning meetings and Silicon Valley afternoon calls. Ideal for serving national and international clients. Easy coordination with offshore teams.
🚀 Growing Fintech Ecosystem
Fintech accelerators (Capital Factory Dallas), venture capital presence, annual conferences (North Texas Fintech Summit), and active blockchain community. Proximity to Austin's thriving tech scene.
✈️ Business Infrastructure
Dallas/Fort Worth International Airport (largest in Texas), direct flights to all major US and international cities, modern business districts, and excellent telecommunications infrastructure.
❓ Frequently Asked Questions
What fintech software development services do you provide?
We provide comprehensive fintech software development including: mobile banking applications, payment processing platforms, blockchain and cryptocurrency solutions, trading and investment platforms, lending and credit systems, insurance technology (insurtech), wealth management platforms, regulatory compliance systems (RegTech), fraud detection and prevention, open banking API integration, and financial analytics dashboards. All solutions are built with bank-grade security and regulatory compliance.
How do you ensure financial software security and compliance?
We implement multi-layered security: PCI DSS Level 1 compliance for payment processing, SOC 2 Type II certification processes, end-to-end encryption (AES-256), multi-factor authentication (MFA), tokenization for sensitive data, secure API gateways, regular penetration testing, code security audits, OWASP Top 10 vulnerability protection, fraud detection algorithms, audit logging and monitoring, data residency compliance, and adherence to financial regulations including GDPR, CCPA, and regional banking laws.
What is the typical timeline for developing a fintech application?
Fintech development timelines vary by complexity: Mobile banking MVP (3-4 months), full-featured banking app (6-9 months), payment processing platform (4-6 months), trading platform (6-12 months), blockchain solution (4-8 months), lending platform (5-8 months). Timelines include security audits, compliance reviews, and regulatory testing. We use agile methodology with 2-week sprints for incremental delivery and early testing.
How much does fintech software development cost?
Fintech development costs range from $75,000 for basic mobile banking apps to $500,000+ for enterprise trading platforms. Factors affecting cost: complexity of financial features, number of integrations (payment gateways, banking APIs), security and compliance requirements, regulatory certifications needed, blockchain implementation, real-time transaction processing, fraud detection systems, and audit trail requirements. Dallas rates ($100-150/hr) offer 30-40% savings vs Silicon Valley while maintaining financial services expertise.
Can you integrate with existing banking systems and APIs?
Yes, we specialize in financial system integration: Core banking systems (FIS, Fiserv, Jack Henry, Temenos), payment gateways (Stripe, Square, Adyen, Authorize.net), banking APIs (Plaid, Yodlee, MX, Finicity), card networks (Visa, Mastercard), ACH processing, wire transfer systems, credit bureaus (Equifax, Experian, TransUnion), accounting software (QuickBooks, Xero), cryptocurrency exchanges, blockchain networks, fraud detection services (Sift, Kount), and identity verification (Jumio, Onfido). We handle complex multi-system orchestration and ensure data consistency.
Ready to Build Your Fintech Solution?
Let's discuss your financial technology project. Free security consultation and compliance assessment.
Dallas, Texas | Serving Financial Institutions Nationwide