Financial Software Development Services
For more than 15 years, we’ve provided financial consulting and development to some of the leading global fintechs and financial institutions. We offer project-specific solutions or augment in-house tech teams to help our clients stay relevant and competitive in areas such as expense management, prepaid cards, payments processing, and integration.
Trusted by startups and industry leaders worldwide:
Softjourn Financial Expertise
Since 2005 we've collaborated with fintech companies and financial institutions, providing project-specific solutions or augmenting in-house tech teams to help them remain relevant and competitive. They rely on our technical and domain knowledge to implement their product roadmaps, continuously update technology to make maintenance easier, improve UI/UX, build integrations, and add those killer features that help our clients stand out from the crowd.
Financial Technology Consulting
Accelerate your digital transformation with Softjourn's expert consultants who bring two decades of financial software development experience to every project. We will help you leverage a team that understands how to get you from start to finish.
Payment Security
With our payments experience, fintech newcomers to the Money Transfer Operators space develop powerful technology for handling money transfer processes such as new client onboarding, security measures like KYC, and much more.
Expense Management
As a main development partner for PEX and Emburse for over a decade, we know expense management systems top to bottom. From maintaining legacy software to developing innovative solutions, our expense management clients lean on us for expertise to maintain and grow their leadership in the market.
Prepaid Cards
By leveraging our decade of prepaid card expertise, we transform our clients into successful next generation workforce spending platforms by developing a robust SaaS model that lets their customers distribute prepaid cards, control their use, monitor activity in real time, and streamline expense reconciliations.
Payment Processing
Since 2009, we have continually enhanced and maintained our clients' transaction and card processing systems. We reduce time and cost associated with switching to new solutions, develop simulators to test hardware needs, and create all-in-one dashboards to provide clients with real-time information.
Money Transfer Operators (MTO)
With our payments experience, fintech newcomers to the Money Transfer Operators space develop powerful technology for handling money transfer processes such as new client onboarding, security measures like KYC, and much more.
Open Banking
Open Banking, mandatory in Europe under PSD2, is now revolutionizing American banking. We help implement Open Banking in ways that make customer experiences more personalized and transactions more secure. We do this by creating a system that facilitates a network of the financial institution's data through the use of our fine-grained, access-controlled APIs.
Know Your Customer
KYC is a global concern regarding fraud, money laundering and terrorist financing. We are adept in both KYC compliance and, in the process, enhancing the customer experience. Solutions can include AI-based questionnaires that adapt to customer responses or blockchain systems that speed up verification of customer data, required to prevent fraud.
Banking Software
We build secure, scalable banking solutions that meet regulatory requirements and deliver exceptional customer experiences. From core banking systems to mobile banking apps, our expertise spans digital transformation, API integrations, regulatory compliance, and modern banking infrastructure.
Team Extension
Whether you need extra hands to speed up product delivery, specialized skills for complex tasks, or simply want to scale your team without the hassle of recruitment, we are here to help.
Cloud Consulting
Enhance your financial software solutions with our Cloud Consulting Services, offering expert guidance and innovative cloud-based solutions.
Digital Wallets
With the world swiftly transforming, digital wallets are becoming a new banking norm, allowing customers to do many things on the go. With more than a decade of developing fintech solutions, Softjourn's experts know how to build flexible, scalable, and reliable solutions.
Looking for a financial software development company that delivers custom, scalable, and secure solutions? Let's build the future of finance together.
Get in TouchOur Financial Case Studies
Expense Management
A Leader in Innovation After a Decade of Partnership
Discover how our decade-long partnership with PEX has led to the development of innovative financial software solutions, including a scalable microservices architecture and a robust marketplace with integrations to leading accounting platforms.
Prepaid Cards
PayPartners: Innovative Prepaid Solution
PayPartners wanted to build a financial solution that included prepaid card processing, managed the entire payment processing lifecycle, and enabled employers to issue payment cards to overseas employees.
Prepaid CardsPEX: Xamarin for Building Expense Management App
Using their previous experience building prepaid card API, Softjourn paired with PEX to develop a user‑friendly interface for phones and tablets that allowed companies to make use of prepaid cards to better track employee spending.
Payment Processing
UPC: Improving Payment Processing with Server Maintenance
To keep UPC's customers happy with the system and keep maintenance costs down, UPC collaborated with Softjourn to migrate and update the processes associated with eCommerce Connect. Softjourn's original area of financial expertise is payment processing, especially when it comes to technology that en
Accounting Platform
Bullet: Adapting to New Irish Payroll System Requirements
Bullet developed an accounting product for Irish companies that has all of the accounting rules (invoicing, payments, reporting, bank reconciliation, receipt tracking, and mileage tracking) built into its workflows. The existing accounting software was updated according to the legal requirements.
PaymentsUPC: Adding Buy Now Pay Later to Meet Consumer Demand
UPC can now offer buy now pay later to its clients, providing yet another way for all involved in the financial ecosystem to interact and exchange goods and services. This helps our client remain at the forefront of the financial industry.
Expense Platform
How an Expense Management Leader Optimized Their Elasticsearch Through a Massive Upgrade.
Softjourn developed a customized comparison tool to help our expense management client upgrade their Elasticsearch from version 2.3.4 to version 7.9. With our handy tool, we made sure the client's user experience was not impacted during the upgrade. Through this upgrade, the client can be confident
Expense PlatformTaking Over the Development and Support of an Existing Expense Management Platform
The client approached Softjourn for a dedicated development team to support its cloud-based expense management automation product. After a merger and an acquisition, their internal team was moved to other in-house tasks, leaving the company's core product with minimal support.
Expense PlatformHow a Leader in Fintech Gained a Competitive Edge by Integrating Services
Our financial client wanted to keep up with the competition by integrating with popular payment services. Working with a partner helped them avoid common pitfalls during tricky integrations.
Expense PlatformCase Study: Benefits of Performance Testing in Financial Projects
Every financial application that is consistently growing and getting new functionalities requires checkups. For companies that are developing complex applications and large systems, having a sustainable application with a high amount of users is the prime concern.
Expense PlatformCase Study: Introduce New Currencies for Customers’ Direct Pay Bank Accounts
Adding new currencies to Direct Pay bank accounts which automates payments in multiple currencies so international companies can use it in different countries without having to set up new accounts separately.
Payments Platform
Card Tent Partners With Softjourn to Develop Its Global Payments Platform.
By working with an expert, financial software development team, Card Tent was able to overcome the difficulties of integrating white-label products on top of third-party software.
Automated TestingCase Studies: Automated Testing in Financial Industry
The benefits of automation in finance are best seen when it comes to regressive testing, which helps cut testing time and simplify the testing process. Changes to the code can affect the normal functionality of an application, and regression testing ensures that there will be no unexpected errors or
Corporate Cards
Tribal Credit: A Proactive Partnership Eliminated Blockers & Saved Time for a Fintech Company
Tribal Credit successfully transitioned their system from 1.0 to 2.0 with the help of Softjourn's .NET and Java developers, solutions architect, and quality assurance team. We provided extensive documentation and technical guidance to ensure a smooth transition.
Finance
Magic Software: The Extra Step We Took to Ensure Exceptional UI/UX Design
Softjourn partnered with Magic Software to create a comprehensive UI/UX design for their legal reporting app in the banking and finance sectors. By combining multiple reporting types into a single application, we streamlined financial processes and provided a more efficient user experience.
Accounts Receivable
Zero Downtime, Maximum Performance: Versapay's Smooth Database Migration
Softjourn collaborated with Versapay to upgrade their financial software's database system, enabling better performance and scalability. We ensured a seamless migration with zero downtime using AWS Aurora and the Database Migration Service (DMS). This project highlights our expertise in developing s
Payment ProcessingFuture-Proofing UPC’s Open Banking Platform: A Strategic AWS Migration
Softjourn partnered with UPC, a key player in Ukraine's financial sector, to modernize its Open Banking platform through a strategic AWS migration. The phased approach ensured PCI DSS compliance, enhanced scalability, and reduced operational costs. This modernization enabled UPC to maintain its comp
Payroll Software3-Week Code Audit: Enabling Confident Acquisition Through Technical Due Diligence
Our comprehensive 3-week code audit enabled a fintech company to confidently proceed with their strategic acquisition of a payroll reporting software platform. We conducted comprehensive technical due diligence, encompassing security assessments, licensing compliance, and performance analysis across
Cloud Infrastructure DevelopmentBanking System Redevelopment for Long-Term Growth
With their SaaS core banking platform reaching end-of-life, our client needed a full-scale technology rebuild to avoid disruption. Softjourn delivered a custom banking infrastructure with modern cloud architecture, robust security, and automated deployment pipelines. The new system supports high ava
Fintech ComplianceBuilding Secure, Auditable Financial Systems for a U.S. Bank
Softjourn supported a U.S.-based bank in preparing for FDIC and PCI-DSS audits by delivering secure architecture, system documentation, and reliable SDLC processes. Our team acted as a technical partner to compliance teams, producing auditable materials and improving their long-term system maturity
Fintech ModernizationCore Modernization for a Community-Focused Financial Institution
To support evolving customer expectations and regulatory needs, a US-based financial institution engaged Softjourn to migrate from an aging core system to a modern, multi-vendor infrastructure. Our financial systems expertise enabled us to deliver a future-ready platform with seamless integrations,
Some of the Features We Can Develop
Automation
Reduce the manual work by automating a variety of your app’s functions. Instead of manually choosing options, our team can automate workflows to ensure all reports are in line with corporate demands. Our developers understand where fintech apps need automation to reduce the time necessary for creating reports, authorization, and managing risks.
Rules Builder
With a rules builder, creating, submitting, and managing documentation within one platform was never more accessible. With our expertise in expense management and prepaid card issuance, we know where the pain points are and how to manage them. Set business rules to support the spending limits on where and when cards can be used.
Integrations
Our experts worked on integrating a number of different tools for our clients to support faster decision-making, cost-effectiveness, and increased productivity. As a result, we can create direct integrations with some of the biggest platforms and API-based integrations that your users can easily activate and deactivate. We can audit your current solution and provide different scenarios for fast and secure implementation.
Analytics & Reporting
An analytics and reporting feature allows application users to go through a vast amounts of data swiftly. With a better understanding of where and how the money goes, it’s easier to make strategic decisions. In addition, our team can help you leverage insights into performance to quickly identify critical errors and solve them to improve your application’s performance.
Dashboards
Use a dashboard to access, manage, develop and review data on your platform. We know how to empower your developer with in-depth information and documentation so they can have everything under control.
Search & DB Improvement
Data is important to achieving business goals. By leveraging our experience, we can ensure compliance, reduce downtime and work to prevent data losses. Improvements can be made to make your data storage well-structured, consistent, accessible and compliant.
Admin/Customer Mobile Apps
Allowing customers to spin things the way they want is our mission. We can create applications that offer flexibility at every level. Admin application allows more control over rules and automation, increased safety, and access to critical information and insights crucial for business development.
Security and Risk Control
Our goal is to ensure our client’s growth while balancing risk and compliance. We leverage our experience to build tools for mitigating risk and help protect against fraud and loss of revenue. By improving fraud detection and removing complexity while supporting compliance requirements, you can offer a more streamlined journey.
Onboarding Process
Reducing the time per task for administrators is crucial for each client. The team at Softjourn knows how valuable easy onboarding is to create a customized experience. We can develop Admin app or master control application where all platform customization would take place.
Want to know how our financial experts can help your project?
Contact UsEngagement Models
Need technical skills or expertise? A dedicated team with financial software development experience can help extend resources, and can work seamlessly with your company under your guidance or ours. This model is ideal when planning long-term or larger-scope projects, having several projects or a pool of tasks, or don't have a clear vision of future project objectives. Learn more about how Softjourn's dedicated team can support your projects and scale your business goals.
What Services We Offer
The most crucial skill we provide is a tried-and-true method for reducing risk and keeping costs under control, regardless of whether we're updating an old code or developing a new one. Our clients can count on us to provide high-quality financial software that fits their needs and budgets thanks to our proven approach. Discover more about Softjourn's expert Consulting Services.
Softjourn's competence as a software development firm with a focus on financial technology comes in assisting our clients in defining and creating the best solutions to achieve their expected objectives. Even if customers are unsure of the exact product they require, our team is experienced at finding the best solution and delivering it. Learn more about Softjourn's Discovery Phase Services.
As a leader in the financial technology industry, our clients rely on us to help them stay competitive by continuously offering new and improved services. We have a distinct advantage when it comes to creating cutting-edge solutions that satisfy the changing needs of our client's thanks to our internal research and development centers, which were created in 2008. Read more about Softjourn's Research and Development Services.
Our team of designers and illustrators has extensive UI and UX design experience, as a result that Softjourn has a heavy emphasis on developing software for financial technology companies. We are able to swiftly and effectively take ideas from concept to prototype to deployment while lowering expenses by working closely with our clients to completely understand their demands. We can provide great user experiences that boost business outcomes thanks to our knowledge in this field. Explore further into Softjourn's Digital Product Design Services.
Software development has grown exponentially in recent decades. Softjourn is the solution to help you define and develop forward-thinking technology that gets real-world results. Get to know more about Softjourn's Software Engineering Services.
We at Softjourn think that careful software evaluation, quality assurance, and analysis are essential to the performance of any software development project. We recognize software's crucial role in generating company success because we are authorities in the financial technology sector. In order to guarantee that the products we supply are of the greatest quality and aid our clients in achieving exceptional results, our committed quality assurance team collaborates closely with them. Explore further into Softjourn's QA services.
We have a long history of offering our clients top-notch application support and maintenance services as a software development firm focusing on financial technology. We have committed to guaranteeing the continued success of every project we work on from the beginning. In addition, our commitment to providing excellent customer service has made us known as a dependable and trustworthy partner. The assistance and upkeep that our clients require to keep their software operating efficiently and successfully are always available from our team. Get to know more about Softjourn's Application Support and Maintenance Services.
Our technology stack at Softjourn is designed to empower us to deliver world-class services to our clients. With a strong focus on innovation and efficiency, we continually adapt our expertise to stay ahead of the curve. Discover the Technologies and Frameworks we utilize, and learn how we can bring your ideas to life.
Technology Expertise
Softjourn is a software development company with almost two decades of experience building digital solutions for fintechs, banks, and other financial institutions. We help our clients take advantage of the best and most relevant technologies while significantly speeding up their development processes.
Our teams have worked on large-scale projects for banks, payment processors, and expense management platforms, and understand exactly what it takes to develop a stellar product.
Client Testimonials
Tacit Corporation partnered with Softjourn for their financial software development due to their technical expertise and direct approach. Brenda Crainic, CTO of Tacit, emphasized, "Softjourn worked very closely with us to understand our needs, the dynamic of the combined team in Canada and Ukraine, and provided support for their professional growth and workplace satisfaction."
Softjourn's dedication to understanding Tacit's needs has helped enhance their platform's capabilities, ensuring robust financial software development solutions – an ongoing collaboration that reflects our commitment to delivering high-quality, innovative services.
Financial Software Development: Common Questions
We build across the full spectrum of financial technology: payment processing platforms, banking and core system integrations, expense management applications, money transfer and remittance services, prepaid card platforms, Buy Now Pay Later (BNPL) solutions, and trading/risk management systems. Across 150+ FinTech projects, we've done everything from helping banks pass FDIC audits to building CardTent's global payout platform for cross-border payments.
It depends on the project. Not every FinTech product needs PCI DSS from day one. A startup validating an idea has different compliance needs than a bank processing live transactions. That said, when compliance is required, we've been through it enough times to know how to build it in without derailing your timeline. We've implemented PCI DSS for platforms like PEX and Bullet, prepared a Texas bank for its FDIC audit (the auditor called the technical components "brilliant"), and built KYC/AML-aligned systems. The key is scoping the right level of compliance for your stage, not over-engineering it early or scrambling to pass audits later.
That's the goal, and we've done it. But we won't pretend it's easy. Legacy migrations in finance are high-stakes because you're dealing with live transactions and regulatory oversight. We've migrated a bank's core system from a legacy SaaS platform to AWS, finishing 1–2 months ahead of the end-of-life deadline with zero operational disruption. For Versapay, we pulled off a database migration with zero downtime. Every case is different, though, and the approach depends on your current architecture, data complexity, and how much risk your organization can tolerate during the transition.
We've been building financial software for over 15 years, with 150+ projects in the sector. Our longest FinTech partnership, with PEX (an expense management platform), spans 10+ years and has included mobile development, PCI compliance, Salesforce integration, Power BI analytics, and DevOps transformation. We also work with payment processors, banks, money transfer services, and FinTech startups at various stages.
We work with businesses of all sizes, and the engagement looks quite different depending on where you are. With startups, the challenge is usually figuring out what to build and how to stretch a limited budget; for example, we've helped a Malaysian FinTech startup go from idea to investor-ready specifications through a focused Discovery phase. With SME and enterprise clients, it's more about integrating with existing systems and teams without slowing things down. We don't have a one-size-fits-all model; the approach depends on your stage, budget, and what you actually need from an external team.
Our tech choices are driven by your requirements, not our preferences. Common stacks in our FinTech work include Java and .NET for backend processing, React and Angular for frontends, Node.js for real-time services, AWS and Azure for cloud infrastructure (with Kubernetes for container orchestration), and MuleSoft for enterprise integrations. Across our FinTech work, we've helped clients build marketplaces, integrate multiple service offerings, and unify 30+ vendor systems into cohesive architectures. If you'd like advice on which technologies fit your idea or current project, we're happy to help.
Security is built into our development process, not bolted on afterward. Every project includes code reviews with a security lens, automated dependency and vulnerability scanning in CI/CD pipelines, and encryption best practices. When projects require it, we go deeper: role-based access control, compliance-specific configurations, and audit logging. For regulated clients, we've helped achieve and maintain PCI DSS compliance as part of broader platform development. The goal is security-aware engineering that fits your actual risk profile, not a one-size-fits-all checklist.
There's no standard answer. It depends on what you're building, what compliance standards apply, and how your team is structured. A focused module (say, adding BNPL to an existing platform) costs significantly less than building a full payment processing system from scratch with PCI DSS compliance. We're upfront about pricing: after an initial scoping conversation or Discovery phase, we provide detailed estimates broken down by phase so there are no surprises. Some clients prefer fixed-scope projects; others find a dedicated team model (monthly rate) works better for ongoing product development. If you aren't sure yet, we'll help you figure out which makes sense for your situation.
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The team in Ukraine is so closely integrated with us, they understand what we are trying to achieve. Distance is not an issue, it is the opposite in fact, it means that PowWow never sleeps!
We were encouraged because Softjourn asked the right questions, involved people with the right experience in to the conversations. Showed good leadership in managing the process of walking them through the sales process, keeping them on track, and has a lot of strong knowledge in the financial area, as they are a small software developer company and there are always so many other things that are pulling us in multiple directions. As well Softjourn shows a lot of experience in multiple programming languages and in combining them in to one product.
We have been working with Softjourn for 5+ years now and our developers continue to impress me with their expertise, knowledge and dedication to our project. They are my team and I count on them as if we were all working in the same office!
Brenda CrainicCTO at Tacit Innovations
Results are fantastic. On either iPhones or Android phones, the app is easy to use and really attractive. We're increasing our activity in the consumer market, and these great-looking, great-functioning apps will help us expand our reach.
The development team at Softjourn has been fantastic to work with. They are professional and have met our deadlines, while screenshots are pretty cool and I'm excited for our clients. They are going to really appreciate the enhanced functionality of our platform. We have some pretty cool services that are folded into this eWallet that go above and beyond what we currently use. We're very excited to work with Softjourn on this.
Jeff EhneyFounder & CEO at Card TentSoftjourn really helped us grow to the next phase, and provided the stability for the transition to 2.0. I really enjoyed working with Softjourn, and am excited to keep on working with them.
Justin MaplesVP of Engineering at Tribal CreditWe greatly appreciate the work and support Softjourn has provided to Versapay. Their expertise and understanding of our business needs have been invaluable. Softjourn consistently delivers what we ask for, and more. Their team is quick, asks the right questions, and maintains a positive approach throughout. Their deep domain knowledge and business-level insight enable them to spot potential issues early, ensuring the success of our projects.
Philip PettinatoCTO of Versapay