App development

Fintech app development for payments, wallets and lending

Operix builds fintech apps for businesses and start-ups: payment and collection apps, digital wallets, instalment and lending apps and finance dashboards. Money moves through licensed banks and payment partners, and the app handles users, records, approvals and reports.

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What we build

Types of fintech app

Payment and collection apps
Digital wallet apps
Instalment and buy-now-pay-later apps
Loan and lending management apps
Committee (BC) and savings apps
Expense and petty cash apps
Invoice and payment reminder apps
Finance dashboards for owners

Features

What the app includes

KYC and onboarding

Identity details and documents collected and verified before an account is active.

Payments

Integration with banks and payment gateways for collections and payouts.

Ledgers

Every transaction recorded with a balance per user that always reconciles.

Instalments

Payment plans, due-date reminders, late fees and recovery lists.

Security

Reports

Collections, outstanding balances and defaults for management and auditors.

Behind the app

The system it runs on

Financial apps live or die on their ledgers. We build them on the same accounting principles as our ERP, so every rupee or dirham has a matching entry.

How we work

From idea to app store

Step 1
Discovery
We sit with the people who will use the system and write down how work really moves today.
Step 2
Design
You see every screen before we build it, and change it while change is cheap.
Step 3
Build
Weekly releases you can click through, on your own data, not a demo.
Step 4
Train
Your team learns on the live system, branch by branch, in Urdu or English.
Step 5
Support
One WhatsApp number for questions, fixes and the next feature.

Questions

Fintech app: what people ask

Do I need a licence to launch a fintech app?

Holding customer money or lending usually needs approval from the State Bank of Pakistan or the relevant UAE regulator, or working through a licensed partner. We build the app; the licence or partnership is on your side, and we integrate with that partner.