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Fintech software development company

The engineering backbone of Switzerland’s highest-stakes financial products
Trusted by TWINT and leading financial institutions, we deliver secure, compliant, and resilient  custom fintech software built for long-term reliability and scale, taking full ownership from strategy to launch.

13+

years in fintech software development

97%

average client satisfaction rate

7+

years average client relationships

DACH

data residency
PCI-DSS
GDPR
PSD2
AML/KYC

Trusted by DACH leaders in finance and accounting

For 13+ years, we’ve been delivering fintech software development services for DACH companies.

Why choose Modeso for fintech software development

Local collaboration, full responsibility, compliant fintech software development without the usual vendor friction – these are the main benefits of working with Modeso.

Swiss-based product ownership

Your product owners and decision-makers are based in Zurich. We speak German, understand DACH business practices, and can work with you face-to-face when needed.

Their project managers are always available to come in for in-person project workshops. It's also great that we can speak to each other in our native language.

Matthias Herrmann
Head of Innovation Management,
University Hospital Zurich

30% faster time-to-market

We help you launch your fintech solution 30% faster by owning the entire development lifecycle, from early prototypes and MVPs to market validation to a full-fledged solution.

Within a few months of working with Modeso, our customer's app went live and the solution was running well.

Ramon Meier
Switzerland Country Manager, Blackhawk Network

Hands-on fintech product experience

We don’t just build fintech products for others — we also own one. Modeso co-owns aumico, a financial reporting SaaS, giving us first-hand experience with product decisions.

modeso's ownership is a significant factor in our project's success. They take charge of every detail and consistently exceed expectations with their dedication.

Michael Schwander
Partner,
Dr. Rietmann & Partner AG

High quality at competitive cost

We combine Swiss product leadership with experienced development teams in Cairo and Alexandria. This allows us to deliver fintech software at competitive costs while keeping the quality bar high.

Their hybrid software engineering approach, combining local and nearshoring project setups, truly differentiates them. Exceptional time-to-market and value for investment!

James Siermann
Principal,
Jester Advisory AG

AI expertise with business focus

Apply AI in fintech where it creates business value. We deliver fintech AI solutions, from generative AI to predictive analytics, using a “think big, start small” approach focused on ROI.

It feels like they’re part of our team. Modeso thinks about improvements and comes up with solutions.

Chris Zurbrügg
CEO,
Aumico

Built-in compliance

Your data stays within DACH borders. We build secure fintech software that supports AML/KYC, PCI DSS, GDPR, and PSD2 compliance from day one.

modeso's sense of ownership and dedication to going the extra mile truly set them apart. A reliable and outstanding partner for any software development needs.

Urs Mäder
Head of Online Sales and Lead Generation,
VISANA

Proven expertise across six fintech niches

We build fintech software for companies that operate under pressure: regulatory scrutiny, high transaction volumes, and zero tolerance for failure.

Banking & payments

From payment application development to embedded finance solutions for regulated environments and high transaction volumes.
Mobile-first banking & payment platforms
Wallet systems & transaction handling
Embedded financial services
Open banking integrations

Investment, wealth & trading

AI-enhanced investment management software with accurate data, stable systems, and predictable behavior under heavy traffic load.
Trading systems with live market data
Portfolio & asset management tools
Automated advisory flows
Analytics & reporting dashboards

Lending & credit

Fintech applications that automate lending and credit processes ensuring control, transparency, and regulatory compliance.
End-to-end lending workflows
Credit scoring engines
Deferred payment solutions
Marketplaces for peer-to-peer financing

Insurance & insurtech

Insurance software that supports regulated onboarding, claims processing, and policy management.
Policy administration systems
Claims handling & automation workflows
Data-driven underwriting & pricing models
Self-service portals

Blockchain & digital assets

Secure fintech solutions for managing digital assets, with data governance and risk controls.
Wallet & custody infrastructure
Transaction systems
Asset tokenization
Identity verification & transaction monitoring

AI in fintech

AI functionality to automate reviews, support decisions, and analyze financial data.
Generative AI for financial services
Financial forecasting & predictive analytics
AI-supported risk & fraud assessment
Automation of checks & reviews
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Get a free estimate for your fintech app development

Book a free 30-minute call with our fintech expert and get a custom timeline & budget estimation.

Our case studies delivering bespoke financial technology solutions

We’ve been building fintech products for industry leaders for 13+ years. Take a look at some of our projects.

TWINT Scales Into Switzerland’s No. 1 Payment App, with Modeso as Its Long-Term Tech Partner

6M+ active users
3M+ digital vouchers sold & ~300K deals redeemed
~6M engagement interactions
15K+ insurance policies sold in year one
150K+ orders/hour handled

Albin Kistler Modernizes Its Core Investment Platform with Modeso

Legacy system replaced with a modern portfolio analytics platform
Core investment algorithm rebuilt and clarified
Secure private-cloud deployment
Excel-based reporting moved to a web platform

Aumico: Financial Reporting Platform Reaches 4K Recurring Licenses

4,000 recurring licenses sold within 2 years
145 firms as active customers
From Excel-based workflows to a cloud platform
Market-ready financial reporting product

Our fintech software development methodology

How we build resilient fintech products

Our methodology is built for regulated environments, so compliance, architecture, and security are handled upfront, and never fixed under pressure after launch.
Dashboard mockup
Phase 1

Alignment

We clarify constraints: compliance scope, integration reality, and business logic.

Business model & workflow deep dive
Compliance scope definition
Integration and data ownership map
Delivery plan
Phase 2

Design

We design journeys that work for users, regulators, and partners.

Onboarding & verification flows
Consent/disclosure patterns
Design prototypes
Scalable UI patterns
Phase 3

Development

Our team builds a back-end that handles money, sensitive data, and integrations.

Secure architecture & audit trails
Access control, encryption & operational logging
Integration design
Automated testing, CI/CD & infrastructure standards
Phase 4

Maintenance & growth

After launch, we keep the product compliant, stable, and ready for growth.

Monitoring and incident response
Continuous security updates
Integration upkeep
Updates & improvements

Choose a collaboration model

Depending on how you want to work, we either take full ownership of delivery or provide a dedicated fintech development team that integrates with yours.

End-to-end development

We take full ownership of your fintech software development. Our product owners lead discovery, delivery, and launch, ensuring predictable outcomes, regulatory alignment, and on-time delivery.

Dedicated team

We provide a dedicated fintech development team that works as an extension of your own. The team integrates into your processes and tools while benefiting from Modeso’s engineering standards and oversight.
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Request a free engineering consultation

Talk to our product owners about your project and receive an initial estimate and recommended development approach on the first call.

Frequently asked questions

We’re planning a fintech digital transformation. Can you support us beyond development?

Yes. We provide fintech consulting services alongside delivery. Our Zurich-based product owners help you assess legacy systems, define a realistic transformation roadmap, and modernize your architecture step by step without disrupting daily operations.

Can you take over a complex fintech or banking software development project mid-stream?

Yes. We regularly take over existing banking software development and fintech projects, including those affected by technical debt or unclear ownership. We stabilize the system first, then improve architecture, security, and delivery pace.

Do you work with open banking, APIs, and third-party integrations?

We do. Open banking software development and API development for fintech are a core part of our work. We design and maintain secure, well-documented APIs that integrate reliably with banks, payment providers, and third-party platforms.

Can you help us build or scale a fintech SaaS product?

Yes. We support fintech SaaS development from MVP to scale. This includes multi-tenant architecture, billing logic, user management, and long-term maintainability for regulated environments.

How do you handle regulatory and compliance-heavy requirements?

Compliance is built into the solution from the start. We develop secure fintech software that supports regtech software development, including GDPR, AML/KYC, PSD2, and audit-ready architectures suitable for financial institutions and insurers.

Do you only work on new projects, or also on core systems?

We do both. In addition to new products, we modernize core banking software, portfolio platforms, and financial analytics systems, replacing legacy tools without interrupting business-critical processes.

Can we start small before committing to a larger engagement?

Absolutely. Many clients begin with a short feasibility phase or an MVP engagement. This allows you to validate assumptions and delivery fit before scaling further.
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