Lucky Brain

Lucky Brain


Top 7 Programming Languages For Fintech App Development

With a wide gamut of advanced technologies available, the fintech industry has reached the highest peak of success. There is always a new fintech app to see in the online market launched to meet their desire for financial freedom. The growth in transaction rates and low-risk tolerance has brought on the need for developing applications that help streamline banking operations. Also, the reason that COVID-19 is still a big worry, banks have realized that having an app is vital. But all of that, an app needs to be developed using the advanced tech stack. And for this, Banks and fintech companies have to connect with top-rated developers to carry out the job perfectly.

And when it comes to building fintech products, most fintech companies face the dilemma of picking a suitable programming language. It can be a challenging but at the same time important step. After all, programming languages are the building blocks of any application. Be it Python, Java, or C++; each programming language has its unique strength. Even when you will hire software development company, you make sure they are well-versed in all top programming languages for fintech. Below are the best programming languages for the development of a fintech app.


It’s the most secure object-oriented programming language extensively used to develop fintech apps. Such a technology can handle a large volume of sensitive data and ensure the highest security, making it perfect for fintech apps. Other benefits of this language are the stability and versatility that make the fintech apps run on any platform. Programmers who are likely to work on large-scale fintech or big-data projects can consider using Java.

It’s easier to use, write, and compile programs with Java than other languages.
Java has unparalleled security features like automatic memory management, corruption prevention, etc. That’s why it’s ideal to go for those who are worried about security.
This language uses the virtual machine to provide the most portable execution environment for Java programs.


In the fintech landscape, Python is the oldest language that is gaining popularity nowadays. The syntax of this language is easy to learn and quick to implement for the execution of programs. Also, its wide array of extensive libraries exist both in compiled and native form. Python is the most recommended language, especially for fintech applications, AI and ML applications, and many more. The below are a few advantages of the Python language that make it famous worldwide.

Python is one of those high-level programming languages that are easier to understand and learn. It’s a good pick-up for beginners in the development world.
This programming language brings extensive libraries to develop fintech apps such as OS interfaces, internet protocols, web services tools, etc.
User-friendly data structures of Python are another advantage that makes this language popular. A language helps construct fast structures.


Among the list of popular programming languages, C++ is also used to develop high-performance fintech apps. The thing that programmers like about this language is that they can reuse the code, which further lowers the development cost. You can consider this language a perfect fit for a rich library to access the essential tools. In the development of the fintech app, C++ is best for advanced computations where execution speed needs the most. Not suitable for beginners, but experienced developers can use this language in specific niches for more efficiency.

C++ is considered one of the fastest executing programming languages due to its in-built data structures.
Such programming promotes the reusability of code, which is the most beneficial thing for developing complex projects.
Rich library support is another main reason why C++ is best for the development of fintech applications.


Ruby is another top best programming language for financial apps on the list often used due to its countless capabilities. All its characteristics contribute towards building a fast and flourishing app. It’s worth considering Ruby to construct secure digital payment gateways, e-wallets, and financial dashboards. Such a robust framework allows high-secure coding and is beneficial due to the in-built plugins and libraries. Developers prefer Ruby for finance projects due to the following great reasons.

Essential plugins and third-party libraries within Ruby allow the development team to build projects without writing lengthy code.
Another benefit of the Ruby framework is that it helps developers write bug-free code and develop scalable fintech apps.
The development speed that comes up with this framework is much faster.


When it’s about the fintech industry and the development of the financial app, Haskell is also one of those familiar languages that is easy to use. Most of the programmers use it for the implementation of little syntax and semantic rules. Thanks to this emerging programming language, it is a lot easier for one to develop the app without writing large codes.

Haskel is an entirely general-purpose language used for financial management. Plus, for the applications that require good performance, this programming language is the ready-to-go choice. In simple words, it is one of the best available languages available today for writing robust software ever.

It’s entirely versatile for the writing and execution of static programs, making programming safe. Also, Haskell comes with great computing possibilities.
Centered around pure functionality, Haskel contains all the necessary features for the writing of correct software.
Another benefit is its automatic memory management. Such a modern language ensures memory safety which is somehow essential for writing the software securely.


Fintech is the landscape where the demand for financial data is continual. To keep up with those users and their needs, a smooth connection is crucial than ever. And this where Go, or you say Golang comes into the picture to handle millions of records efficiently. Much similar to Java, this programming language ensures high performance. The thing that makes Go unique is its ability to handle multiple tasks at the same time. Plus, this programming language is the best fit in fintech for the development of heavy-load systems.

Structured Query Language

Structured Query Language or, in short, SQL designed to execute database operations smoothly. In fintech mobile app development, its use is for the storage, retrieval, and manipulation of sensitive data. Such a database language makes it possible for anyone to analyze the data and make future predictions. As most of the data in the financial industry holds complexity, SQL is the one that makes it so easy to manage and handle it. SQL’s most common features are database creation, deletion, modification of rows, and many more.

Which Language is the best one for fintech?

The list is extensive as you can see above. Numerous programming languages play a vital part in the fintech landscape. According to a recent survey, Python became a leading choice in no time to develop fintech software. All its driving factors help resolve the challenges that fintech companies usually raise. The open license makes Python the perfect choice. It allows one to avail of an array of tools and extensive libraries for finance management. The simple syntax of Python is easy to learn, one of the benefits for software engineers and developers to develop fintech apps faster.

Popular Python Libraries for Fintech App Development

The most significant advantage of utilizing python for fintech app development is the availability of its countless libraries and tools. The libraries usually focus on crucial factors like payment gateway APIs, predictive analytics, etc.

  • Pandas
  • NumPy
  • SciPy
  • Pyalgotrade
  • Scrapy

Implementation of Python in Different Fintech Areas

Python is essential to apply in a wide array of fintech areas. Let’s discuss those areas one by one:

Banking Apps: Python is a popular programming language for banking software because of its countless opportunities. With the potential of Python, a banking app can help expand the customer base. Also, it allows banking organizations to perform easy one-click payments with customers.

Trading Apps: The digital practice of buying and selling financial assets is growing faster. Businesses who are interested in developing such solutions ask developers to provide a platform that makes trading efficient. And for this solution, Python technology is an excellent choice, ensuring better ROI, faster transactions, and many more.

Digital Wallets: Digital wallets are gaining immense popularity these days. As digital wallets require massive security, building such solutions using Python is recommended highly. Because of the secure APIs, scalability, and easy manageability, the Python framework is the go-to choice for developers looking to build a digital wallet.

Are You Ready To Build a Fintech App?

For the success of any fintech project, a suitable set of tools or programming languages matters a lot. All the languages mentioned above are best and help you rock the finance sector. But Python is here to stay in the finance landscape. The technology comes with excellent opportunities and is ideal for resolving finance challenges. So, hire one with a strong background in building fully functional app solutions and use the latest tech stack for fintech apps.

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Top 7 Programming Languages For Fintech App Development
Fredy  Larson

Fredy Larson


How long does it take to develop/build an app?

With more of us using smartphones, the popularity of mobile applications has exploded. In the digital era, the number of people looking for products and services online is growing rapidly. Smartphone owners look for mobile applications that give them quick access to companies’ products and services. As a result, mobile apps provide customers with a lot of benefits in just one device.

Likewise, companies use mobile apps to increase customer loyalty and improve their services. Mobile Developers are in high demand as companies use apps not only to create brand awareness but also to gather information. For that reason, mobile apps are used as tools to collect valuable data from customers to help companies improve their offer.

There are many types of mobile applications, each with its own advantages. For example, native apps perform better, while web apps don’t need to be customized for the platform or operating system (OS). Likewise, hybrid apps provide users with comfortable user experience. However, you may be wondering how long it takes to develop an app.

To give you an idea of how long the app development process takes, here’s a short guide.

App Idea & Research


_Average time spent: two to five weeks _

This is the initial stage and a crucial step in setting the project in the right direction. In this stage, you brainstorm ideas and select the best one. Apart from that, you’ll need to do some research to see if your idea is viable. Remember that coming up with an idea is easy; the hard part is to make it a reality.

All your ideas may seem viable, but you still have to run some tests to keep it as real as possible. For that reason, when Web Developers are building a web app, they analyze the available ideas to see which one is the best match for the targeted audience.

Targeting the right audience is crucial when you are developing an app. It saves time when shaping the app in the right direction as you have a clear set of objectives. Likewise, analyzing how the app affects the market is essential. During the research process, App Developers must gather information about potential competitors and threats. This helps the app owners develop strategies to tackle difficulties that come up after the launch.

The research process can take several weeks, but it determines how successful your app can be. For that reason, you must take your time to know all the weaknesses and strengths of the competitors, possible app strategies, and targeted audience.

The outcomes of this stage are app prototypes and the minimum feasible product.

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Shardul Bhatt

Shardul Bhatt


What to Consider while Creating a Fintech App for Start-ups

Fintech is an umbrella term for any innovation that has something to do with funds. Everything from banking and blockchain stages to planning applications can be viewed as Fintech advancement for Fintech app ideas. Fintech is one of the quickest developing businesses on the planet, as monetary administrations and monetary organisations are receiving innovation to offer more prominent accommodation and security. 

Significant Features for Fintech Apps 

At the point when you conceptualise thoughts for your Finch application after checking out other Fintech app development companies, you should zero in on recognising and addressing a huge issue for your objective clients. Regardless of what extreme objective you set, there are highlights that every great Fin-tech application ought to incorporate. Here they are: 

  1. The sign-in stream ought to be straightforward yet secure. A mutually advantageous arrangement is to incorporate voice and face acknowledgement and finger impression verification alongside old-fashioned two-stage confirmation. 
  2. Your application should offer fundamental monetary activities pertinent to your Fintech branch. This may incorporate computerised instalments, cash moves, portable keeping, or equilibrium checking. 
  3. In the event that your application incorporates QR code and card number checking, the existence of your clients will be way simpler. Filtering a card for a card number rather than physically entering all of the digits is a huge benefit for your clients. 
  4. Custom warnings are an urgent element for drawing in client experience. With regards to the way of life, everybody likes personalization. Allow your clients to pick which data to get, be it normal exchanges or customized offers. You should then give an idea about Fintech app development cost
  5. Computer-based artificial intelligence-controlled chatbots assume a fundamental part in client commitment when creating Fintech arrangements. They can address a good load of inquiries that many clients have at the same time.  

Checkout How To Use Python for Fintech Applications

Steps for Fintech app development

How to make a Fintech application that will have the edge over contenders and address the issues of the most requesting customers? It may very well be tiresome to assemble your considerations and construct a bit by bit plan. Hence, we arranged the primary moves one should make to style a Fintech application that is extremely valuable.  

  • Pick a speciality: Prior to starting the interaction, you need to pick a speciality: regardless of whether it's an application for individual accounting, protection, exchanging, and so on. Attempt to zero in on more perplexing arrangements, produce some groundbreaking thoughts or concoct a few enhancements to the current advancements in Fintech application.  
  • Guarantee lawful necessities: Each nation has one of kind lawful prerequisites, and some of the time even states and districts inside one nation may contrast in lawful approaches. The occasions when Fintech had no guidelines and was an obvious objective for extortion passed some time in the past.  
  • Characterise a task vision: You need to have an unmistakable vision of the end-product before Fintech app development India gets justified by the business examiner and item chief. Solely after strong statistical surveying, your group will think of the last thought of a business case that will be serious and client arranged.  
  • Pick innovation stack: There are numerous dialects to create applications. But, in reality, the main language decision often directs the expense and time required for advancement. You can pick among local application advancement, cross-stage improvement, and advancement of PWA.  
  • Take a stab at the client's shoes: Fintech applications are intended to be easy to understand. In reality, that is the explanation they are intended for. Great UI/UX is the second most significant thing discussing Fintech application in banking after security. Ensure that all that your client may require is accessible on the dashboard without huge loads of pointless highlights.  
  • Build up an MVP: A base practical item targets testing of the application prior to dispatching it. It's an essential adaptation of the application that incorporates its central segments and highlights. 

That is sufficient for the clients to attempt it, and furthermore an opportunity to pull in new financial backers. Getting input from genuine clients will show you if there are any shortcomings. Furthermore, you'll effectively discover what highlights ought to be added straight away.


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