Landing page IconsLanding page IconsLanding page Icons

Hire the Top 7% of Vetted Agencies in FinTech

Engage vendors to complete a project or augment an existing team. The process is free, simple and you'll be reviewing proposals in 72 hours


Why Founders, CEOs and CTOs love

Talent quality

Rigorous vetting to select top 7%


Hire, or augment a team in 72h


Scale up and down, on-demand

Nestle Logo

"Our engagement with has significantly helped us improve the delivery quality of our innovations."

Pete Becker

Innovation Product Management Lead

iHeartRadio Logo

"We worked with the team to identify a mobile engineering partner to help with our iHeartRadio for auto roadmap."

Tom Drapeau

VP Engineering

Carry1st Logo

"Working with was great. They made sense out of a complicated and fragmented market and we were able to find a good fit for our needs."

Cordel Robbin-Coker

Co-Founder and CEO

Deutsche Fintech Solutions Logo

" helped us with their very clear and structured selection process to find our perfect partners for our product in just a few steps."

Reiner Neusser


Finto Logo

" connected us to various experts around the world."

Ayne Santiago

Senior Lead Software Engineer

Pando Logo

"The team at helped us meet and engage with a high quality shortlist enabling us to spend our time building a relationship."

Phillip Mundy


Bandit Logo

" is a wonderful partner for any early stage startups like us who are eager for top engineers to accelerate our product roadmap."

Jeff Hu

Founding Engineer

String Logo

" offers a fantastic service for high growth businesses such as ourselves. Their expertise saved us a significant amount of time and risk."

Paul Skidmore

Product Lead

PayMaya Logo

"Working with was an awesome and pleasant experience. We got exactly what we wanted and more."

Javy Olives

Enterprise Product Head

Raymond Spoljaric

"The team is professional and effective. Pangea's offering of top talent delivers."

Raymond Spoljaric


Guide to hiring great FinTech vendors

It's no secret that our world is becoming increasingly digital. From online shopping to cryptocurrencies, the way we manage our finances is evolving with fintech app development services. Businesses need to catch up and ensure they can offer a seamless digital experience to their customers...


Fast Company Logo
TechCrunch Logo
Hackernoon Logo
Entrepreneur Logo
Business Insider Icon
MIT Logo
TED Logo
Forbes Icon
Fast Company Logo
TechCrunch Logo
Hackernoon Logo
Entrepreneur Logo
Business Insider Icon
MIT Logo
TED Logo
Forbes Icon


We match you to the right team.

Not all agencies are right for all jobs.

Define Your Needs

Input your project requirements, team needs, or desired skillsets to kick-start your search.

Matching Choice
Matching Choice Step 1


To select the top percentile of FinTech agencies, our proprietary due diligence consists of a rigorous 5-step process: pre-qualification, organizational mapping, client reviews, team health assessment, and acceptance. Only the top 7% of agencies complete the process successfully. Once accepted, ongoing efforts to ensure continued excellence and standing within the community begin. This is achieved by consistently demonstrating excellence in their work and continued commitment to due diligence efforts by

Once you share your requirements, the brief is shared with our community of 150+ agencies (without any personal identifiable information). Said agencies have 48 hours to apply to your brief, and you can access each brief on our platform. Using a combination of AI and human expertise, our system matches and connects you with the 3 most suitable FinTech agencies from the application pool. As a result, we can always guarantee delivery within 72 hours—ensuring the most efficient process for connecting with the right agencies for any requirements.

When matching fully-managed agency teams, we prioritize their expertise in the following order: 

  1. Product Domain: What is being built? 
  2. Industry: What industry is it being built in? 
  3. Services: What are the services required? 
  4. Roles: What is the ideal team structure? 
  5. Tech Stack: What technology is required? 

When matching for a specific agency role, we prioritize talent expertise in the following order: 

  1. Roles: Who is being hired? 
  2. Tech Stack: Which technology is required for the role? 
  3. Product Domain: Is domain know-how required for the role? 
  4. Industry: Is industry know-how required for the role? 
  5. Services: Does the role have to provide any services? 

Additionally, we consider rates and location preference, budget indication, kick-off timeline, and other relevant factors to curate the best-match agencies for both engagement models.

Countries such as Uruguay, Brazil, Poland, Crotia, Portugal, Poland, and similar are home to high-quality talent clusters in software development. The vetted agency community at reflects said notion, with our agency partners being located in Latin America and Europe. The rates depend on location, country, skills, and seniority required, but the average hourly rate is between €40-80 which is an average daily rate of €320-640. is a free service for businesses as we are compensated an annual membership fee for continuous due diligence by the agency partners and a % of their sales and marketing spend. 

How Fintech Services Can Transform Businesses


Final Thoughts


Share on

It's no secret that our world is becoming increasingly digital. From online shopping to cryptocurrencies, the way we manage our finances is evolving with fintech app development services. Businesses need to catch up and ensure they can offer a seamless digital experience to their customers.

The business world is like a battlefield. To stay ahead, you must be innovative and offer something that sets you apart from the competition. Fintech apps can be that differentiating factor, providing a competitive edge with features like easy payment options, budget tracking, and investment management.

Fintech app development helps these do just that by providing tailored solutions that cater to your unique needs. Fintech app development services encompass a wide range of activities, including planning, designing, developing, testing, and deploying fintech apps for various platforms such as mobile, web, and desktop. In this blog post, we'll explore why fintech services are indispensable for modern businesses, and delve into some compelling examples that showcase their transformative power. You can also explore the top cryptocurrencies and blockchain companies listed here.

Why Fintech App Development Services are Essential for Modern Businesses

A group of people is discussing in an office how fintech app development services can revolutionize their business.

Fintech refers to the use of technology to improve and automate financial services. With the rise of mobile technology and digital payments, fintech has become an integral part of modern business operations. Here are the reasons that make fintech app services essential for modern businesses.

Enhancing Customer Experience

In the fast-paced, digital-first world, consumers demand seamless and personalized experiences. Fintech services enable businesses to meet these expectations by creating tailor-made solutions that cater to their unique needs. These apps make it easier for customers to access financial services, track transactions, and manage their finances, all while enjoying a frictionless user experience. By embracing fintech app development, businesses can foster stronger customer relationships and boost brand loyalty.

Example: Revolut

Revolut, a leading digital bank, offers a seamless mobile banking experience through its app, which enables users to access a wide range of financial services, including currency exchange, budgeting tools, and crypto trading. With its intuitive interface and personalized features, Revolut has amassed over 15 million customers worldwide.

Streamlining Operations and Reducing Costs

Fintech app development services can help businesses streamline their operations and reduce costs by automating manual processes and introducing data-driven decision-making. This not only frees up valuable time and resources but also helps minimize human error, boosting overall efficiency.

Example: Stripe

Stripe, a global online payments platform, simplifies the process of accepting and processing payments for businesses of all sizes. With its robust API and extensive developer resources, Stripe has helped countless businesses reduce the costs and complexity associated with managing financial transactions.

Expanding Market Reach

Fintech apps have the potential to break down geographic barriers and expand a business's reach to a global audience. By leveraging fintech app development services, businesses can tailor their offerings to cater to the needs of customers in different markets, tapping into new revenue streams.

Example: Wise (formerly TransferWise)

Wise, a global money transfer service, has disrupted the remittance industry with its transparent and cost-effective solution. The Wise app allows users to send and receive money across borders without the exorbitant fees and unfavorable exchange rates typically associated with traditional banks. By addressing a critical pain point for international customers, Wise has established itself as a global leader in the remittance space.

Driving Innovation and Growth

Fintech app development services empower businesses to stay ahead of the curve by embracing cutting-edge technologies and financing innovative solutions. In an increasingly competitive landscape, the ability to adapt and evolve is crucial for long-term success.

Example: Robinhood

Robinhood, a commission-free stock trading and investing app, has democratized investing by making it accessible to the masses. By eliminating barriers to entry, Robinhood has attracted millions of users and spurred traditional financial institutions to rethink their approach to investing.

Enhancing Data Security and Compliance

Data security and compliance are top priorities for businesses in the financial sector. Fintech app development services can help businesses navigate the complex regulatory landscape and implement robust security measures, ensuring the protection of sensitive data and fostering trust with customers. Our article on cybersecurity companies takes a deep dive into how they can protect your business and how to hire the right one. 

Example: Plaid

Plaid, a financial data aggregation platform, connects users' bank accounts to third-party apps securely and efficiently. By implementing stringent security protocols and adhering to industry best practices, Plaid ensures that users' financial data remains secure while enabling seamless data sharing with trusted partners.

Latest Updates and Developments in Fintech App Development Services

Two people are sitting in front of their laptops and finding a company that provides fintech app development services.

As fintech continues to evolve, app development services are constantly adapting to emerging trends and technologies. Here are some of the latest developments that are shaping the future of fintech app development:

Artificial Intelligence (AI) and Machine Learning (ML)

AI and ML are revolutionizing fintech app development by enabling businesses to analyze vast amounts of data, identify patterns, and make informed decisions. AI-powered chatbots, for instance, can provide personalized customer support, while ML algorithms can detect fraudulent activities and help assess credit risk more accurately.

Example: Upstart

Upstart, an AI-driven lending platform, uses machine learning algorithms to assess the creditworthiness of borrowers beyond their credit scores. By considering factors like education, employment history, and income; Upstart can offer loans to a broader range of customers while minimizing the risk of default.

Open Banking and API Integration

Open banking initiatives are driving greater collaboration between financial institutions and fintech, enabling businesses to access a wealth of financial data and services through APIs. Fintech app development services can leverage these APIs to create powerful, interconnected solutions that meet the diverse needs of customers.

Example: Tink

Tink, a leading open banking platform, provides businesses with the tools they need to access financial data, initiate payments, and build personalized financial services. Through its API, Tink enables businesses to integrate account aggregation, payment initiation, and other open banking services into their apps, fostering innovation and enhancing customer experience.

Blockchain and Cryptocurrencies

Blockchain technology and cryptocurrencies have the potential to transform the financial industry by enabling secure, transparent, and decentralized transactions. Fintech app development services are increasingly integrating blockchain and cryptocurrencies into their solutions to capitalize on this trend.

Example: Circle

Circle, a global financial technology firm, offers a suite of blockchain-based products, including the USDC stablecoin, which allows users to make secure, fast, and low-cost transactions. Circle's APIs and developer resources empower businesses to integrate USDC and other blockchain technologies into their existing systems, driving innovation and growth.

Digital Identity and Biometric Authentication

As the need for secure and seamless authentication grows, fintech app development services are increasingly incorporating digital identity and biometric authentication technologies into their solutions. These technologies enable businesses to verify customers' identities and protect sensitive data while offering a frictionless user experience.

Example: Onfido

Onfido, a digital identity verification platform, helps businesses onboard customers securely and efficiently by verifying their identities using AI-powered document verification and facial biometrics. By integrating Onfido's API into their apps, businesses can streamline the customer onboarding process while ensuring compliance with KYC and AML regulations.

Final Thoughts

Fintech app development services are reshaping the financial landscape and have become an indispensable asset for modern businesses. By embracing these services, you can enhance customer experience, streamline operations, expand market reach, drive innovation, and ensure data security and compliance. Now you know, let us find you the best fintech service companies that fulfill your needs. Yes, the process at Pangea isn’t long, you will be connected with companies within 72 hours.


Q1. What is fintech app development?

Fintech app development is the process of creating software applications that enable financial transactions, management, and services through mobile, web, and desktop platforms. Fintech apps leverage the latest technologies such as blockchain, artificial intelligence, and machine learning to offer a wide range of financial services, including payments, investment management, personal finance, and banking. It involves a multi-step process that includes planning, designing, developing, testing, and deploying the app.

Q2. What does a fintech app do?

A fintech app is a software application that provides various financial services through mobile, web, or desktop platforms. These services may include payments, investment management, personal finance, banking, insurance, and more. Fintech apps use the latest technologies to offer a range of features such as money transfers, budgeting tools, mobile deposits, ATM locators, and account alerts. It provides a convenient and efficient way for individuals and businesses to manage their finances, regardless of their location or device.

Q3. What are the 3 categories of fintech?

Fintech can be broadly classified into three categories:

  • Payment and remittance: This category includes fintech companies that provide services related to digital payments, mobile wallets, money transfers, and remittances. Examples of payment and remittance fintech companies include PayPal, Square, and TransferWise.
  • Banking and lending: This category includes fintech companies that provide services related to banking, lending, and personal finance. Examples of banking and lending fintech companies include Chime, SoFi, and Robinhood.
  • Investment and wealth management: This category includes fintech companies that provide services related to investment management, trading, and wealth management. Examples of investment and wealth management fintech companies include Betterment, Wealthfront, and Acorns.

Getting started is easy

Join hundreds of Founders, CEOs and CTOs using every day to find and hire their perfect software partner. Start reviewing shortlisted agencies from our community today.

Have a question? Schedule a call

Getting startedGetting startedGetting started