Fintech App Development Company

Alive Inc is a global software development company that builds fintech products — digital wallets, payment apps, lending and investment platforms, and digital banking software — for startups, lenders, brokers and enterprises worldwide. PCI-DSS, KYC/AML and banking-API integration are handled as part of delivery.

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We have built payment, wallet, lending and finance-operations software since 2010, working to PCI-DSS and open-banking standards and integrating the payment rails, KYC providers and core-banking APIs each market requires.

Fintech & Financial Services Challenges We Solve

Regulatory compliance

PCI-DSS, PSD2 / open banking, and local licensing rules that differ in every market you launch in.

Payment security and fraud

Card data handling, 3-D Secure, tokenisation and real-time fraud checks that cannot be bolted on later.

Onboarding friction

KYC and AML checks that must be thorough for regulators but fast enough that users do not drop off.

Transaction scale

Ledgers and processing that stay correct and fast at peak volume.

Integration complexity

Connecting to banks, PSPs, card networks and open-banking aggregators, each with its own API.

User trust

A product that has to feel as safe and reliable as a bank from the first screen.

What We Build for Fintech & Financial Services

Digital Wallets & Payment Apps

Peer-to-peer transfers, bill pay, cards, top-ups and multi-currency balances.

Lending & BNPL Platforms

Loan origination, credit scoring, disbursement, repayment and collections workflows.

Neobank & Digital Banking

Account opening, cards, statements, and a full customer app on a compliant core.

Payment Gateway Integration

Stripe, Razorpay, PayPal, local PSPs and card networks integrated with reconciliation.

Trading & Investment Platforms

Portfolios, order flow, market data, and reporting for brokerages and wealth apps.

RegTech / KYC-AML Automation

Identity verification, sanctions and PEP screening, and transaction monitoring.

Technology & Standards We Work With

PCI-DSSPSD2 / Open BankingISO 200223-D SecurePlaidStripeAES-256OAuth 2.0KubernetesReactNode.jsPostgreSQL

How We Deliver

1. Discovery

We map your workflows, compliance requirements, integrations and success metrics before a line of code is written.

2. Architecture & Design

A solution architecture, data model and UX that fit your regulatory context and scale targets.

3. Agile Development

Two-week sprints with working software you can review, on your stack of choice.

4. Testing & Compliance

Functional, security and performance testing, plus the audit trail your industry expects.

5. Launch & Support

Deployment, monitoring, and a dedicated team for updates and enhancements after go-live.

Frequently Asked Questions

Yes. We design payment flows so card data is tokenised and never touches your servers where possible, and we build to PCI-DSS controls — encryption, segmentation, logging and access control — with documentation for your assessor.

Yes. We integrate Stripe, PayPal, Razorpay, local PSPs, card networks and open-banking aggregators, with reconciliation, webhooks and failover handling.

Yes. We build onboarding with document verification, biometric checks, sanctions/PEP screening and ongoing transaction monitoring, using specialist providers where that is faster and safer than building from scratch.

AES-256 at rest, TLS in transit, tokenisation of sensitive fields, least-privilege access, full audit trails, secrets management and independent security testing before launch.

Yes. We build the customer app, the operations console and the integrations to a banking-as-a-service or core-banking provider, plus the lending or account logic on top.

Yes. We build multi-currency ledgers, region-aware compliance rules and localisation so one platform can operate across markets.

Building for Fintech & Financial Services?

Tell us what you are trying to launch. You will get a scoped plan, a timeline and a fixed quote — no obligation.