Plavno
Industries
Financial Services & FinTech

AI & Custom Software Development for Financial Services & FinTech

Plavno delivers AI and custom FinTech software development solutions that modernize banking, payments, lending, insurance, and financial operations through intelligent automation, secure data platforms, and AI-powered financial software.

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81%

Financial Services Firms Adopting AI

81% of surveyed financial services organizations are already adopting AI at some level, with applications spanning process automation, customer support, fraud detection, risk modeling, and data management.

58%

Organizations Using AI for Fraud Detection

Fraud detection is already one of the leading AI applications across financial services, alongside customer support and risk modeling.

$30.5B

Global KYC & KYB Spending by 2030

Global financial-sector spending on KYC and KYB systems is projected to reach $30.5 billion by 2030 as institutions respond to increasing onboarding volumes, synthetic identities, and financial crime risks.

Ready-made Solution

Financial Services & FinTech Software Solutions We Build

Plavno develops intelligent FinTech software solutions that combine AI, automation, analytics, and secure financial infrastructure. Our financial software development approach helps banks, fintech companies, lenders, payment providers, insurers, and investment businesses improve customer experiences, reduce operational friction, and manage financial risk.

AI-powered fraud detection and transaction monitoring
Intelligent financial data analysis and risk modeling
Secure banking, lending, and payment integrations
Automated KYC, KYB, AML, and compliance workflows

ISO

GDPR

SOC 2

PCI DSS

Services & Solutions

Case Studies

AI Tools

Financial Services & FinTech Software Solutions <span>We Build</span>

Services & Solutions

Why Financial Services & FinTech Teams Choose Plavno

Plavno provides full-cycle FinTech software development, combining AI, financial data engineering, automation, and secure cloud infrastructure to build reliable systems for highly regulated financial environments.

AI-Powered Fraud Detection & Transaction Monitoring

Intelligent financial software that analyzes transactions, customer behavior, and risk signals to identify suspicious activity.

Real-time transaction monitoring
Anomaly and behavioral pattern detection
Risk scoring and fraud alerts
Integration with payment and banking systems

Schedule a call See case →

Financial Data Intelligence Platforms

Centralized platforms that turn complex financial data into actionable insights for operations, risk, compliance, and management teams.

Real-time financial analytics
Predictive risk and revenue insights
Data aggregation across financial systems
APIs and cross-system interoperability

Schedule a call Explore Machine Learning Development

Custom Banking & FinTech App Development

End-to-end FinTech application development for banks, fintech startups, lenders, payment providers, and financial platforms.

Digital banking and customer portals
Lending and loan management platforms
Payment and transaction applications
Secure cloud infrastructure and third-party integrations

Schedule a call Explore Banking Software Development

AI-Powered Risk, Lending & Financial Analytics

Advanced AI solutions that support underwriting, credit decisions, portfolio monitoring, and financial forecasting.

Automated credit risk assessment
Predictive financial analytics
Customer and portfolio segmentation
AI-assisted decision support

Schedule a call See case →

AI Consulting for Financial Services

Strategic AI consulting services that help financial organizations identify high-value use cases, validate technology choices, and build scalable implementation roadmaps.

AI use-case discovery and validation
AI readiness and data assessment
Model and architecture roadmap
AI governance, optimization, and compliance

Schedule a call Explore AI Consulting Services

Innovative Experience

Key Skills

We combine FinTech software development expertise with AI, data engineering, and cybersecurity to build intelligent and secure financial systems.

Predictive Financial Analytics

Forecast financial performance, customer behavior, risk exposure, and market trends using AI and machine learning.

AI-Driven Financial Automation

Automate repetitive financial operations, compliance workflows, customer support, and back-office processes.

Fraud Detection & Risk Intelligence

Build AI models that identify anomalies, suspicious behavior, and emerging financial risks.

Secure Cloud Infrastructure for FinTech

Design scalable financial platforms with secure cloud architecture, access controls, encryption, and resilient integrations.

Financial Digital Transformation

Modernize legacy financial workflows and customer experiences through AI, automation, APIs, and cloud-native software.

Reimagine Financial Services with AI

Partner with Plavno to develop secure, scalable AI and FinTech software solutions that automate financial operations, strengthen risk management, and create better digital customer experiences.

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Case Studies

Our clients achieve real results

View all case studies

AI-Powered Banking Support Chatbot for 24/7 Digital Customer Experience

Plavno developed an AI-powered smart chatbot designed to automate routine operations, shorten issue resolution times, and elevate the quality of customer service. Most notably, the chatbot is equipped to handle interactions in multiple languages, ensuring seamless support across the bank’s diverse client base.

AI-Powered Loan Underwriting & Credit Scoring Platform for Digital Lenders

Plavno developed an AI-powered lending platform that helps digital lenders automate underwriting, assess borrower risk, and improve credit decision speed across modern lending workflows.

AI-Powered Voice Assistants for Banking Customer Service

One Bank (name withheld due to NDA restrictions) faced mounting pressure to modernize its customer service. Despite strong digital adoption among users, its traditional call center model couldn’t keep pace with growing demand and evolving expectations.

AI-Powered Payment Agent for Fintech Platforms

Plavno builds intelligent AI agents for fintech that automate payments, KYC/AML checks, and customer support across digital banking software and payment rails. Our fintech software development services combine predictive analytics, voice/chat automation, and secure orchestration to transform how financial products process, verify, and settle transactions.

AI-Powered Fraud Detection System for a FinTech Startup

The company set out to disrupt traditional banking by offering digital-first financial services tailored to Millennials, Gen Z, and underserved segments of the population who prefer fast, mobile-first experiences over conventional banking. Within just three years, the startup grew from an MVP-stage mobile wallet to a fully regulated neobank operating across multiple EU countries.

AI Credit Scoring Software

Plavno developed an AI-powered credit scoring system for a bank, built around four segments: application scoring, behavioral scoring, fraud scoring, and debt recovery scoring. Grounded in game theory principles, the system automates creditworthiness assessments and credit decisions. Since implementation in late 2021, expert loan denials have been cut in half.

Money on the Go: Online banking app development for 6 months

One of the largest corporate banks in Poland. Faced a difficult challenge — to update the outdated version of mobile banking app within 6 months. The old version could not provide an acceptable level of comfort when using mobile devices or an HD resolution monitor.

Investment Tracking and Analysis App

The client's objective was to establish an application that empowers users to make knowledgeable investment choices and enhance the value of their portfolio as time progresses.

View all case studies

We develop with AI

AI Tools

AI tools tailored for financial innovation, operational efficiency, and customer experience.

Banks & Financial Teams

Real-time financial dashboards powered by AI
Predictive risk and fraud analytics
Intelligent alerts for suspicious transactions

Compliance & Operations Teams

Automated KYC/KYB workflows
AI-assisted document and data processing
Regulatory reporting and compliance analytics

Executives & FinTech Innovators

Financial business intelligence
Revenue and portfolio forecasting
Secure AI architecture for regulated environments

Value We Deliver

Our Benefits

Delivering automation, intelligence, security, and compliance through AI and FinTech software development.

Innovation at Scale

Adaptive financial software solutions that evolve with new products, markets, regulations, and customer expectations.

Operational Efficiency

Automate manual financial workflows and accelerate processes across customer service, operations, compliance, and risk.

Cost Optimization

Reduce repetitive operational work and improve resource allocation through intelligent automation.

Secure Integration

Connect banking, payment, CRM, ERP, KYC, and third-party financial systems through secure APIs and cloud infrastructure.

Compliance & Data Protection

Build financial platforms aligned with relevant security, privacy, and compliance requirements, including GDPR, SOC 2, and PCI DSS where applicable.

Continuous Improvement

Use AI analytics and continuous optimization to improve financial products, workflows, and customer experiences over time.

Frequently Asked Questions

FAQs

Find answers to common questions about AI and FinTech software development.

Do you build secure FinTech software?

Yes. We design financial platforms with security, access control, encryption, secure integrations, and compliance requirements considered from the architecture stage.

Can you integrate with banking and payment systems?

Yes. We build integrations with banking platforms, payment providers, financial APIs, CRMs, ERPs, KYC/KYB providers, and other third-party systems.

Can AI be used for fraud detection?

Absolutely. AI can analyze transaction patterns, customer behavior, and other risk signals to identify anomalies and support fraud prevention and investigation.

Do you develop KYC, KYB, and AML solutions?

Yes. We can automate identity verification workflows, document processing, risk assessment, monitoring, and compliance-related operations.

Can AI models run without sending financial data to public AI providers?

Yes. For sensitive data we use private LLM deployment and RAG architectures hosted in your cloud or on-premises environment, with access control and full audit logging.

Do you provide post-launch maintenance?

Yes. Our services include monitoring, maintenance, optimization, security updates, feature development, and ongoing AI model improvements.

What is the usual development timeline?

An MVP typically takes around 12–16 weeks, depending on scope, integrations, security requirements, and regulatory considerations.

Services & Solutions

Related Services & Solutions

AI Agents Development

Agents for payments, onboarding, and back-office operations

AI Automation Service

Automation of compliance, reporting, and operations workflows

AI Chatbot Development

Digital banking and customer support chatbots

Machine Learning Development

Fraud, credit scoring, and risk models

Mobile Development

Banking, payment, and investment apps

Custom Software Development

Core financial platforms and integrations

Cybersecurity and Penetration Testing

Security validation for financial platforms

FinTech AI Solutions

End-to-end AI for fraud detection, credit scoring, risk analytics, and financial automation

Banking Software Development Services

Digital banking platforms, customer portals, and core banking integrations

FinTech Voice AI Assistant

24/7 voice support for balance inquiries, payments, card issues, and account servicing

Private LLM Deployment

Secure AI models running inside your cloud or on-premises perimeter for sensitive financial data

RAG Development Services

Retrieval-augmented AI over financial documents, policies, and compliance knowledge bases

AI, Security, and Compliance

FinTech Software Development Company Focused on AI, Security, and Compliance

Financial institutions no longer compete only on rates and products — they compete on how quickly a customer can open an account, get a credit decision, move money, or resolve an issue. Plavno is a FinTech software development company that helps banks, digital lenders, payment providers, insurers, and investment platforms build that speed into their core systems without compromising security or regulatory control.

Our teams combine custom software development, machine learning development, and cloud software development with hands-on experience in regulated environments. The result is financial software that is fast to launch, auditable, and ready to scale.

AI in Financial Services: From Pilot to Production

Most financial organizations have already experimented with AI. The real challenge is moving from a pilot to a production system that risk, compliance, and IT teams trust. We design AI features around explainability, human review, and audit trails — whether it is an AI-powered fraud detection system, an AI loan underwriting and credit scoring platform, or AI agents that take over routine back-office work. When data sensitivity requires it, models run inside your perimeter through private LLM deployment and RAG development.

Banking, Lending, and Payment Software Development

We deliver banking software development for digital banking apps, customer portals, and internal operations tools; lending platforms covering application intake, underwriting, loan servicing, and collections; and payment applications with secure integrations to processors, card networks, open banking APIs, and core banking systems. Our mobile development and web development teams build the customer experience, while backend engineers take care of ledgers, reconciliation, and transaction reliability.

KYC, KYB, and AML Compliance Automation

Onboarding and compliance are among the most expensive parts of running a financial business. We automate identity and business verification, document processing, sanctions and PEP screening workflows, ongoing transaction monitoring, and suspicious-activity case management. AI prioritizes alerts and prepares evidence, while analysts keep the final decision. Read more about this approach in our article on compliance-friendly AI automation in FinTech.

Conversational AI for Banking and Payments

Customers expect instant answers at any hour. We build AI chatbots and voice agents that check balances, explain transactions, block cards, and route complex requests to the right specialist — see our AI voice assistants for banking customer service and the ready-made FinTech Voice AI Assistant.

Security and Regulatory Readiness by Design

Financial software has to withstand scrutiny from auditors, partners, and regulators. We apply encryption, role-based access control, secrets management, and detailed logging from the architecture stage, and align delivery with GDPR, SOC 2, and PCI DSS requirements where applicable. Cybersecurity and penetration testing helps validate platforms before and after launch.

How We Deliver FinTech Projects

Every engagement starts with discovery: business goals, regulatory constraints, data availability, and the integration landscape. From there we move to architecture, an MVP — typically within 12–16 weeks — a pilot launch, and continuous improvement. Teams that need a clear business case first can start with AI consulting or digital transformation consulting.

Blog

Software Development Resources

June 23, 2026

AI in FinTech: Fraud Detection, Credit Scoring, and Compliance Automation

#FinTech

#AI

September 02, 2026

Payment Authorization for Autonomous AI Agents: Who Is Liable When an Agent Buys Something Wrong

#FinTech

#AI

September 03, 2026

Trust and Verification in Agent-to-Business Transactions: Building for a World of AI Buyers

#AI

#Tech

About Plavno

Why choose Plavno?

Proven by our
customers feedback

AI-first Delivery

Senior engineers + proven AI components to accelerate time-to-value.

800+ Projects Delivered

From MVPs to enterprise platforms at global scale.

Full-stack Team

From extension UX to GPU pipelines and global scale.

Testimonials

We are trusted by our customers

“They really understand what we need. They’re very professional.”

The 3D configurator has received positive feedback from customers. Moreover, it has generated 30% more business and increased leads significantly, giving the client confidence for the future. Overall, Plavno has led the project seamlessly. Customers can expect a responsible, well-organized partner.

Sergio Artimenia

Commercial Director, RNDpoint

“We appreciated the impactful contributions of Plavno.”

Plavno's efforts in addressing challenges and implementing effective solutions have played a crucial role in the success of T-Rize. The outcomes achieved have exceeded expectations, revolutionizing the investment sector and ensuring universal access to financial opportunities

Thien Duy Tran

Product Manager, T-Rize Group

“We are very satisfied with their excellent work”

Through the partnership with Plavno, we built a system used by more than 40 million connected channels. Throughout the engagement, the team was communicative and quick in responding to our concerns. Overall, we were highly satisfied with the results of collaboration.

Michael Bychenok

CEO, MediaCube

“They have a clear understanding of what the end user needs.”

Plavno's codes and designs are user-friendly, and they complete all deliverables within the deadline. They are easy to work with and easily adapt to existing workflows, and the client values their professionalism and expertise. Overall, the team has delivered everything that was promised.

Helen Lonskaya

Head of Growth, Codabrasoft LLC

“The app was delivered on time without any serious issues.”

The MVP app developed by Plavno is excellent and has all the functionality required. Plavno has delivered on time and ensured a successful execution via regular updates and fast problem-solving. The client is so satisfied with Plavno's work that they'll work with them on developing the full app.

Mitya Smusin

Founder, 24hour.dev

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