Fintech Software Development

We design, build, modernize, and integrate software for banking, payments, lending, and wealth platforms. Senior engineers do the work, with security and compliance controls in the build from the first sprint.
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Definition

What is fintech software development?

Fintech software development covers the systems that move and account for money: banking cores and ledgers, payment rails, loan origination and servicing, and wealth management platforms. BD Emerson designs, builds, modernizes, and integrates these systems with senior engineers, and every build carries the security and compliance controls that regulators and bank partners expect. We are also honest about scope. Most firms should buy more than they build, and we tell you which is which before any code gets written.

Services

What fintech software services are included?

Banking software development
Payments and lending workflows
Wealth management software
Core banking modernization
System and data integration
Security and compliance built in

Banking software development

Custom banking software where a packaged product cannot carry the workflow: account servicing tools, back-office operations, and the connective tissue around the core you already run. We build against your core rather than proposing a replacement you do not need.

Payments and lending workflows

Payment orchestration, disbursement, and reconciliation flows, plus loan origination and servicing built around your credit policy. Lending point solutions like loan servicing are where custom builds most often beat the market, and we say so when they do not.

Wealth management software

Portfolio views, householding, fee billing, and advisor tooling that sit on top of custodial data. We integrate custodian feeds and market data instead of rebuilding them, so the build effort goes to what actually differentiates the platform.

Core banking modernization

Moving off a legacy core or ledger in stages: strangler patterns around the old system, parallel runs to prove the numbers match, and a cutover plan with a tested rollback. Data migration is the riskiest step, so balances get reconciled at the transaction level before anything switches.

System and data integration

APIs and event streams that connect cores, payment processors, KYC providers, and data warehouses. Integration is usually the real project inside a fintech build, and it is where most timelines slip, so we scope it first and test it hardest.

Security and compliance built in

Controls mapped to SOC 2, GLBA, and PCI DSS obligations as the system is designed, with evidence produced as a byproduct of delivery. BD Emerson performs SOC 2 examinations directly through its licensed CPA attest arm, so our engineers know exactly what an auditor will ask for.

Our approach

Our approach

01

Buy first, build what differentiates

We start from the position that buying wins more often than building. Custom work concentrates in vertical point solutions such as loan servicing and specialized ledgers, where packaged products force workarounds. A written build vs buy analysis settles the question before code gets written.

02

Architecture before code

Financial systems fail at the seams, so we design the ledger model, integration contracts, and reconciliation points before development starts. Every workflow that touches a balance gets an audit trail by design.

03

Prove it in parallel

New systems run alongside the old one until the outputs match. Parallel runs and transaction-level reconciliation catch the discrepancies that unit tests miss, and cutover happens only when the numbers agree.

04

Handover your team can run

Delivery ends with your engineers running the system: documentation, runbooks, monitoring, and a support window with the people who built it. The goal is a platform you operate and extend without us.

contact us

Planning a fintech build or replatform?

Bring the system you are weighing, the core you are stuck on, or the vendor decision you are debating. We will tell you what we would build, what we would buy, and why.

Our Advantage

Why BD Emerson for fintech software

Senior engineers do the work

The people who scope the work build it. Senior engineers with financial systems experience handle architecture, code, and cutover, so decisions do not degrade between a sales conversation and a delivery team.

Compliance is in-house and licensed

BD Emerson performs SOC 2 examinations directly through its licensed CPA attest arm and implements ISO 27001, GLBA, and PCI DSS programs. Your platform gets controls an auditor will accept, designed in from the start instead of retrofitted.

Honest on build vs buy

We recommend buying more often than building, and we put the analysis in writing. When a build is wrong for you, we say so and point at the product that fits.

How We Work

How we deliver fintech software

The same delivery model runs every engagement, from a single payments workflow to a core migration. Each step produces an artifact you keep, whether or not we build the next phase.
Reviews

What our customers say

Great consulting firms for scaling security, compliance, and appsec.

Outstanding partner in Technical and Cyber Due Diligence

Appsec maturity and application hardening.

BD Emerson helped us simplfiy our compliance management.

BD Emerson did such a phenomenal job. What started as privacy support quickly became a full partnership across compliance, engineering, and even business operations. They’re embedded with our team. They understand our product. They move fast. They’re simply invaluable.

Adam Ben Jacobs

CTO @ OneStep GPS

Great consulting firms for scaling security, compliance, and appsec.

Outstanding partner in Technical and Cyber Due Diligence

Appsec maturity and application hardening.

BD Emerson helped us simplfiy our compliance management.

BD Emerson did such a phenomenal job. What started as privacy support quickly became a full partnership across compliance, engineering, and even business operations. They’re embedded with our team. They understand our product. They move fast. They’re simply invaluable.

Adam Ben Jacobs

CTO @ OneStep GPS

We had a hard time finding the right company to partner with in support of our compliance journey. Some vendors sell the idea that they do the work, but then you end up doing everything. The ambiguity is what killed our last project. BD Emerson’s team has such great technical knowledge and understands the standard so well that they made us comfortable with moving fast. This has led to us closing major enterprise customers that were previously out of reach because of security and compliance.

Tom Watkins

CEO @ AMI AssetTrack

Lead an enterprise initiative to overhaul the organization's technology stack from ecommerce, corporate tech, and corporate security.

Supported ISO 42001 exercise and served as internal auditor.

Rubrik's privacy and compliance team began with the backbone of BD Emerson. BD Emerson supported building out the privacy program, GRC (ISO 27001, SOC 2, CMMC, FedRAMP), and the appsec function.

We needed a partner who could move quickly, without sacrificing precision. BD Emerson brought the expertise, structure, and speed we were looking for. Their team became an extension of ours, embedding themselves across the organization, guiding us step by step, and giving us confidence in areas we hadn’t tackled before. The internal audit they conducted was so detailed that even the external auditors called it out. Achieving ISO 27001 with zero nonconformities says everything you need to know about the quality of the partnership.

Walid Souilem

CTO @ FGI Worldwide

We had a hard time finding the right company to partner with in support of our compliance journey. Some vendors sell the idea that they do the work, but then you end up doing everything. The ambiguity is what killed our last project. BD Emerson’s team has such great technical knowledge and understands the standard so well that they made us comfortable with moving fast. This has led to us closing major enterprise customers that were previously out of reach because of security and compliance.

Tom Watkins

CEO @ AMI AssetTrack

Lead an enterprise initiative to overhaul the organization's technology stack from ecommerce, corporate tech, and corporate security.

Supported ISO 42001 exercise and served as internal auditor.

Rubrik's privacy and compliance team began with the backbone of BD Emerson. BD Emerson supported building out the privacy program, GRC (ISO 27001, SOC 2, CMMC, FedRAMP), and the appsec function.

We needed a partner who could move quickly, without sacrificing precision. BD Emerson brought the expertise, structure, and speed we were looking for. Their team became an extension of ours, embedding themselves across the organization, guiding us step by step, and giving us confidence in areas we hadn’t tackled before. The internal audit they conducted was so detailed that even the external auditors called it out. Achieving ISO 27001 with zero nonconformities says everything you need to know about the quality of the partnership.

Walid Souilem

CTO @ FGI Worldwide

BD Emerson didn’t just help us meet our compliance goals; they integrated security and privacy into the core of our operations. I highly recommend BD Emerson to anyone seeking SOC 2 or GDPR compliance, or simply looking to enhance their security team and boost customer trust in their product and services. Their dedication and expertise have been invaluable to our success.

Padraig Reilly

CEO, Boxcore

BD Emerson understood our business requirements and worked side-by-side with us. The policies and controls we developed together not only meet compliance standards but improve how we operate day to day.

Matt Meierdierks

IT Manager, Lincoln Industries

From day one, BD Emerson brought urgency, clarity, and a sharp understanding of what truly matters to our business — earning and keeping customer trust. They went beyond helping us meet compliance requirements; they helped build a foundation for secure, scalable growth. That kind of partnership is rare.

Jason Marker

CEO @ LifeLenz

BD Emerson didn’t just help us pass an audit—they helped us build a sustainable culture of security.

Alexey Indeev

CTO Spare

BD Emerson was essential in helping our company navigate the daunting process of leveling up our security infrastructure. BD Emerson’s impressive expertise and confidence throughout the process helped our team exceed HIPAA and SOC 2 Type 1 standards quickly, distilling what can be an overwhelming process into a streamlined, organized effort. From day one they began adding value and getting us on course. With their help we delivered on a massive security overhaul with both extreme efficiency and thorough attention to details. Because of BD Emerson’s support, we’ve increased our clients’ trust in Titan Intake and the life-changing work it accomplishes for those seeking specialist referrals.

Patrick Bruce

CEO, Titan Intake

BD Emerson didn’t just help us meet our compliance goals; they integrated security and privacy into the core of our operations. I highly recommend BD Emerson to anyone seeking SOC 2 or GDPR compliance, or simply looking to enhance their security team and boost customer trust in their product and services. Their dedication and expertise have been invaluable to our success.

Padraig Reilly

CEO, Boxcore

BD Emerson understood our business requirements and worked side-by-side with us. The policies and controls we developed together not only meet compliance standards but improve how we operate day to day.

Matt Meierdierks

IT Manager, Lincoln Industries

From day one, BD Emerson brought urgency, clarity, and a sharp understanding of what truly matters to our business — earning and keeping customer trust. They went beyond helping us meet compliance requirements; they helped build a foundation for secure, scalable growth. That kind of partnership is rare.

Jason Marker

CEO @ LifeLenz

BD Emerson didn’t just help us pass an audit—they helped us build a sustainable culture of security.

Alexey Indeev

CTO Spare

BD Emerson was essential in helping our company navigate the daunting process of leveling up our security infrastructure. BD Emerson’s impressive expertise and confidence throughout the process helped our team exceed HIPAA and SOC 2 Type 1 standards quickly, distilling what can be an overwhelming process into a streamlined, organized effort. From day one they began adding value and getting us on course. With their help we delivered on a massive security overhaul with both extreme efficiency and thorough attention to details. Because of BD Emerson’s support, we’ve increased our clients’ trust in Titan Intake and the life-changing work it accomplishes for those seeking specialist referrals.

Patrick Bruce

CEO, Titan Intake

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At BD Emerson, we believe that our team's extensive certifications not only set us apart but also ensure that we provide the highest level of service to our clients.
FAQ

Frequently asked questions

Should we build or buy a core system?

How do you migrate off a legacy ledger without breaking balances?

How is compliance evidence handled during a build?

Can you work alongside our existing vendors?

What does handover include?

What drives the timeline on a fintech build?

What kinds of fintech software do you build most often?

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