KYC and onboarding
Document, selfie and database checks with drop-off tracking.
Fintech Apps
Lending, wallets, payments and KYC with compliance built in.
ERPHUBs builds fintech apps for lending, wallets, payments and onboarding with KYC checks, risk rules, reconciliation and the security controls regulators and partners expect.
Fintech AppsDesigned and delivered by ERPHUBs
Why It Matters
Why Fintech Apps Needs a Specialist Approach
Money apps carry the highest trust and regulatory bar: identity checks, fraud controls, ledger accuracy and clear statements. We build fintech apps with security and compliance in the design, working with licensed partners for regulated functions.
ERPHUBs builds fintech apps for lending, wallets, payments and onboarding with KYC checks, risk rules, reconciliation and the security controls regulators and partners expect.
Discuss your project40%typical manual-work reductionOn approval and data-entry heavy processes
100%audit-trail coverageWho changed what and when
Weeksnot monthsLow-code and Zoho-native delivery where it fits
0spreadsheet hand-offsProcess steps live in one system
What You Get
What Is Included in Fintech Apps
Each deliverable is scoped, reviewed with you and handed over with documentation.
Ledger and wallet engine
Double-entry accounting that always reconciles.
Payments integration
Bank transfers, cards, bank transfers and payment gateways.
Fraud and risk rules
Velocity limits, device checks and alerts.
Statements and notifications
Clear receipts, history and regulatory messages.
Security and audit
Encryption, access logs and penetration-test readiness.
Bottlenecks and Fixes
Where Fintech Apps Projects Get Stuck, and How We Design Around It
Slow onboarding
The bottleneck. Paper KYC causes drop-off.
How we design it. Digital KYC with document and face match and fallback review.
Target result: 40% typical manual-work reduction
Manual underwriting
The bottleneck. Credit decisions take days.
How we design it. Rule engines and score integrations with maker-checker approvals.
Target result: 100% audit-trail coverage
Reconciliation gaps
The bottleneck. Payments and ledgers disagree.
How we design it. Automated matching with exception queues and audit trails.
Target result: Weeks not months
By Industry
Fintech Apps: Bottlenecks We Solve, Industry by Industry
Every sector hits different walls. Here is what we see and how we design around it.
NBFCs and lenders
Bottleneck: Loan files move between desks.
Our design: Loan origination workflow with documents, scoring and disbursal tracking.
Wallets and payments
Bottleneck: Disputes and refunds are slow.
Our design: Transaction ledger, dispute workflow and settlement reports.
Insurance
Bottleneck: Policy servicing needs calls.
Our design: Self-service endorsements and claims tracking.
Wealth
Bottleneck: Clients want one portfolio view.
Our design: Aggregated dashboards with secure access and reports.
How We Deliver
A Five-Step Delivery Path
- 1DiscoverProcess mapping and compliance requirements.
- 2DesignRoles, approvals and integration blueprint.
- 3BuildConfigured or coded in controlled sprints.
- 4LaunchUAT, training and data load.
- 5SupportSLA support and change management.
Typical stackNode.jsPostgreSQLKYC APIsbank transfers/GatewaysZoho Books
Standards We Build To
Quality, Security and Compliance in Fintech Apps
Role-based security
Field and record permissions that mirror your org chart.
Compliance design
Tax, audit and privacy rules built into the workflow.
Integration reliability
Monitored APIs with retries and alerts.
Governance
Environments, versioning and documentation for long-term care.
Planning
What Affects Timeline and Cost in Fintech Apps
Low-code and extension projects often take 6 to 12 weeks; larger programmes run in phases.
Process complexity
Approval levels and exceptions drive effort.
Systems to connect
Every integration adds mapping and testing.
Data quality
Cleansing and migration can be the largest task.
User numbers and training
Rollout and training plans scale with headcount.
Engagement Models
Ways to Work With ERPHUBs
Fixed-scope project
A clear scope, timeline and price for well-defined work.
Dedicated team
A named squad that works as part of your team month to month.
Support retainer
Ongoing fixes, updates and monitoring after launch.
Use Cases
Where Fintech Apps Delivers the Most Value
Typical situations where clients bring us in, and what we design for each.
Digital lending
Application, KYC, scoring, disbursement and collections with audit trails.
Wallets and payments
Ledger-safe balances, bank transfers and card flows, reconciliation and dispute handling.
KYC and onboarding
Document capture, liveness and verification APIs with fallbacks.
Regulated reporting
Reports and retention aligned to the rules of the markets you serve.
Tools and Technology
How We Build Fintech Apps
Zoho platform
Zoho Creator, CRM, Books and Flow used where they shorten delivery.
Custom code
Node.js, Python and .NET for logic low-code cannot carry.
Integration and ETL
APIs, webhooks and scheduled sync with reconciliation reports.
Security and audit
SSO, field-level access, logging and retention controls.
Success Metrics
How We Measure Fintech Apps Results
We agree measurable targets up front and report against them.
Process cycle time
Approvals and handoffs measured before and after.
Data accuracy
Fewer duplicate and missing records across systems.
Adoption
Active users by role with training gaps flagged.
Audit readiness
Evidence produced in minutes rather than days.
Before You Decide
Questions to Settle Before Starting Fintech Apps
Build, buy or extend?
We assess fit first and recommend the cheapest option that meets the need.
How will it connect to Zoho and others?
Integration design and data ownership are agreed in the plan.
Who approves access and changes?
Roles, approvals and audit logs follow your governance.
Can users be trained?
Role-based training and documentation come with every release.
After Launch
Support, Maintenance and Handover
Monitoring and fixes
Uptime, errors and performance watched, with fixes under agreed response times.
Updates and security
Dependencies, platforms and security patches kept current.
Enhancements
A monthly pool of hours for improvements, prioritised with you.
Training and handover
Documentation, recordings and sessions so your team stays independent.
Works With Zoho
Connected to the Zoho Apps You Already Use
Zoho
Connected by ERPHUBs, a Zoho Authorized Partner.
See howMore in Enterprise Apps
Related Enterprise Apps Services
FAQ
Fintech Apps, Answered
Are you a licensed financial institution?
No. We build software for licensed and regulated entities and design to their compliance requirements.
Do you integrate payment gateways?
Yes, including Bank transfers, cards, wallets and bank APIs.
Can fintech apps integrate with Zoho?
Yes, for CRM, accounting and reporting.
How much does Fintech Apps cost?
Cost depends on scope, integrations, compliance needs and the number of users or pages. After a short discovery we give a fixed or phased quote with clear milestones, so you can compare it with other options.
How long does Fintech Apps take?
Low-code and extension projects often take 6 to 12 weeks; larger programmes run in phases.
What support do you provide after Fintech Apps goes live?
We offer support retainers covering fixes, updates, monitoring and enhancements, plus a handover with documentation and training so your team is never locked in.
Start the conversation
Tell us about your Fintech Apps project
Share your goal and constraints. A senior consultant replies with questions, options and a scoped quote.
United Kingdom
Fintech Apps for United Kingdom businesses
We build for United Kingdom users: GBP pricing, VAT-ready checkout and invoices, local payment methods and fast delivery to United Kingdom visitors.
Local payments
Typical connections here: Stripe, Open Banking feeds, HMRC MTD API.
VAT-ready
Prices, invoices and receipts follow VAT (20% standard) and GBP.
Fast for United Kingdom
Hosting and caching chosen for visitors in United Kingdom, tested on mobile and desktop.
Support in your time zone
Mon-Fri 09:00-17:30 UK time. Typical first reply within 4 business hours.
Yes. The United Kingdom team configures it with the Zoho Books UK edition (VAT, Making Tax Digital), GBP and VAT, and supports it Mon-Fri 09:00-17:30 UK time.
Zoho accounts for United Kingdom use the UK data centre (zoho.uk). We confirm the data centre with you before any migration or integration starts.