1) How much does mobile banking app development cost in the USA?

Most MVP builds start around $25k–$75k, while full builds with KYC/KYB + payments are typically $75k–$200k+, depending on integrations and compliance needs.

2) How long does it take to build a mobile banking app?

An MVP usually takes 8–10 weeks. A growth-ready build typically takes 12–16 weeks.

3) Can you integrate with US core banking platforms like FIS, Fiserv, or Jack Henry?

Yes—usually via a secure middleware/API layer, depending on what your core exposes and your partner setup.

4) Do you build iOS and Android apps?

Yes—either native iOS/Android or cross-platform (React Native/Flutter), based on your product priorities.

5) Do you handle KYC/KYB integrations?

Yes. We implement KYC/KYB integration flows and build the operational tooling needed for reviews, status tracking, and audit logs.

6) Can you integrate open banking providers like Plaid or Finicity?

Yes. We build bank linking flows, transaction sync, account verification, and webhook-driven updates.

7) How do you secure sensitive banking data?

We implement encryption, secrets management, least-privilege access, RBAC, audit logs, and ensure sensitive tokens never leak to client apps or logs.

8) What’s the biggest risk in mobile banking app projects?

Reliability after launch failed webhooks, weak retries, poor monitoring, and unclear failure states. We design around those early.

9) Will we own the source code and infrastructure?

Yes. You get full source code, documentation, and handover details. No vendor lock-in.

10) Can you improve an existing mobile banking app?

Yes common work includes performance fixes, security hardening, integration upgrades, and adding admin/ops tooling.

Build secure, scalable digital banking apps for US fintechs, credit unions, and banks with core banking integration, KYC/KYB, ACH flows, and production-ready security.

FintegrationFS is a fintech app development company and financial software development company focused on real-world banking engineering: reliability, auditability, and integrations that don’t break after launch.

Mobile Banking App Development Company USA

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Clients & Partners

Want to Be on the List?

FintegrationFS has partnered with leading financial technology service providers, leveraging our extensive expertise as a fintech software development company to deliver over 100 production-ready fintech products.

What we build

If you’re looking for custom mobile banking app development, here are the most common US product types we ship:

Bank / credit union modernization

New mobile UX on top of legacy core
Secure API layer + middleware
Performance, uptime, and monitoring upgrades

Digital banking apps (consumer)

Account onboarding + verification
Balances, transactions, statements
Transfers, bill pay, alerts
Cards, spend controls, disputes

Neobank & embedded finance apps

Mobile-first onboarding
Bank account linking (open banking)
Rewards, savings automation, budgeting
Partner dashboards + ops tooling

US integrations we support

Modern mobile banking app development is mostly integration work done correctly. We commonly build:

Open banking & account connectivity

Bank account linking, balance/transaction sync
Bank account verification API flows
Income/asset verification (when needed)

Identity & risk

KYC/KYB integration
Device binding, MFA, fraud signals
RBAC + audit logging for ops teams

Payments & money movement

ACH payments integration
Cards, payouts, subscriptions (depending on your model)

Webhooks, retries, reconciliation hooks

Core & banking platforms

Core banking integration with platforms like FIS, Fiserv, Jack Henry (via secure middleware/API layers where applicable)

Security and compliance-ready engineering

A mobile banking app is only as strong as its security model. We design secure mobile banking solutions that support common US expectations around privacy and controls (e.g., GLBA-aligned data protection and FFIEC-style security practices your compliance team sets final requirements).

Security foundations we implement:

Encryption in transit + at rest
Token and secrets management (no sensitive data in logs)
MFA, biometrics, device binding
Role-based access control (RBAC)
Audit trails for sensitive actions
Secure session handling + anomaly checks

Relevant Case studies

NPS Platform Modernisation

Enhancing Engagement & Growth: 45% Increase in Active Users, 500K+ Downloads, and a 30% Rise in NPS Subscriptions

Plaid Payment
Transfer

Leverage Plaid's secure integration for seamless bank account verification and fast, reliable ACH transactions for your business.

Wealth Management Solution

Streamline portfolio management, optimize investments, and provide personalized client insights with a secure, scalable platform.

Onboarding & account setup

Fast signup flows with verification
Progressive profiling (collect only what you need)
Document capture where required

Mobile Banking App Features & Functionality

Essential Features for Every Mobile Banking App

User Onboarding & KYC

First impressions matter. Our onboarding flows balance regulatory compliance with user experience, enabling account creation in under 5 minutes. Features include progressive registration that collects information gradually, government ID scanning with OCR extraction, selfie capture for facial recognition, identity verification through Persona, Onfido, or Jumio, document upload for proof of address, biometric enrollment for future authentication, and account funding options. We design onboarding that maintains 80%+ completion rates.

Multi-Factor Authentication

Security starts with strong authentication. We implement multiple verification methods including biometric authentication (fingerprint, face recognition), one-time passcodes via SMS or email, push notification approvals, security questions, device fingerprinting, and behavioral biometrics that analyze typing patterns and device handling. Users can choose their preferred authentication method while meeting security requirements.

Account Aggregation

Provide complete financial visibility by aggregating external accounts. Through integration with Plaid, MX, Finicity, or Quiltt, users can view balances from multiple banks, credit cards, investment accounts, loans, and retirement accounts in a unified dashboard. Automatic transaction synchronization keeps data current, while credential management uses OAuth for secure access without storing passwords.

Push Notifications & Alerts

Keep customers informed with timely, relevant notifications. Alert types include transaction confirmations for every purchase or transfer, low balance warnings, large transaction alerts exceeding thresholds, bill due date reminders, suspicious activity warnings, deposit confirmations, recurring payment processing, and promotional offers. Users control notification preferences granularly.

Secure Mobile Banking Solutions: Security & Compliance

Application Security Measures:

Data Encryption Protect sensitive information at every stage. We implement AES-256 encryption for data at rest, TLS 1.3 for data in transit, end-to-end encryption for sensitive communications, public key pinning to prevent man-in-the-middle attacks, and hardware-backed encryption using Secure Enclave (iOS) or Keystore (Android). Customer data remains protected even if devices are compromised.

Hire FinTech Developers for Startups

Accelerate your MVP launch with flexible engagement, rapid prototyping, and cost-efficient FinTech software development.

Code Security

Build security into the application from the ground up. Development practices include secure coding guidelines following OWASP standards, static code analysis to identify vulnerabilities, dynamic application security testing (DAST), dependency scanning for vulnerable libraries, code obfuscation to prevent reverse engineering, certificate pinning for API calls, and regular penetration testing by security experts. We remediate issues before deployment.

Authentication & Authorization

Verify user identity and control access rigorously. Authentication mechanisms include biometric authentication (Face ID, Touch ID, fingerprint), multi-factor authentication requiring two independent factors, OAuth 2.0 and OpenID Connect for secure API access, JSON Web Tokens for session management, role-based access control (RBAC) for different user types, and passwordless authentication options. Compromised credentials don't guarantee access.

Secure Data Storage

Protect sensitive data stored on devices. Storage security includes encrypted local databases, secure key management using device hardware, automatic data wiping after failed authentication attempts, no storage of full card numbers or PINs, encrypted screenshot prevention, clipboard data protection, and secure deletion of temporary files. Sensitive data exposure becomes extremely difficult.

Fraud Detection & Prevention

Identify and stop fraudulent activity in real-time. Fraud prevention includes behavioral biometrics that analyze user patterns, device fingerprinting to recognize trusted devices, geolocation validation for transaction context, velocity checks that detect rapid-fire transactions, machine learning models that identify anomalies, rule-based fraud scoring, and step-up authentication for risky transactions. Our fraud detection reduces losses while minimizing false positives.

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Financial Service Provider Integrations

Build innovative fintech mobile app development solutions beyond traditional banking. Our expertise spans the entire fintech ecosystem, enabling you to launch products that address specific financial needs.

Banking & Account Aggregation

Connect users' bank accounts from 12,000+ financial institutions. Plaid provides account authentication, balance checking, transaction history, identity verification, income verification, liabilities data, and investment holdings. We've delivered 30+ Plaid-powered apps and maintain official partner status.

Payment Processing

Comprehensive payment infrastructure. Stripe handles credit card processing, ACH transfers, instant payouts, recurring billing, marketplace facilitation, fraud prevention with Radar, and global payment methods. Our team has built 50+ Stripe integrations.

Identity Verification & KYC

Customizable identity verification platform. Persona offers government ID verification, selfie verification with liveness detection, document verification (proof of address, income), database verification, and fraud detection. Modular approach fits any use case.

Why Choose FintegrationFS for Your Mobile Banking App

100+ Production Apps Deployed

We've built more mobile banking apps than most development companies will in their entire existence. This extensive experience means we've encountered and solved virtually every challenge you'll face—from obscure API integration issues to complex regulatory requirements. We don't learn on your project; we apply proven solutions.

15+ Years in Financial Technology

FintegrationFS has focused exclusively on fintech since inception. Unlike generalist development shops, we understand banking workflows, regulatory frameworks, and financial service user expectations at a deep level. Our team includes former banking professionals who bring industry knowledge beyond pure technical skills.

100 Million End Users Served

Our applications collectively serve over 100 million users worldwide. We've architected systems that handle massive scale, peak load events (paydays, tax season), and maintain 99.99% uptime. Your app benefits from battle-tested infrastructure patterns.

Comprehensive Development Capabilities

We handle every aspect of mobile banking app development internally—no outsourcing to other vendors. Our 90+ member team includes:

Mobile developers (iOS, Android, React Native, Flutter)
Backend engineers (Node.js, .NET, Java, Python, Go)
DevOps engineers (Kubernetes, AWS, Azure, GCP)
UI/UX designers specializing in fintech
QA engineers and security specialists
Compliance consultants with banking experience
Project managers with technical backgrounds

Design Excellence

Great mobile banking requires more than functional code—it demands intuitive, delightful user experiences. Our design team creates interfaces that users love, reducing onboarding drop-off, increasing feature adoption, and driving app store ratings above 4.5 stars. We employ user research, usability testing, and iterative refinement to perfect experiences.

Security & Compliance Mastery

Financial applications face the highest security and regulatory standards. Our team has deep expertise in PCI DSS compliance, SOC 2 certification processes, KYC/AML implementation, encryption best practices, and penetration testing. We build security into architecture from day one rather than retrofitting it later.

Flexible Engagement Models

Fixed-Price Projects

Best for well-defined scopes with clear requirements. Receive detailed proposal with fixed timeline and cost, predictable budgeting with no surprises, defined deliverables and milestones, and warranty period for bug fixes post-launch. Ideal for MVP development or specific feature additions.

Dedicated Development Team

Augment your internal team with our fintech specialists. Access experienced mobile developers, backend engineers, designers, and QA engineers who integrate with your team. Scale up or down based on project phase and needs. Flexible monthly commitments without long-term lock-in. Monthly retainers from $15,000 - $75,000 based on team size.

Staff Augmentation

Need specific skills for short periods? Hire individual developers, designers, or DevOps engineers to fill temporary skill gaps. Flexible hourly or monthly rates. Quick onboarding (1-2 weeks). Direct communication with your project managers. Ideal for specialized needs like security audits or performance optimization.

Equity Partnership

For promising early-stage startups, we offer equity-based partnerships. FintegrationFS invests engineering resources in exchange for company equity. We become your technical co-founder and partner, sharing the risk and upside. Highly selective—we partner with 2-3 startups annually from hundreds of applicants.

Global Team, Local Presence

Development Centers

India (Ahmedabad)

USA (Austin, Texas)

UAE (Planned Expansion)

Communication Excellence

Work seamlessly across time zones with:

Daily standup meetings via Slack/Teams

Bi-weekly sprint reviews with demos

Real-time project tracking (Jira, Linear)

Dedicated account manager

24/7 critical issue support

Comprehensive documentation

How a US Mobile Banking App Works

A secure digital banking app development USA stack typically includes:

Mobile App (iOS/Android/React Native) – onboarding, accounts, transfers
Backend APIs – auth, user profile, entitlements, session security
Integration Layer – open banking, KYC/KYB, payments, notifications
Core Banking / Ledger – accounts, balances, transaction posting
Observability – logs, metrics, alerting, audit trails

We design integrations with webhook retries, idempotency where required, and clear failure states-so your app stays reliable at scale.

What you get when you hire FintegrationFS

This is what a serious custom software development company USA should deliver for a banking build:

Product discovery + scope doc (MVP-first)
Architecture + data model
Mobile app (iOS/Android or React Native)
Backend APIs + database
Integration layer (open banking, KYC/KYB, payments)
Admin ops console
QA plan + test coverage for critical flows
Monitoring + alerting (launch-ready)
Deployment + handover documentation

Pricing & timeline (US ranges)

MVP (8–10 weeks)

Best for:

validating demand, early onboarding, basic banking flows

Includes:

onboarding, account view, transactions, basic admin

Growth build (12–16 weeks)

Best for: real payments, stronger ops, reliability

Includes: ACH flows, KYC/KYB, alerts, monitoring, hardened admin

Enterprise / modernization (4–6+ months)

Best for: bank/credit union modernization, multi-tenant, advanced governance

Includes: deeper core integration, audit workflows, security hardening, scale testing

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Fintech APIs

Mobile Banking App Development Company USA

Clients & Partners

Want to Be on the List?

FintegrationFS has partnered with leading financial technology service providers, leveraging our extensive expertise as a fintech software development company to deliver over 100 production-ready fintech products.

What we build