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Top 10 FinTech Software Development Companies in Europe [2022]

Alex Malyshev

FinTechs have gone from disruptive to popular to profitable. So much so that incumbents are changing their strategies to buy, compete, or cooperate with their innovative competitors. As a result, global FinTech investment has surged – the first half of 2021 alone brought in $98 billion, compared with $121.5 billion for all of 2020, according to KPMG’s Pulse of Fintech report. 

It’s not just the investors who are thrilled about FinTech. Spurred on by the pandemic restrictions, customers became familiar with the convenience and accessibility of FinTech services. While traditional bank branches were closed, customers opened accounts in digital-only neobanks in mere minutes. They paid their bills faster using payment services. They got better exchange rates online. All of this at a colossal pace – in only eight weeks, the US vaulted five years forward in consumer and digital adoption, according to McKinsey research.

In Europe, companies and governments alike are dealing with a multifold increase in demand for digital payments, banking, and online financial services. The FinTech industry has gained a growing, receptive customer base that is grown weary of outdated, traditional financial products that have less and less to offer. Now is the time to capitalize on the welcome shift in consumer preferences.

How to start a FinTech company? 

Entrepreneurs, startups, and businesses working to create a FinTech solution need a highly dedicated team, strong vision, and modern tech components. As in-house FinTech product development involves considerable risk and very narrow windows of opportunity, many partner with FinTech software development companies to benefit from their industry expertise.

There are many ways to start a FinTech company – see our article on how to start a Neobank for more information. carefully vetted, researched, and analyzed reputable resources to create this shortlist of the finest FinTech product development companies with a strong presence in Europe, even if their headquarters are elsewhere. Clutch, Top Developers, Good Firms, IT Firms, Crunchbase, and the companies’ websites are just some of many sources used to compile this top 10.

Top 10 FinTech Software Development companies in Europe

best fintech software development company

Headquarters: Vilnius, Lithuania
Founded in: 2013
Specialization: FinTech, Payments, Banking, Data Science
Minimum project size: Information available on request

Founded by a team with 15+ years of experience in FinTech, offers a highly secure and mobile-ready platform that has everything companies need to launch their banking or payment products. saves companies up to a year in product development of payment systems, neobanks, corporate banks, money remittance, e-wallets, online and in-store payment systems, and other payment-related services. 

The FinTech software development company’s ready-to-go software solutions come with source code license for the full control over their solution and maximum flexibility. Additionally, is actively working on the innovative FinTech data science tools, such as cloud BI for banking and payment industries, and image forgery detection tools to help companies prevent lengthy investigations, unnecessary losses, and drastically improve their efficiency. 

Market-ready digital banking platform


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fintech software development


Headquarters: London, UK
Founded in: 2002
Specialization: FinTech, Healthcare, E-commerce/Retail, Entertainment
Minimum project size: $25 000

With development centers and offices all over Europe and the world, Ciklum builds tailored digital solutions that leverage emerging technologies for Fortune 500 and fast-growing companies. Just Eat, Flixbus, Metro Markets, EFG International, Zurich Insurance, and Lottoland are just some of many clients that have entrusted Ciklum with software development.

Ciklum leverages its nearly two decades of expertise to deliver solutions with proven market value and enhance digitally immature products. The companies’ specialists diligently guide clients through data-driven principles and offer a unique perspective with strong digital consulting aligned to business goals. 


software development europe
Headquarters: Austin, USA
Founded in: 1993
Specialization: FinTech, Energy, Healthcare, Retail, Media and Entertainment
Minimum project size: $50 000

For almost three decades, SoftServe has been transforming, accelerating, and optimizing how companies do business. As a digital authority on cutting-edge technology, the company implements end-to-end solutions that deliver innovation without compromising quality or speed. SoftServe relies on an empathetic, people-centered foundation to generate compelling new ideas, develop, and implement transformational products and services from concept to release.

SoftServe strives to empower its clients to identify their unique advantages, accelerate solution development, and improve competitiveness in today’s digital economy. The company’s key clients include Panasonic, Henry Schein Practice Solutions, BMC Software, Avery Products, Allscripts, Zilliant, Cloudera, MEDHOST, SolarWinds, and many others.


european software company
Headquarters: Newton, USA
Founded in:1993
Specialization: FinTech, Tourism, Media and Entertainment, Life Sciences, Healthcare
Minimum project size: $10 000
Since its founding in 1993, EPAM has leveraged its rich software engineering expertise for global product development, digital engineering, and cutting-edge digital product design. EPAM’s software engineering strength, innovative strategic planning, and professional IT consulting services have been recognized by industry leaders and independent research institutes.

With roots in Belarus, EPAM helps 275+ Forbes Global 2000 customers in 35+ countries transform challenging business challenges into profitable business opportunities. Innovative design, next-generation solutions, and unique engineering culture make EPAM a trusted FinTech software development company.


software dev company

Headquarters: Zug, Switzerland
Founded in: 2000
Specialization: FinTech, Telecom, Energy, Automotive, Travel & Aviation
Minimum project size: $5 000

Luxoft’s deep domain expertise cements its status as a top-quality FinTech software development company for high-end business solutions. The company consistently brings together technology, talent, innovation, and the highest quality standards to build long-lasting partnerships with industry giants, such as Boeing, IBM, Deutsche Bank, UBS, Harman, Avaya, Alstom, Sabre, Ford, Hotwire, and many others.

Luxoft attracts seasoned business and technology specialists who fulfill the most demanding client needs with high-quality, innovative technology solutions. The company’s proprietary processes and methodologies, technology skills, and industry knowledge enable business transformation, enhance customer experiences, and boost operational efficiency. 


company software development EU
Headquarters: San Jose, USA
Founded in: 2000
Specialization: FinTech, Automotive, Communications, Consumer & Retail, Healthcare
Minimum project size: $25 000

GlobalLogic is a full-lifecycle FinTech product development company that leverages chip-to-cloud software engineering expertise to build and deliver next-generation digital products and services. GlobalLogic expertly integrates design, complex engineering, and agile delivery capabilities with a solid European presence across offices and development centers to produce superior business outcomes for global brands.

The company pays special attention to helping clients answer the question of what they want to build with top-tier brand strategists, ideation experts, and UX designers. The design-led approach enables complete digital transformations for the most critical and strategic products that drive GlobalLogic’s customers’ revenues. 


EU software dev company fintech
Headquarters: Miami, USA
Founded in: 2007
Specialization: FinTech, Construction, Healthcare, Insurance, Logistics & Automotive
Minimum project size: $50 000
Intellectsoft’s software development FinTech services help businesses of any scale leverage cloud technologies such as digital wallets, secure trading, payment processing, cross-border transactions, and lending. Intellectsoft relies on cutting-edge technologies to accelerate adoption of new solutions and untangle complex challenges that emerge during digital transitions.

 Intellectsoft handles full lifecycle development and management of custom software, starting with ideation and concept to delivery and ongoing support. The company’s structure and IS360 framework allow it to maintain a tailored approach to each client and enable successful digital transformations while fostering deep engineering expertise. 

Ready-to-go ewallet software with source code

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Future Processing

fintech development
Headquarters: Gliwice, Poland
Founded in: 2000
Specialization: FinTech, Data Science, Machine Learning
Minimum project size: $25 000

In just over 20 years, Future Processing went from 2 people to 800, 200 clients, and 600+ projects. Software development FinTech services are upheld by the company’s mission to leverage technology and ask the right questions to deliver the highest quality solutions on time. 

With a deep pool of talented software engineers, Future Processing can manage software development projects from the initial requirements gathering and analysis to final maintenance and support. The company stays at the forefront of innovative technologies to help their clients make the most out of digital with Machine Learning, Cloud, or Data Science solutions. 


Headquarters: McKinney, USA
Founded in: 1989
Specialization: FinTech, Banking, Healthcare, Manufacturing, Retail, Telecommunications
Minimum project size: $5 000

ScienceSoft is an established FinTech software development company that has vast expertise in developing a wide range of solutions for banks and financial institutions, from internet banking and CRMs to data analytics and lending software. 700+ specialists cater to big corporations and startups alike as the company’s solutions can be platform-based or customized. 

IBM, eBay, Robert Half, Viber, PerkinElmer, Ford Motor Company, and other prominent companies have formed reliable partnerships with ScienceSoft, and it does everything to live up to its clients’ expectations. No matter how great the uncertainty, the company excels at both detailed and strictly controlled project plans. 


Europe fintech devepoment
Headquarters: Katowice, Poland
Founded in: 2005
Specialization: FinTech, HealthTech, Retail, Telecom, Industry 4.0, IT Consulting
Minimum project size: $10 000

JCommerce has been building scalable digital solutions to empower clients with a competitive edge. The company has helped its clients implement and develop Enterprise-class applications and systems, payment systems, and business automation solutions for clients in the financial services industry such as ING Bank Śląski, ERGO, Backbase, and Squared Financial Services.

JCommerce is invested in commitment, collaboration, and transparency as a way of achieving true and trusting partnerships. The company’s 300 skilled specialists leverage the best practices for project and team delivery in nearshore and offshore models to innovate and deliver value with full-cycle product development.

White label core banking system

Comes with source code license

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Which FinTech software development company is the best? 

Choosing the right software development partner is no easy task. The difference between an average match and a great one can make or break even the best FinTech product. Dedicating time to explore, research, and talk with different companies will pay for itself in no time at all. 

The team at has worked tirelessly to make innovative FinTech products as accessible as possible. With 15+ years of expertise at the heart of the platform, has everything you need to launch your banking or payment product. Contact us to see how our solutions would work for your organization. 


  1. Pulse of Fintech H1’21. KPMG 2021
  2. World FinTech Report. Capgemini and Efma 2021
  3. The Next Normal. The recovery will be digital. McKinsey & Company 2020
  4. Crunchbase
  5. Clutch
  6. The Companies’ websites and social media pages


What are top fintech software development companies in EU?

The most known ones are, Ciklum, SoftServe, EPAM, Luxoft, GlobalLogic, Intellectsoft, Future Processing, ScienceSoft, JCommerce

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