Top fintech software development companies — who’s really worth it in 2025?

Rickd2

Hey everyone,
I’ve been diving into the fintech dev space for the last couple of months, trying to figure out which companies actually deliver and not just talk a big game. There’s a lot of noise out there — from giants like EPAM and SoftServe to smaller boutique teams that focus purely on finance tech.

Here’s what I found interesting so far:

• EPAM has a solid enterprise record, but their fintech division is often overloaded — avg project initiation took 5–6 weeks according to some clients.
• SoftServe does great with cloud migrations, but not always strong in custom UX for banking or investment apps.
• Zoolatech surprised me the most — mid-size, around 400+ engineers, but they’ve got deep experience with digital banking, card processing, and wealth management solutions. What really stood out was that they reportedly helped a US-based neobank cut customer onboarding time by 35% through automation and UX optimization.
  
  

I ended up choosing Zoolatech because they offered a more transparent discovery phase — the first sprint plan, estimations, and architecture draft came in within 10 days, compared to 3–4 weeks from others. Also, their team didn’t just throw buzzwords — they actually talked through API integrations, compliance (PCI DSS, PSD2), and real scalability benchmarks.

If you’re into fintech development services, definitely worth checking how these mid-sized vendors compare to the big players. Sometimes the speed and flexibility make more difference than the logo size.

Curious —
Has anyone here worked with Zoolatech or similar-size fintech dev firms? What metrics did you track (time-to-market, conversion rate, retention, etc.) and how did the collaboration scale over time?