Surf: DesignRush's Featured Fintech App Development Company

Surf is an award-winning software development company with over 13 years of cross-industry experience. Fintech apps encompass one of the agency’s main specialties, wherein it builds custom iOS, Android, and turnkey solutions, designed to enhance user engagement and boost conversions. To date, Surf has completed over 200 projects, helping customers achieve:

1. 25% higher user growth
2. 27% increase in active monthly users
3. 20% greater user activity in payments and transfers

Surf Has Been Entrusted for Fintech App Development Services by the Following Clients

What Can a Fintech App Development Company Do for Your Business

A fintech app development company can build secure, scalable, and user-friendly software solutions that elevate customer experience, drive growth, and streamline operations. Key benefits of its services include:

• Аpp design uses UI/UX frameworks to optimize user flows and interface responsiveness
• User story mapping visualizes feature backlogs by aligning epics with real user interactions
• Payment gateway integration ensures secure and reliable financial transactions across multiple platforms
• App testing ensures reliability and performance through systematic quality assurance

When executed effectively, a fintech app can amplify user convenience, improve transaction efficiency, and provide real-time insights into finances. On the other hand, a poorly developed app with security vulnerabilities, slow performance, or a confusing interface can result in decreased trust, customer churn, and potentially severe financial losses.

Why Choose Surf for Your Next Fintech App Development Project

Surf is known for:

• Holding more than 150 international awards
• Being one of the first three Google-certified software development agencies
• Its proprietary "SurfGen" solution that accelerates app service layer development by up to 3-4 times

Surf Might Not Be the Best Fit For

Surf might not suit the following categories:

• Companies requiring strict budget management, as some clients have reported instances of budget overruns during projects
• Businesses seeking a broader range of services, as the agency's offerings may be more limited compared to similar agencies

Outstanding Fintech App Development Services Offered by Surf

Outstanding fintech app development services offered by Surf include:

1. Fintech app design

Surf conducts audience research, including JTBD (Jobs To Be Done) interviews and CJM (Customer Journey Mapping) workshops, to gain insight into user behavior and address potential barriers. It focuses on effective UX/UI methodologies that consider bottlenecks and negative scenarios alike.

2. Custom mobile app development

The software company builds custom mobile applications using native technologies like Swift and Kotlin, as well as cross-platform solutions with Flutter. The end products are optimized for integration with internal systems such as CRM, ERP, and ABS, as well as external resources.

3. Neobanking app development

Surf develops powerful and secure neobanking apps such as mobile payment solutions and online loan applications, often including loyalty programs and AI chatbots. When building banking solutions, the company prioritizes security and compliance with industry standards, particularly the Know Your Customer (KYC) criteria. The apps also feature expense analytics to help users track their spending.

4. Trading platform development

The company’s trading apps offer real-time market navigation, customizable charts, and AI-powered solutions to enable informed decision-making. With built-in education features and stock trading digitization, Surf ensures users have the tools and insights to navigate the financial markets confidently.

5. User story mapping

Surf uses user story mapping to thoroughly analyze the user journey within fintech applications. This process helps identify pain points and optimizes the design and functionality, ensuring that each feature enhances the user experience, simplifies financial tasks, and supports smooth interaction with the app.

6. Security implementation

Surf integrates state-of-the-art encryption and multi-factor authentication mechanisms to ensure compliance with global data protection regulations. These safety measures are deployed to protect sensitive financial data and instill confidence across users when making transactions.

7. Application testing and launch

Surf's quality assurance process is led by ISTQB-certified QA engineers with expertise in mobile banking. Automated tests ensure that key features like real-time transactions, security measures, and performance optimization are thoroughly validated, which promises the app is launch-ready and performs as expected.

Surf Has Made Its Mark in the Fintech Industry

Surf’s extensive experience in developing fintech apps enables it to create high-performing, practical digital assets. Here are some key outcomes it has achieved for clients:

• Developed the first European Flutter banking app for a Société Générale Group
• Improved conversion rates for a TOP-15 European bank
• Created an advanced crypto trading tool for Twim
• Considerably improved the user experience for a B2C mobile bank
• Helped Burger King dominate the food category across Android and iOS app stores

See Why Businesses Choose Surf for Exceptional Fintech App Development Services

1. Mobile App Development for a Fintech Company

“Thanks to Surf's work, the client has received positive feedback from end users for the app's usability and functionality. Their extensive experience in banking and technical knowledge are hallmarks of their work.”

Tim Kolchkov
Head of Mobile Banking App Development at Fintech Company

2. Mobile App Development for PSB Bank

“We already have working mobile banking for our individual clients. The important point was to focus on enterprise because it makes a substantial part of our turnover. The app provides user-friendly concierge services and news for VIP clients.”

Denis Sokolov
IT Project Manager at PSB bank

3. Mobile App Development for European National Bank

“The team leads a seamless workflow by being transparent and receptive to feedback. Their ability to leverage their relevant industry experience into top-notch solutions stands out.”

Julia Silvian
Project manager at European National Bank

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Awards

Certifications

FAQs About Surf

Q1: Why do businesses choose Surf for their fintech app development needs?

A1: Businesses choose Surf for its high-performing fintech apps that are built to solve real financial challenges. Surf’s portfolio includes everything from mobile banking to payment systems, designed to be scalable, secure, and easy to integrate.

Q2: What makes Surf different from other fintech app development companies?

A2: Surf stands out due to its ability to dynamically scale with traffic spikes, optimize for performance, and minimize configuration requirements, offering fintech businesses a unique advantage in presenting practical and secure apps to their users.

Q3: How does Surf measure success?

A3: Surf measures success through product performance metrics, user engagement analytics, and adherence to business KPIs defined during project scoping. The team also emphasizes long-term value by aligning technical outcomes with client growth objectives and end-user satisfaction.

Q4: What is Surf's onboarding process like?

A4: Surf’s onboarding process involves conducting in-depth audience research, user journey mapping, and UX/UI prototyping to define product scope, followed by technical planning that aligns with fintech compliance and integration requirements. This structured approach grants a frictionless transition into development with clearly defined deliverables and user-centric design foundations.

Q5: What is Surf’s process for building fintech apps?

A5: The company’s process for building fintech apps follows an end-to-end pipeline that includes UI/UX design rooted in user behavior analysis, native or cross-platform development, and integration with internal banking systems. The workflow is further reinforced by automated testing, CI/CD pipelines, and compliance-driven release practices.

Q6: What is Surf’s average hourly rate?

A6: Surf charges an average hourly rate of $49, with its minimum project budget ranging from $25,000 to $50,000. The final cost depends on the project’s scope, complexity, and features. For a detailed quote, contact Surf directly through the contact form below.

Case Studies by Surf

While client testimonials offer valuable insight, they only provide a glimpse of an agency's capabilities. Case studies, on the other hand, reflect an agency’s problem-solving abilities and how it conveys project visions into tangible products.

To highlight Surf's expertise in fintech app development, we’ve selected several case studies that focus on security, transaction speed, scalability, and regulatory compliance. These success stories showcase the agency’s technical prowess and underscore its ability to deliver secure, efficient, and innovative solutions tailored to the unique demands of the fintech industry.

1. SBI Bank’s 25% Increase in New Users

• Challenge: SBI Bank needed to revamp its outdated family banking app to attract more users. Surf was tasked with developing a native app from scratch that’s simple enough to be used by non-tech-savvy users as well, with a focus on shared accounts, budgeting, and financial education.
• Solution: Surf built a new mobile app with modern, pastel-themed visuals. The team integrated features such as shared accounts, task-based rewards for kids, and family-wide cashback programs. The app was envisioned as a transparent family banking tool where the main account owner can monitor linked cards, set individual spending limits, and track expenses.
• Results: Compared to the old app, the solution saw a 27% rise in monthly active users and a 25% increase in new users. In 2022, the product was also voted a notable family banking product, boasting over 9,000 users.

2. A Fintech Startup’s Successful Launch with 3,000 Users

• Challenge: Pakistani fintech startup sought to create the country’s first neobank app and provide accessible digital banking services to the largely unbanked population, targeting tech-savvy millennials.
• Solution: Surf developed a Flutter-based app that allowed virtual and physical card ordering, remote verification, online transactions, and bill payments. The mobile solution introduced several essential features previously unavailable in Pakistani banks, including transaction history, bank-to-bank transfers, intrabank transfers by phone number, card limit settings, and more. The app was designed with a minimalistic UI and integrated various software development kits (SDKs) like I2C and IDWise to accelerate development.
• Results: The app was launched as an early access program, boasting over 3,000 users. It has later become an in-house project, with the bank continuing to manage and expand its functionalities. The app also represents one of the first Flutter-based fintech solutions in the region.

3. A Banking Group’s 20% Increase in User Activity

• Challenge: A newly merged banking group needed a unified mobile app that would cater to customers of all five distinct banks. The project had a tight deadline for the first release, requiring adaptation of the bank’s processes and infrastructure to fit mobile development standards.
• Solution: Surf helped the client transition to a mobile app by optimizing business requirements for mobile, adjusting backend processes, and addressing technical constraints. The team streamlined the UI design and supported the banking group in adapting business flows for mobile operations, such as QR code payments, online loan applications, and geolocation-based ATM searches. To ensure stability, 824 manual tests were conducted on payments, transfers, and product features before the app’s first release.
• Results: The unified app led to a 20% increase in user activity, particularly in payments and transfers. Additional features like personalized offers, online chat, and a loyalty program further enhanced user engagement.

4. B2C Mobile Bank’s 70% Cost Reduction

• Challenge: A B2C mobile bank struggled with poor authorization and registration issues, requesting a complete overhaul of its outdated native banking app. Additionally, the client wanted to implement test automation for faster bug fixes and quality maintenance, all within a large scope and tight development timeline.
• Solution: Surf developed a new Flutter-based app with multiple authorization mechanisms. The app’s home screen provided an overview of all banking products, allowing users to hide unused items and access accounts, cards, loans, and deposits. The product enabled users to filter transaction history by type and date while featuring an expense analysis tool that breaks down spending by category.
• Results: The app’s underlying Flutter framework enabled significantly accelerated development, entailing a 70% cost reduction for the bank's second app, which shares the same codebase.

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The Expert Team Behind Surf

Understanding the vision and leadership behind a company is key to comprehending its approach and dedication to quality. The teams responsible for creating and maintaining the products often embody the values of their founders. That’s why it’s essential to highlight the individuals leading the charge.

Surf’s team consists of over 250 talented developers, designers, and support professionals committed to creating reliable and cutting-edge fintech solutions. Led by visionary founders, the team emphasizes security, scalability, and intuitive user interfaces, ensuring the products meet the ever-evolving needs of the finance sector.

Artyom Plastinin

Role: COO

Artyom Plastinin boasts over 4 years of leadership experience in the IT sector. His expertise in workflow optimization, resource allocation, and organizational goals alignment has led to notable improvements, including a boost in profitability and company margin.

In his role as a COO, Plastinin has expanded Surf’s team, built agile departments, and helped launch a corporate university that graduated 50+ professionals. In terms of academic achievements, he holds a bachelor’s degree in Information Technology from Voronezh State University.

Social media accounts of Surf

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• LinkedIn

Why Surf Is Our Featured Fintech App Development Company

Our team at DesignRush performed an extensive analysis of top fintech app development companies. Surf stood out due to its technical prowess and out-of-the-box problem solving.

Key Reasons:

• Proven track record: Surf has delivered over 200 products for clients across different verticals.
• Domain expertise: Surf proficiently develops neobanking, trading, and crypto apps with features like real-time data visualization, AI-powered assistants, and secure KYC flows.
• Robust DevOps and QA practices: The company ensures rapid rollouts via CI/CD pipelines and covers up to 80% of use cases with automated testing, optimizing both release speed and reliability.

DesignRush Seal of Approval

At DesignRush, we carefully review agencies to ensure they meet our high standards, and we found that Surf is a proven top performer.

Our team was impressed by the agency’s creativity, strong results, and commitment to client success, which set them apart. For us, Surf is a 5-star agency that consistently exceeds expectations.

The DesignRush Team

We believe partnering with a top-tier agency like Surf can make a real difference in achieving your business goals, and we’re excited to help you take the next step.

Our Tips on How to Move Forward

1. Schedule a meeting with the agency

Fill in the contact form below to book a consultation with Surf. This preliminary meeting is a good opportunity to discuss project goals and details.

2. Prepare questions for the meeting

To assess Surf’s ability to convey your vision, consider asking some of the following questions:

• App accessibility
  • What steps do you take to ensure the fintech app performs well across different screen sizes and devices?
  • Why ask this? Users expect a seamless experience across smartphones, tablets, and desktops. Apps with responsive designs promote better usability, engagement, and retention.
• Fintech app development expertise
  • What level of experience does your team have with fintech solutions?
  • Why ask this? Understanding the team’s experience with fintech solutions helps assess their ability to tailor the app to user expectations, such as instant transaction feedback, frictionless account linking, and clear spending insights. This can also help you determine whether the company can ensure reliability during peak usage and design interfaces that simplify complex financial operations.
• System integration
  • Can you integrate external tools, APIs, or other business systems into the app?
  • Why ask this? Many fintech apps require third-party integrations for payment gateways, customer management, data analytics, and other business functions. These integrations extend the app’s capabilities and streamline business workflows.
• Data protection and compliance
  • What measures do you take to safeguard user data and ensure compliance with industry regulations?
  • Why ask this? Security is crucial in fintech applications. Proper encryption, authentication protocols, and compliance with data protection regulations ensure your app remains secure, trustworthy, and reliable for users.
• Pricing
  • Can you provide a detailed breakdown of the development costs, including potential additional charges?
  • Why ask this? A transparent pricing structure helps you plan your budget effectively. Understanding all costs from the outset minimizes surprises and ensures the project stays on track without hidden expenses.

Additional Tips

• Identify your target users: Define the primary audience for your fintech app, factoring in their behaviors, security concerns, and expectations. Surf’s team can then tailor a solution that covers these aspects.
• Define product goals: Establishing clear objectives will help Surf develop a focused, purpose-driven fintech app that fully conveys your vision.
• Highlight your unique value proposition: Identify the key features or functionalities that set your fintech app apart. With these differentiation factors in mind, Surf can design an app that stands out in the marketplace, attracts users, and drives long-term user retention.

Need Further Assistance?

If you need further guidance on how to proceed, reach out to our team at DesignRush. We’re here to help you make the best decision for your business.