Innovation
Technology that helps fintech ideas thrive.
- First products for startups and new ventures
- Modernisation of legacy financial systems
- Real-time market data and transaction engines
Fintech software development
Innovation, balanced with security and compliance.
Latent builds the systems regulated finance runs on: secure, PCI-compliant trading platforms, digital banking apps, fund accounting software and payment integrations for brokers, mutual funds, AIFs, banks and NBFCs, from first product to modernised legacy system.
Trusted by teams at
- Upstox
- Motilal Oswal
- Saudi National Bank
- GOSI
- Parrot Finance
- Fintent
$1B+Transactions processed on platforms we've built
92%Client retention across fintech engagements
3Regions served: USA, UK and India
Our approach
Every product stands on the same three commitments.
Security
Engineered in from day one, never bolted on.
- PCI-DSS-aligned architectures
- Biometric authentication
- Encryption at rest and in transit
Compliance
Built for regulated markets that keep moving.
- Audit-ready data flows and controls
- Adapts to evolving financial regulation
- Compliance features shipped, not promised
How an engagement runs
Prove it first, comply early, then scale.
How a Latent engagement compounds
Product maturity · engagement timeline
“To build fintech solutions that balance innovation with security and compliance.”
“We partner with clients as co-innovators, delivering technology that adapts to evolving regulations and markets.”
Services
What we build, end to end
Mobile app development
Digital banking, payments and personal finance apps: real-time transaction tracking, biometric authentication and API-driven integrations.
Security · Innovation
Web app development
Trading platforms, investor portals, ETF and NAV management systems, and admin CRMs. Responsive, fast and compliant.
Innovation · Compliance
Backend development
Core financial engines: real-time market data, transaction processing, fund accounting logic and secure banking APIs.
Innovation · Security
QA & testing
Functional, security and compliance testing, so your product ships reliable and audit-ready.
Compliance
DevOps & cloud
Scalable cloud infrastructure, CI/CD and monitoring engineered for the uptime financial products demand.
Security · Innovation
Case studies
Proven across trading, banking, funds and insurance
Trading
Parrot Finance
Redesigned mobile app and web portal for a stock market platform: modern UI, real-time market data integration and dynamic Front API functionality.
Real-time dataWeb + mobile
Fund accounting
Fintent
Custom fund accounting software built from scratch, a scalable web solution beta-tested with key customers.
Built from scratchBeta-tested
Banking
Saudi National Bank
Custom mobile app integrating Oracle IAM APIs to enhance employee access and improve accessibility.
Oracle IAMEnterprise mobile
Insurance
GOSI Saudi Arabia
Mobile app and centralised web CRM integrated with Oracle IAM, with mobile access for sales teams plus an executive dashboard.
Remote accessExecutive dashboard
Broking
Upstox
Dedicated Channel Partner app for India's leading stockbroking platform. Streamlined operations with real-time network performance insights.
Channel partnersReal-time insights
Broking
Motilal Oswal
Specialised web app for managing Exchange Traded Funds: scheme handling, NAV management, transactions and compliance features.
ETF managementCompliance
Clients
“One of the best IT guys whom I have worked with in my career of around 15 years.”
“The attention to detail, creativity and the communication have all been top-notch!”
“They have looked at these projects as their own and provided above-and-beyond service.”
“We're rising to the top and starting to get organic leads from all the work you've done!”
Questions
Before you write to us
What does Latent do as a fintech software development company?
We design and build secure, compliant and scalable fintech products: mobile and web apps for digital banking, payments and personal finance, trading platforms, fund accounting software, backend systems, QA and DevOps. Platforms we've built have processed over $1B in transactions, and we hold a 92% client retention rate.
Which financial segments do you build software for?
Brokers and stockbroking platforms, mutual funds, AIFs (Alternative Investment Funds), fund accounting teams, banks and NBFCs, from startups launching a first product to enterprises modernising legacy systems.
How do you handle security and regulatory compliance?
Security and compliance are engineered in from day one: PCI-DSS-aligned architectures, biometric authentication, strict data protection, and technology that adapts to evolving financial regulations and markets.
Where do you operate and how do we start?
We serve fintech clients across the USA, UK and India. Email chinmay@latenthq.com or call +91 9970777517, Monday to Friday, 10:00 AM – 6:00 PM IST.
Tell us what you're building.
A trading platform, a digital banking app, fund accounting software, or something the market hasn't seen yet.
- chinmay@latenthq.com
- Phone
- +91 99707 77517
- Locations
- USA · UK · India
- Hours
- Mon–Fri, 10:00–18:00 IST