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.
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
Login protection, device checks, encrypted data and audit trails.
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.
ERP software
Purchasing, stock, sales, accounts and HR in one system, built around how your company already works.
ExploreMobile app development
Android and iPhone apps for your customers and your team, connected to the same data as your ERP or website.
ExploreUI/UX design
Screens your staff can learn in a day, designed before a line of code is written.
Explore
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.
Can you integrate JazzCash, Easypaisa or bank gateways?
We integrate with the payment partners you have agreements with, subject to their APIs and approval.
Can you build an instalment app for my shop?
Yes. Instalment plans, reminders and recovery lists work well for electronics, furniture and bike dealers.
Where
Pakistan and the UAE
Pakistan
ERP, POS and CRM software in Pakistan
PKR books and sales tax · Cash, card and wallets · Credit customers
United Arab Emirates
ERP, POS and CRM software in Dubai and the UAE
AED books and VAT · Multi-currency · Multilingual websites
Pakistan
Software company in Karachi
On-site, not just online · Karachi's trades · Branches across the city
Pakistan
ERP, POS and websites for businesses in Lahore
Retail and fashion chains · Manufacturing and textile · Distribution
Pakistan
Software development for Islamabad and Rawalpindi
Service companies · Retail and restaurants · Field teams
References
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App development
Other kinds of apps we build
Ecommerce app development
Single-vendor store apps, B2C brand apps, B2B wholesale ordering apps
See ecommerce app →Marketplace app development
Multi-vendor product marketplaces, Service marketplaces (plumbers, tutors, cleaners), Rental marketplaces
See marketplace app →Food delivery app development
Single-restaurant ordering apps, Multi-branch restaurant apps, Cloud kitchen apps
See food delivery app →Logistics and delivery app development
Last-mile delivery apps, Courier and parcel apps, Distributor order-booking and delivery apps
See logistics and delivery app →Taxi and ride-hailing app development
Ride-hailing apps, Cab company booking apps, Airport transfer apps
See taxi and ride-hailing app →Healthcare app development
Doctor appointment apps, Telemedicine and video consultation apps, Clinic and hospital management systems
See healthcare app →Real estate app development
Property listing apps, Real estate agent CRM apps, Builder and project booking apps
See real estate app →Education and school app development
School management systems, Parent and student apps, Fee collection apps
See education and school app →Travel booking app development
Travel agency management systems, Umrah and Hajj package apps, Tour package booking apps
See travel booking app →On-demand services app development
Home services apps (plumber, electrician, AC), Cleaning service apps, Salon and beauty at-home apps
See on-demand services app →AI app development
AI chatbots for WhatsApp and websites, AI document reading (emails, POs, invoices), AI sales and support assistants
See ai app →
Planning a fintech app? Let's talk.
We'll show you what it looks like as one system. We don't publish prices: every quote starts with a conversation.