Fintech Software Development in Sydney, Melbourne and Australia

Q: Can you integrate with Open Banking or the Consumer Data Right?

Yes, we build fully compliant financial platforms that securely connect with the Australian Open Banking and Consumer Data Right (CDR) ecosystem. We engineer secure API pipelines that allow your software to tap into authorized consumer data from major banking institutions, enabling instant transaction retrieval, automated credit decisioning, and real-time wealth management workflows.

Q: How do you handle security for financial data?

Data protection, access control, and audit logging are built into the architecture from the start, the same approach applied across any project handling sensitive data.

Q: Do you build payment processing systems?

Yes, secure payment and transaction handling is part of what we build for financial products.

Q: Can you help with AML/CTF or fraud detection requirements?

Yes, we specialize in building AI-powered compliance mechanisms that automate Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), and real-time fraud mitigation. Rather than treating security as an afterthought, we integrate risk management directly into your application's operating backbone.

Q: How long does a fintech software project typically take?

Utilizing our SoftwareCo 2.0 Delivery Engine, a production-grade fintech project typically takes between 4 to 8 months to build and launch. While financial applications demand extensive security compliance (such as APRA CPS 234 standards), we fast-track core mechanics using pre-architected, secure context modules to achieve roughly 5x standard industry delivery speed.

Q: Where is Software Co based?

Sydney and Melbourne, plus a San Francisco office, with fintech and finance clients across Australia.

Q: Is the first consultation free?

Yes, the initial consultation is free with no obligation to continue.

We design and build lending, payments and financial platforms for Australian businesses, with security and audit trails planned from the first week.

Planning an app? Let’s talk.

Tell us what you’re looking to build, improve or solve. We’ll get back to you within a few hours, often within minutes.

Fintech software development is the design and build of software for lending, payments, banking and investment businesses. In Australia, most of the rules sit with your business rather than the software: ASIC licensing, AUSTRAC’s AML/CTF obligations, the Privacy Act and, for banks, insurers and super funds, APRA’s CPS 230 and CPS 234. We build the software. Your compliance team, your regulator or a licensed adviser confirms how those rules apply to your product.

Software Co builds custom financial software for lenders, payment businesses and finance teams in Sydney, Melbourne and across Australia. Our BizCap business lending platform launched in May 2024 and had more than $1B in loans under management by July 2024 (client-reported). We plan security, access control and audit logging into the architecture from the start, with hosting in Australian AWS or Azure regions where your requirements call for it.

What it costs and how long it takes depends on what you’re building, so we scope first. A discovery phase settles the integrations, user types and rules your product has to follow, and then we agree the scope and price. Production-grade fintech projects typically take 4 to 8 months.

What Does Regulation Mean for Your Fintech Build?

Most of Australia’s financial rules apply to your business, not to the software. APRA’s CPS 230 and CPS 234 bind banks, insurers and super funds. AUSTRAC’s AML/CTF rules bind reporting entities. ASIC licensing applies to businesses that offer credit or financial products. As your software partner, we build the controls those rules rely on: access control, encryption, audit logs, monitoring and a clear record of who changed what.

If you’re an APRA-regulated entity, expect us to be assessed as a service provider, and we’ll support your due diligence, contract and exit-plan requirements. What we can’t do is certify that your business complies. That confirmation comes from your compliance team, your regulator or a licensed adviser.

Fintech

How Do We Build Security and Audit Trails Into Fintech Software?

Core Banking & Open Banking Connectors

Connect your software directly into the Australian financial ecosystem. We engineer secure API pipelines linking your platform to major trading banks, payment gateways, credit reference bureaus including Equifax and Illion, and Consumer Data Right data providers for seamless data extraction and verification.

Regulatory & Compliance Architecture

Deploy financial software built around mandatory Australian regulatory frameworks. Our architectural blueprints satisfy APRA CPS 234 data security requirements, CDR operational standards, and automated AML/CTF transaction monitoring, ensuring your software passes external compliance reviews without requiring costly rebuilds.

Bank-Grade Data Security Infrastructure

Safeguard customer financial data with hardware-level security protocols. Every platform features TLS 1.3 transit encryption, AES-256 storage encryption, granular role-based access controls, and automated threat detection, hosted entirely within secure local Australian AWS or Azure data centers.

What Fintech Software Do We Build?

Automated Loan Origination & Credit Decisioning Engines

Accelerate loan processing while maintaining strict risk controls. We build custom loan origination software that automates borrower onboarding, income verification, credit scoring, and automated underwriting algorithms. Our platforms handle high application volumes reliably, allowing lenders to disburse funds faster with reduced operational overhead.

High-Throughput Payment & Settlement Infrastructure

Process financial transactions with absolute precision and zero downtime. We engineer secure payment processing systems, direct debit pipelines, and automated settlement engines designed specifically for financial institutions. Every transaction layer includes double-entry accounting mechanics to ensure complete balance reconciliation across accounts.

Open Banking & Consumer Data Right (CDR) Integrations

Eliminate manual bank statement uploads and friction during user verification. We build direct API integrations with accredited CDR data sources across the Australian banking ecosystem. Your platform securely fetches real-time transaction histories, verifies assets, and conducts automated cash-flow analysis directly from the user's financial institution.

Regulatory Compliance, Audit Trails & AFSL Frameworks

Architect your platform to satisfy stringent financial governance standards from day one. We embed immutable digital audit logs, role-based security permissions, and automated regulatory reporting tools into your system framework. Your business stays fully prepared for APRA CPS 234 compliance reviews, AFSL audits, and mandatory data retention laws.

Real-Time Fraud Detection & AML/CTF Monitoring

Protect your platform against financial crime with automated risk scoring engines. We engineer real-time fraud mitigation tools that monitor transaction velocity, flag abnormal account activity, and automate Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) checks before financial loss occurs.

Executive Financial Dashboards & Ledger Analytics

Transform transaction records into clear executive insights. We build real-time financial reporting suites that aggregate loan portfolio health, default rates, yield performance, and liquidity forecasts into centralized leadership dashboards, eliminating reliance on manual spreadsheet reporting.

How Does a Fintech Build Work, Step by Step?

Discovery & Regulatory Scoping

We map out what the product needs to do and what regulatory context it operates in, licensing requirements, data handling obligations, and reporting needs, before any development is scoped.

Design

We design for both the end user experience and the internal reporting and compliance visibility a finance business needs, as two connected parts of the same system.

Development & Integration

Development runs in short sprints, with any banking, payment, or data integrations scoped and sequenced early given how central they usually are to a financial product.