Custom Financial Software Development

// Custom Financial Software Development

Built Around Your Business, Not the Other Way Around

AROBS specializes in custom financial software development that adapts to your business needs, from digital banking to payments and cloud solutions.

At AROBS, we don’t believe in one-size-fits-all solutions—especially in the fast-moving world of finance. Every financial institution, fintech startup, or payment service provider has its own operational logic, compliance environment, and competitive pressure. That’s why we build custom financial software that adapts to your business—not the other way around.

AROBS' vast expertise in Custom Financial Software Development

Our expertise includes:

1. Software audit
2. Architecture consultancy
3. Cloud solutions
4. SaaS and integration services
5. Cybersecurity
6. Artificial intelligence and machine learning
7. Digital Banking & Digital Insurance
8. Contactless & Paperless Payments

Who We Serve

// Discover how a tailored financial software solution can accelerate your growth.

Book a free consultation with AROBS experts today.

Award-Winning Partnership Driving Innovation in Fintech

At AROBS, we take pride not only in the software we build but also in the partnerships we cultivate. In 2024, we were honoured with the ePartnership Award at the prestigious Gala Premiilor e-Finance, organized by Finmedia and Piața Financiară (Romania), recognizing our successful collaboration with BCR on the George digital platform.

The award celebrated our team’s dedication to delivering high-quality, custom fintech solutions that drive efficiency in digital insurance sales and in-app customer data management. It also underscores the strength of our partnership with BCR, one of Romania’s leading banks.

Our proven track record with large financial institutions, such as BCR, means we understand the complexities and compliance demands of the fintech sector. When you choose AROBS, you partner with a team recognized for excellence and trusted by industry leaders to deliver scalable, secure, and innovative custom financial software solutions.

// Explore our award-winning work with institutions like BCR and learn how we help financial leaders modernize through technology.

See Why Leading Banks Trust AROBS

Why Custom Financial Software Is the Smartest Investment

Unlike off-the-shelf solutions, custom financial software platforms empower fintech companies to scale efficiently, differentiate in competitive markets, and adapt rapidly to regulatory and customer demands.

Here’s why our clients choose tailored solutions over generic products.

1. Tailored Features for Real-World Efficiency

Off-the-shelf tools often come with bloated feature sets that don't align with your unique processes. AROBS builds software that fits your operations like a glove—from client onboarding to transaction workflows—boosting productivity and customer satisfaction.

Your business gains:

Time saved per workflow
Increase in user adoption rate
Reduction in manual processing errors
Improvement in client satisfaction

2. Scalable Architecture for Long-Term Growth

As your business grows, your software should evolve in tandem with it. We engineer scalable platforms that evolve with your needs—whether you're adding new services, expanding globally, or handling increased transaction volumes.

What your business achieves:

Cost per user over time decreases as the number of users scale
Platform uptime and availability for resilience under rapid growth
Speed to deploy new features and services
Revenue per transaction improved for efficiency-driven growth

3. Competitive Differentiation and Market Agility

In fintech and financial services, custom solutions enable rapid adaptation to regulatory changes, shifts in user behaviour, or emerging technologies, giving you a competitive edge.

Your business will have:

Shorter time to market for new products and features
Faster regulatory compliance turnaround time
Faster new market or segment penetration rate
Higher market share gain

4. Long-Term Cost Efficiency

While the initial investment may be higher, custom software eliminates recurring licensing fees, reduces reliance on manual workarounds, and prevents costly customizations of third-party tools.

Your business will be more efficient relative to:

Reduction in licensing and subscription costs
Decrease in IT support or vendor dependency costs
Numbers of FTE hours saved

5. Enhanced Security & Compliance by Design

Security and confidentiality for fintech development

The financial market relies on technological intelligence and customer trust. Hence, any financial technology service provider must have settled strict information security and cybersecurity procedures.

AROBS adheres to international standards and regulations, employing teams of cybersecurity specialists. We hold an independently verified Information Security Management System (ISMS) and are certified to ISO 27001. Also, we have been awarded various industry-specific certifications.

Custom solutions enable us to integrate security directly into your system—ensuring data protection and regulatory compliance from the outset.

Your business will have:

Zero Number of security incidents or breaches (pre/post)
Less Time and cost to pass compliance audits
Zero Downtime or incident recovery time

6. Ownership, Control, and Full Flexibility

Custom software gives you complete ownership—over functionality, integrations, and future development. No compromises.

7. Intelligent Automation & Big Data, Built In

At AROBS, we leverage our deep expertise in intelligent automation and big data engineering to unlock exponential business acceleration. These capabilities are most effective when embedded directly into a platform, something only custom solutions can deliver.

Your business capabilities will be:

Processing speed for claims, transactions, and decisions.
Data-driven insights generated per month
Forecasting or risk scoring accuracy improvement
Labour cost reduction via automation

// Let's discuss your business goals and how AROBS can bring them to life with secure, scalable software solutions.

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Our Engineering Capabilities

At AROBS, we combine engineering talent with deep financial services expertise to design and deliver complex, secure, and scalable software solutions. From architecture to deployment, our teams bring a comprehensive skill set tailored for demanding fintech environments.

Engineering Services

1. Software Development & Frameworks
2. Niche Programming Languages
3. AI & Machine Learning
4. Data Architecture, Warehousing & Streaming
5. Data Science & Analytics

Development & Data

1. Cross-Platform Development
2. UI/UX & Visual Design
3. Design Thinking

Experience & Design

1. Business, Functional & Technical Analysis

Analysis & Insights

1. Agile Coaches & Product Owners
2. Scrum Masters & Scaled Agile Practitioners

Agile Delivery

1. PMO & Administration
2. Program & Project Management
3. Stakeholder Management

Project Management

1. Solution Architecture
2. Microservices Design
3. Cloud Integration

Architecture & Cloud

1. Manual QA & Test Automation
2. Dedicated Test Managers

Quality Assurance

1. DevOps
2. Site Reliability Engineering (SRE)

Continuous Delivery

1. Configuration & Support Engineers
2. Service Management

Support & Operations

// Ready to future-proof your operations? Let's create a roadmap for your tailored solution.

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Our Partnership Process: From Vision to Long-Term Value

At AROBS, our custom financial software development process is built on transparency, agility, and strategic alignment with your business goals.

How We Work Together

1. Discovery & Vision Alignment

We begin with a thorough examination of your business challenges, goals, and user needs. This collaborative vision mapping ensures we’re solving the problems from day one.

2. Scoping & Planning

Our team gathers requirements, analyzes your tech landscape, and defines the architecture. We then deliver a clear proposal, including a budget, timeline, and roadmap.

3. Design & Agile Development

Through agile sprints, we build your solution in close collaboration with your team. Expect regular demos, feedback loops, and complete visibility into every milestone.

4. Testing & Launch

We ensure your platform meets the highest standards with end-to-end testing, user training, and seamless deployment support.

5. Ongoing Support & Optimization

Post-launch, we provide continuous maintenance, feature updates, performance monitoring, and scaling support—tailored to your growth trajectory.

Transparent Project Management. Agile by Design.

Our development model is agile, adaptive, and fully transparent. You’ll work with a dedicated project manager and cross-functional team who provide:

Long-Term Support
That Scales
With You

With AROBS, you’re not just getting software—you’re gaining a long-term technology partner committed to your success in financial services.

AROBS goes beyond go-live. We offer:

// Future-Proof Your Finance Tech Stack.

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Frequently Asked Questions

1. How long does a typical custom financial software project take?

Project timelines vary depending on complexity and scope, but most of them range from 3 to 9 months. Factors such as regulatory requirements, integrations, and feature sets influence duration. We use agile methodologies to deliver incremental value and keep you informed at every stage, minimizing surprises and enabling timely adjustments.

2. How do you manage project costs and budgets?

We start with a detailed discovery phase to understand your needs and define a clear proposal with a fixed or transparent budget. Throughout development, our agile approach allows flexibility—if priorities shift, we discuss the impact openly. Our goal is to maximize your return on investment (ROI) by focusing on high-impact features and minimizing unnecessary expenses.

3. How does AROBS ensure compliance with financial regulations?

Compliance is integral to our development process. We stay current with relevant regulations (e.g., PSD2, GDPR, PCI DSS) and embed compliance checks into every phase—from design through testing. If regulations evolve, our team proactively updates your software to maintain compliance, supported by our ISO 27001-certified security practices.

4. What kind of support do you offer after launch?

We provide extensive post-launch support, that includes performance monitoring, bug fixes, security patches, and feature updates. Support will be customized, varying from on-demand assistance to full-service-level agreements (SLAs) for maintenance and scaling.

5. How will I be involved and informed during the project?

Communication is core for us. You'll have a dedicated project manager for coordination and regular status updates, access to collaboration tools, and frequent demo sessions. Feedback loops are built into every sprint, ensuring that your input is core to the product development. Changes in scope or priorities are made following you request and your approval.

6. What happens if the project faces delays?

We will promptly communicate the causes, impacts, and proposed solutions. Our agile framework and vast experience enable us to adapt quickly, minimising disruptions and keeping the project aligned with your goals.

// Ready to future-proof your operations? Let's create a vision roadmap for your tailored solution.

Start Building Your Custom Financial Platform Now

The Major Trends shaping Custom Financial Software Development Today

1. AI-Driven Personalization and Automation

Artificial Intelligence (AI) and Machine Learning (ML) are redesigning financial software by fostering highly personalised user experiences and automating complex processes. Financial institutions are leveraging AI to improve customer interactions, risk assessment, and operational efficiency, therefore it reduces operational costs. Read more abou it in the EY analysis.

2. Tokenization is transforming global finance

Industry-wide collaboration is essential to scale tokenized assets and connect global financial participants. While financial markets have historically adopted technology slowly, distributed ledger technology (DLT) offers a path to modernization. By automating manual processes, DLT can reduce operational costs, enhance efficiency, and eliminate settlement risks—key drivers of growing interest from major financial institutions. Read more about this trend in the Word Economic Forum.

3. Rise of Embedded Finance and Super Apps

Financial services are becoming increasingly integrated into non-financial platforms. This is known as embedded finance. It enables companies to integrate banking, lending, or insurance services into their existing applications, thereby enhancing customer convenience and generating new revenue streams. Read more about it in the World Economic Forum.

// Partner with AROBS to design, develop, and scale custom financial software that gives you full control, regulatory confidence, and market advantage.