Top Custom Fintech software development companies in Singapore

Singapore stands at the forefront of fintech innovation in Asia, offering a thriving ecosystem backed by strong regulatory frameworks, government support, and a highly skilled tech workforce. As digital financial services continue to evolve, businesses increasingly seek customized fintech software to meet their unique operational, compliance, and customer engagement needs.

Whether you're a financial institution building a next-gen banking platform, a startup launching a peer-to-peer lending app, or an enterprise seeking secure payment gateway integration, choosing the right software development partner is crucial. This guide highlights the top custom fintech software development companies based in Singapore, each known for their technical expertise, industry-specific solutions, and ability to deliver scalable, secure, and innovative financial technology.

List of Top Custom Fintech Software Development Companies in Singapore

Here’s a carefully curated list of Top Custom Fintech Software Development Companies in Singapore, ideal for business leaders seeking dependable and high-impact digital finance partners. All are thoroughly local and recognized in the industry.

1. Ditstek Innovations

Headquartered in Singapore with global reach, DITSTEK Innovations excels in bespoke fintech solutions—banking platforms, payment gateways, wealth-management tools, compliance engines, and risk analytics systems. Their team combines deep finance domain knowledge with modern architectures, agile delivery, and rigorous security practices. For businesses aiming to launch digital banking services, credit platforms, or integrated financial ecosystems, DITSTEK offers end-to-end support—from discovery and prototyping to continuous support and feature expansion.

2. Airwallex

Founded in 2015 and based in Singapore, Airwallex is a fintech unicorn offering seamless global payments, multi-currency business accounts, APIs, and expense cards. Trusted by enterprises across 130 countries, the company processed over $100 billion in annualized volume by 2024 . Their developer-friendly API suite empowers businesses to embed payments, automate FX, and streamline cross-border financial operations at scale.

3. 2C2P

Established in 2003 and now Singapore-headquartered, 2C2P is a leading payments specialist catering to merchants, banks, and e-commerce platforms across Southeast Asia. Their robust gateway supports cards, e-Wallets, and local payment options—backed by PCI DSS compliance and enterprise-grade security . Perfect for businesses needing reliable regional payment processing with local payment method support.

4. Red Dot Payment

Since 2011, Red Dot Payment has delivered payment gateway and consulting services across Singapore, Thailand, and Indonesia. With partnerships supporting MasterPass, major e-commerce platforms, and hotel merchants, the firm is equipped for high-volume transactions and real-time settlement. Ideal for enterprises in regional e-commerce or hospitality looking for comprehensive gateway solutions.

5. V-Key

V-Key, established in 2011 in Singapore, specializes in digital security for mobile and fintech apps. Their patented software-based cryptography and authentication frameworks power secure banking, payment, and government systems. Financial firms, digital banks, and regulated businesses benefit from V-Key’s secure SDKs, ensuring strong protection without hardware tokens.

6. Active.Ai

Active.Ai (Active Intelligence Pte Ltd), founded in 2016, combines conversational AI and fintech to create intelligent virtual assistants for banks. Their platform—featuring text and voice chatbots—helps automate customer inquiries, account management, and payments artificially. Ideal for financial institutions aiming to enhance customer engagement while minimizing support costs.

7. Advance Intelligence Group

AJourney fintech and identity player with brands Advance.ai and Ginee USA Advance Intelligence offer enterprise solutions in digital identity, compliance, merchant services, and lending. Serving 500+ clients and disbursing over $4 billion in loans to date, they're a powerhouse in the regional embedded finance space fintechnews.sg. A top-tier partner for firms building regulated credit, KYC, or compliance platforms.

8. HashMicro

A 2015-founded Singapore company known for its modular, cloud-native ERP suite—including finance modules, procurement, and invoicing. With integrations for CRM, POS, and regional tax systems, their stack supports fintech businesses handling billing, invoicing, and financial workflows .

9. TechTIQ Solutions

TechTIQ, based in Singapore and Vietnam, specializes in custom enterprise software—with strong fintech credentials. They build P2P lending platforms, digital wallets, risk engines, and banking systems. Their agile methods and technical depth enable rapid, secure fintech development across Asia .

10. Atta Systems

A boutique product studio founded in 2021, Atta Systems creates tailored fintech solutions including mobile banking, payment platforms, and trading UIs. With 30+ market launches and over $100 million in client value generated, they are a go-to partner for startups and financial innovators .

How to Hire the Top Custom Fintech Software Development Companies for Your Business

Hiring the right fintech software development company is a critical decision that can determine the success or failure of your digital financial product. To ensure you choose a reliable and experienced partner, follow these key steps from a business perspective:

1. Define Your Fintech Product Requirements

Start by clearly outlining what you need. Are you building a digital wallet, loan management platform, trading system, or regulatory compliance tool?

• Identify core features (e.g., KYC, payment processing, reporting, API integrations).
  

• Determine security, scalability, and compliance needs.
  

• Specify if you require mobile apps, web platforms, or both.

Clarity at this stage helps shortlist companies with the right experience and technology stack.

2. Evaluate Industry Expertise

Not all developers understand the nuances of fintech. Look for companies that:

• Have domain knowledge in banking, payments, insurance, or lending.
  

• Understand financial regulations such as MAS compliance, PSD2, or AML/KYC protocols.
  

• Can handle integrations with third-party APIs, payment gateways, and financial platforms.

Case studies, client portfolios, and testimonials are helpful indicators of their fintech expertise.

3. Assess Technical Competency

Check whether the company is technically capable of executing your vision. Important points to review include:

• Technology stack proficiency (e.g., Node.js, Java, Python, blockchain, AI/ML).
  

• Experience with cloud platforms (AWS, Azure, GCP).
  

• Secure development practices (e.g., encryption, secure APIs, data privacy handling).

Request technical documentation, code samples, or even a small pilot project.

4. Review the Development Process

Top fintech companies follow mature development methodologies to ensure reliability and quality. Ask about:

• Their software development life cycle (SDLC) – Agile, Scrum, DevOps?
  

• Communication and collaboration tools used (e.g., Jira, Slack, Trello).
  

• How they handle product testing, quality assurance (QA), and deployment.

Choose a team that offers regular updates, transparency, and iterative progress.

5. Confirm Regulatory and Security Compliance

Fintech software must meet the highest standards of security and data compliance. Ensure that the company:

• Follows OWASP guidelines, ISO/IEC 27001, or SOC 2 standards.
  

• Has experience with MAS regulatory compliance in Singapore.
  

• Conducts regular security audits, penetration testing, and follows GDPR/PDPA data protection rules.

6. Consider Cost vs. Value

Custom fintech development can be costly, but it's an investment. Don’t just go for the cheapest option.

• Evaluate the value delivered — tech expertise, post-launch support, and long-term maintenance.
  

• Discuss licensing costs, third-party tools, and hosting fees.
  

• Opt for a team that provides detailed estimates and is flexible with scaling and change requests.

7. Verify Post-Launch Support & Maintenance

Fintech applications require continuous updates due to evolving regulations and user demands.

• Confirm the company offers post-launch support, bug fixes, and feature upgrades.
  

• Ensure they provide SLAs (Service Level Agreements) for uptime, support, and issue resolution.
  

• Look for a long-term partner rather than just a one-time vendor.

8. Protect Your Intellectual Property (IP)

Make sure your business retains full ownership of the software.

• Have a clear contract outlining IP rights, data ownership, and confidentiality clauses.
  

• Ensure NDAs are signed and all proprietary code remains under your control.

Conclusion

Choosing the right custom fintech software development company is not just a technical decision—it's a strategic business move. As financial technologies evolve rapidly, your development partner must offer more than just coding skills. They should bring domain expertise, regulatory knowledge, scalable architectures, and a commitment to long-term collaboration.

By carefully evaluating each company’s experience, technical capability, security practices, and alignment with your business goals, you can significantly reduce risks and maximize ROI. Whether you're launching a new fintech product or upgrading legacy systems, partnering with a reliable and innovative firm can give you a competitive edge in the dynamic financial services landscape.

Ultimately, the right development team will act as an extension of your business—translating your fintech vision into a secure, high-performing, and future-ready digital solution.