In recent years, the financial technology sector – or fintech – has been a fertile playground for many to jump in. Do you want to set foot in this domain, but unfortunately, you haven’t got any promising financial app ideas? If so, don’t ignore this article.
Here, Designveloper will give a curated list of 25 app concepts to handle different aspects of the fintech sector. Whether online payment, personal finance management, or investment solutions, our list will spark and solidify your app idea. Plus, this article will clarify essential features you need to include in your fintech app, regardless of your idea.
But don’t rush to these 25 financial app ideas. Let’s find out how the fintech market has evolved, plus key technologies and trends.
Fintech App Market Overview
When it comes to the top mobile app ideas to make big money, fintech apps often come up in many people’s mind. Those statistics below highlight the growing popularity of this sector, plus the key trends shaping its future growth:
- The fintech industry is growing in a spectacular way, with the global market projected to $1,026 billion by 2032 and a CAGR of 16.1% from 2026 to 2032. This expansion is attributed to the increasing adoption of digital payments and cashless transactions in the mobile-dominant era.
- Fintech success mainly focuses on the rise of five subsegments: acquiring and vertical SaaS, digital wallets, challenger banking, crypto trading, and BPNL. Additionally, key technologies and trends, including agentic AI, blockchain-based (onchain) finance, challenger banking, lending, and B2B (2X), are expected to drive the future growth of this domain.
- Digital wallets will account for 65% of e-commerce transactions worldwide in 2030. This is driven by the growing desire for faster payment options.
- Neo and challenger banks are expected to reach a globally estimated $1,580.88 billion in 2034, reflecting a massive CAGR of 47.80% over the 10-year projection. APAC, accordingly, holds the largest share, driven by tech advancements in AI/ML, blockchain, and IoT.
These statistics underscore the increasing demand for innovative solutions that can streamline operations, enhance customer engagement, and drive business success. Investing in well-conceived financial app ideas, your business can meet the growing consumer demand for digital financial solutions. Further, you can position your business at the forefront of the fintech revolution to foster growth and long-term success.
Top 25 Fintech App Ideas for Businesses and Startups
What are the best financial app ideas you can capture to start off your business successfully? Take a look at our curated list of the 25 concepts below for six different financial solutions:
Banking and Payment Solutions
More and more people are demanding fast payment options and digital banking solutions, mostly to implement their e-commerce transactions effectively. Below are the best seven fintech app ideas in this segment:
1. Digital Wallet (E-Wallet)
Digital wallets, also known as e-wallets, have become essential tools for people worldwide. They allow users to store, manage, and transact currency on an electronic platform. This, therefore, provides more convenience than physical payments. Among the examples of digital wallets are Apple Pay, Google Pay, and PayPal.
The mobile wallet market is anticipated to reach $784.67 billion by 2032. The growth is fuelled by high smartphone penetration, online and offline access to the Internet, and growing e-commerce.
The chances are high for your business to benefit from a digital wallet app as it makes use of rising demands to go cashless. Things you must include are robust security features, user-friendly interfaces, and compatibility with different payment systems. Also, loyalty program integration and personalized financial insights can improve user involvement and retention.
2. Peer-to-peer payment app
Peer-to-peer (P2P) payment solutions help users move funds from one bank account or wallet to another. All is done in a very simple and efficient manner.
The global P2P payment market is growing at a compound annual growth rate (CAGR) of 18.10%, reaching approximately $4.28 trillion by 2026. The rise in this surge reiterates the reliance on the platforms of digital payment.
Many P2P payment apps are known for their simple user interfaces and feature-rich services they claim. Cash App, for example, is an app produced by Block, Inc.. It enables users to send and receive money, invest in stocks and bitcoins, and file taxes.
Introducing a P2P payment solution is an extremely profitable option if you want to get your footing in the fintech environment. Some of the key features to consider are real-time transaction processing, high security measures, and simple user interfaces. Moreover, including features like bill splitting, expense management, and multi-currency support can increase user engagement and satisfaction.
3. Digital banking app
Digital banking apps make banking services more accessible. Through these apps, users can manage their accounts, transfer funds, pay utility bills, and even make simple financial plans without going to physical banks.
Many leading banks are investing in robust digital banking apps. For instance, Erica – the virtual assistant on Bank of America’s mobile app – helps users manage their finances efficiently. Additionally, digital-only banks like Monzo and Revolut offer user-friendly interfaces and interesting features (e.g., overseas spending or fraud protection).
If you wish to build digital banking apps, there’s a lot to consider. You should include essential features, like user-friendly interfaces, security measures, real-time transaction alerts, and personal financial insights. The app can further stand out by integrating advanced techs such as artificial intelligence for customer support and blockchain for better security.
4. International remittance app
International remittance apps enable users (usually immigrants, contract workers, or small businesses) to transfer money between countries fast without paying hidden fees. Azimo, Remitly, and Wise are successful examples in this domain.
One report has shown that cross-border (outbound) transfers dominate the digital remittance market (63.42%) due to the rise of migrant workers sending money back to their home countries through digital channels. Also, individual transfers account for up to 70% of the total transactions.
International remittance apps are good options among individuals due to their ease of use and instant transfers. So if you target this financial app idea, focus on those features.
Further, users require remittance services to offer real-time transparency about exchange rates and delivery times. Therefore, be clear about transfer fees and other potential costs.
Also, your app should include real-time tracking, multi-currency support, and even AI capabilities for compliant and secure Know Your Customer (KYC) verification. AI helps reduce cybersecurity risks and ensure strict regulatory compliance in cross-border transfers.
5. Bill splitting and group payments app
Just imagine this scenario: You’ve just had a great dinner with friends, the check arrives, and suddenly everyone is awkwardly juggling credit cards, trying to do division in their heads. To avoid this awkward scenario, a simple app idea appears: bill splitting and group payments.
Now, many similar apps support that functionality. Let’s say SplitWise, Venmo, or Splittr. Accordingly, users integrate their bank/card into apps, upload a receipt (maybe via a quick photo scan), and then automatically calculate and request payments from the designated group members.
For this app, you may need Photo ORC (Optical Character Recognition) to take a picture of a receipt and have the app automatically do calculations. Diverse payment options, category tagging, and even debt tracking are also essential features in this app.
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6. Salary advance / early wage access app
Think of this case: Sometimes you want to receive future salary early to handle some personal stuff (like paying hospital fees or mortgage interests). Traditionally, you have to ask your boss for a paycheck advance, write a letter, or book a meeting with senior managers to explain your situation. That takes significant time.
Many people are in similar situations. What if they have an app to speed up and facilitate this process? The app helps employees track their working hours and withdraw parts of their future wages early, while giving employers an overview of cash flows.
That’s what EarnIn, Jify, and other salary advance/early wage access (EWA) apps are doing.
These apps integrate securely with an employer’s payroll systems (let’s say Gusto or ADP) to precisely verify earned, yet unpaid salary in real-time. They allow both employees and maybe employers to set limited amounts withdrawn, provide fast fund disbursement, and even offer built-in budgeting tips.
Consider these features if you want to build such apps.
7. Virtual debit card generator app
When using real debit or credit card numbers to perform online transactions, many users are concerned about data breaches. So, one amazing financial app idea comes up: virtual debit card generation.
Typical apps, like Fyatu, Revolut, Wise, and Jetonbank, in this niche allow users to generate digital cards tied to their accounts. These cards offer unique numbers for online transactions, hiding real information from merchants. Users can leverage the numbers once or multiple times for a specific merchant or within a specific period.
Besides this functionality, you should consider other features, like limit locking, instant deletion or suspension, and user-friendly interfaces.
Lending and Credit Solutions
Loan and credit apps offer users a fast and convenient way to access funds and credit management tools more easily. Wanna build such an app? Take a glance at the following ideas:
8. P2P lending platform
We already talked about P2P payment apps. Now, we’ll mention P2P lending platforms – online marketplaces directly connecting borrowers and lenders.
No big banks get involved. These are playgrounds mainly for individuals. Prosper, Upstart, Mintos, and Peerform are notable names in this realm. They help individuals to borrow money with better interest rates without the need to meet rigid lending criteria. Further, they give individual investors a chance to earn extra income.
One noticeable feature in these apps is AI algorithms to automate matching, assess borrower credit, forecast risks, and perform some complex tasks. Further, these apps should come with transparent fees (interest rates & other expenses), security protocols for safe transfers and compliance, and user-friendly dashboards to track cash flows.
Make sure you at least include these features if you want to build a P2P lending app.
9. Instant micro-loans app
If your business is a direct lender in a specific region, developing an instant micro-loans app is a good fintech idea. This app targets those who demand small, urgent loans for their immediate needs, let’s say a sudden car repair, a quick boost until the next payday, or an unexpected medical bill.
As traditional lenders (typically banks) don’t often handle micro-loans (maybe $50 or $500), lending from reliable organizational entities is better. They enable the smooth processing of hyper-small, high-speed transactions while offering a safety net and fee transparency. Some typical names include Brigit (USA), CASHe (India), and FairMoney (Nigeria).
What does this app need? Essential features you should include are instant approval & disbursal, user-friendly interfaces, flexible credit scoring, and automatic repayment options. Further, the app should allow users to track their loans and repayment schedules in real-time, as well as robust security measures (e.g., real-time fraud detection or multi-factor authentication).
10. BNPL (Buy Now Pay Later) app
BNPL is a popular payment option with a globally estimated 900 million users by 2027. This method allows consumers to buy in advance and pay later in installments, with or without interest rates.
The BNPL niche is worthwhile to jump into, as it fulfills the demand for more frequent purchases and higher order volumes. Many vendors mark their success in this niche, including Klarna, Affirm, AfterPay, PayPal, and Zip.
Do you want to eat up a share of this domain? If so, ensure your app will include core features, like fast approval, flexible repayment plans, purchase tracking, credit assessment, and robust security. Besides, your app should enable users to set spending limits to avoid overspending and send notifications to pay fees on time.
11. AI-based credit scoring app
Artificial intelligence is the game changer in the fintech sector. Integrating AI into mobile apps to assess a borrower’s credit is a worthwhile idea.
These apps use advanced algorithms to analyze both historical data and other non-traditional information, like cash flow stability, rent payments, and even employment history. This helps evaluate a user’s current financial health and future likelihood of repayment. So, the apps can suggest a fairer credit score.
Many companies, like Pagaya Technologies or Zest AI, offer AI-based credit scoring platforms to improve credit underwriting and scoring.
If you want to build such apps or software, first integrate machine learning algorithms to analyze data points and evaluate credit effectively. These AI models should be explainable, ensuring regulatory compliance and full transparency.
Further, your app should use generative AI to offer insights, benchmarking, and decision support for lenders. Other essential features to consider are robust security protocols to detect fraud instantly, seamless integration with loan origination systems, and a “what-if” simulator (for seeing how specific actions affect AI-generated scores).
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Personal Finance Management (PFM) Apps Ideas
More and more individuals care about monitoring their personal finances for different purposes, like monitoring spending or enhancing investments. Wanna join this niche? Glance at the following financial app ideas:
12. Personal budgeting app
Personal budgeting apps help individual users manage their finances effectively by tracking expenses, planning investments, and budgeting wisely. Their ultimate goal is to improve financial health.
Several personal budgeting apps gain traction due to their user-friendly interfaces and essential features.
Let’s say YNAB (You Need A Budget), a zero-based budgeting app that helps its users budget every dollar effectively and cultivate cautious spending practices. Or Mint is another notable example. It features advanced budgeting tools, expense tracking, and personalized financial insights.
So, if you want to acquire a lucrative opportunity in this niche, consider the core features that one would require from your potential app. They include real-time expense tracking, adjustable parameters, financial goal setting, as well as the ability to import different bank accounts and financial institutions. Also, your app can incorporate advanced technologies like AI to offer personal financial advice, derive predictive analytics, and improve user experiences.
13. Bill reminders and auto-saving app
Many fintech apps now integrate bill reminders and auto-saving features to help users avoid late fees and even build wealth.
They automatically track all your recurring bills and subscriptions, and then send notifications to avoid missing due dates. Further, they analyze your spending patterns and account activity to automatically transfer small, safe amounts to a savings account.
Now, fintech apps, like Rocket Money, PocketGuard, or Oportun, have those abilities. Do you have a similar app idea and want to bring it to life? Consider bill reminders and auto-saving as core functions. Besides, your app may involve negotiation tools, bill cancellation, automatic account syncing, and customizable reminders.
14. AI-powered financial coach
Many people want to make wiser financial decisions, yet hiring personal financial advisors may be costly. That’s why various AI-powered financial coach apps (e.g., Yabi, Henrie.ai, or Cash Coach AI) were introduced to navigate money decisions easily.
Such apps capture subtle patterns in conversations with users (like noticing that you often overspend on takeout on every Friday evening). Using AI algorithms to analyze unique financial data (e.g., spending habits, income, and financial goals), the apps can provide actionable, personalized guidance.
If you wish to bring this financial app idea to life, don’t miss this core AI coaching. Further, other essential features to include are conversational interfaces, automated money tracking, smart budgeting & insights, goal-drift alerts, and bite-sized financial lessons.
15. Subscription and recurring payments tracker
You know the feeling when you’re still paying $17.99 per month for the Netflix streaming service you haven’t used in six months? We believe many people are in the same situation. So, it’s essential to install an app to help them track and manage subscriptions, memberships, and monthly donations automatically.
These apps target both individual and business users. Typically, Bobby, Rocket Money, and Simplifi help users track their personal bills and even auto-cancel unwanted subscriptions. Meanwhile, business-oriented platforms, like Stripe, Chargebee, and Zoho Subscriptions, handle complex payments, set up payment schedules, and automate invoicing.
This type of app should include core features, like automated billing and invoicing, subscription management, multi-payment support, and dunning management. Further, it should come with analytics tools, best security protocols (e.g., encryption or compliance with regulations), and seamless integrations with other software.
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Investment and WealthTech Apps
Do you want to build Investment or wealthtech apps to help target users maximize their idle cash? If so, don’t miss the following fintech app ideas:
16. Stock trading app
Stock trading is always a popular investment method to build wealth. Robinhood, Fidelity, Webull, Chase Mobile, and Charles Schwab are typical giants in this niche and also hold a bulk of market share.
For a successful stock trading app, you at least need to include some core features like a user-friendly interface, portfolio tracking, personalized watchlists, fast order execution, and transaction history. Importantly, it must provide real-time stock quotes, prices, and trends, as well as enable secure account management.
You can differentiate your app from others by adding advanced features. They include AI-powered recommendations, advanced charting, risk management tools, and financial news. These features equip traders with essential knowledge and help them make informed decisions.
17. Crypto trading and wallet
Statista indicated that the number of crypto users worldwide will reach 962.62 million by 2026, with an estimated $95.1 billion in its total revenue. These figures highlight the growing popularity of this digital asset and the mounting need for safe platforms for corresponding trades.
Investing in this subsegment is a lucrative opportunity for your business to capture. Such apps help users safely store, manage, and trade many cryptocurrencies.
Looking at Coinbase Wallet and Trust Wallet, you’ll understand why these two platforms are successful. Coinbase Wallet has an intuitive interface and supports many cryptocurrencies. Trust Wallet, meanwhile, is a multi-chain self-custody wallet that provides a secure gateway to access thousands of decentralized Web3 apps (dApps).
When building crypto trading platforms and wallets, you must integrate features like two-factor authentication, biometric security, and real-time transaction alerts to increase user trust and engagement. In addition, it is important to guarantee compliance with regulatory standards and install robust safety protocols.
18. Robo-advisor investment platform
You’re targeting investors who want to manage investment portfolios automatically and at a low cost? So, building a robo-advisor investment platform may be an ideal financial app idea for your business.
What users need to do is to input their financial goals, risk tolerance, and timeline. Then, robo-advisors will use algorithms to automatically build and manage their investment portfolios, even when they’re just new to this domain.
There are many reliable robo-advisor platforms in the market. For example, Betterment is a top favorite tool due to its intuitive interface, diverse portfolio options, and goal-based planning. Meanwhile, Wealthfront offers strong portfolio management, tax-loss harvesting, and free access to human specialists as its core strengths.
If you want to settle down in this niche, don’t forget the essential features. They include automated portfolio management, goal-based projections, tax optimization tools, and even educational resources. Further, your app should be transparent about account minimums and management fees.
19. Fractional shares investment app
Not all investors can afford a whole stock, especially expensive ones. So, many fintech apps, like Webull, Charles Schwab, and Fidelity, allow investors to buy fractional shares of their favorite stocks or ETFs.
Do you want to target those who don’t have millions to spare on high-value stocks but build diversified portfolios? If so, building a fractional shares investment app is a promising opportunity.
Important features to look for in this app are a user-friendly interface, portfolio diversification, real-time market data, and due diligence summaries. Further, you can consider advanced features to improve user experiences and trading decisions, like dividend reinvestment plans (DRIP) and strong security measures (e.g., multi-factor authentication or fraud detection).
Insurance and InsurTech Apps
The InsurTech sector is experiencing rapid expansion and opening new opportunities. Do you want to develop successful insurtech apps like Lemonade and Hippo? If so, glance at the following financial app ideas:
20. AI-based insurance claim processing app
84% of insurance companies are adopting AI to streamline their workflows and increase their competitive edge. Recognizing this potential, many AI-powered apps have emerged to automate low-level tasks and monitor the entire claims lifecycle. Some notable examples include Guidewire ClaimCenter, FlowForma, and Sprout.ai.
This type of app uses machine learning, natural language processing, and computer vision to instantly scan and verify claims documents. They then assess the severity of damage based on policy rules, detect potential fraud, and trigger real-time payout.
You want to offer faster, more accurate, and more transparent claims through such a fintech app idea? Consider the core features, including automated first notice of loss (FNOL), AI-powered document analysis, AI-based assessment and valuation, and fraud detection features.
21. Usage-based insurance calculator app (car/health)
This type of app aims to provide car drivers and health service users with fairness. It uses data (like telematics from a vehicle or fitness data from a wearable) to estimate dynamic insurance premiums based on actual risk behavior.
Many insurance companies offer apps to track driving habits, score personal driving behaviors, and provide discounts accordingly. Typical examples include Progressive’s Snapshot and Nationwide’s SmartRide. Meanwhile, other apps, like MFSL Insurance Calculator, SHPremium Calculator, and Policybazaar, use standard factors to quickly generate premiums on health insurance.
Some core features in this app type are data collection via sensors, algorithm-based risk calculation, and driving scorecards.
22. On-demand micro-insurance app
Sometimes, people want to buy short-term insurance to cover specific assets, activities, or periods of time. Let’s say life coverage for a one-way flight or a rented camera for a weekend camping trip.
This financial app idea aims to facilitate this purchase. With only a few clicks on smartphones, users can instantly buy hyper-specific, short-duration insurance at a very low cost. Some outstanding players in this niche include YAS (for different bite-sized insurance solutions), Sure (for air travel), Cuvva (for car & van insurance), and Trov (for valuable assets like sports gear).
When investing in an on-demand micro-insurance app, you should cover the key features, like instant policy activation, flexible coverage, personalized recommendations, and embedded insurance options. Further, your app must have a user-friendly interface to simplify the claims process and be transparent about insurance terms and products.
RegTech Software
RegTech, or Regulatory Technology, essentially focuses on aligning transactions with financial regulations more effectively. The fintech app ideas below help automate the process of regulatory monitoring, reporting, and compliance to minimize the risk of human errors and improve efficiency.
23. KYC/AML verification app
KYC (Know Your Customer) and AML (Anti-Money Laundering) verification apps help businesses verify customer identities and prevent financial fraud. This ensures compliance with industry regulations and avoids cyberthreats.
You can say ComplyCube, Ondato, Lyre AI, and NorthRow as typical examples in this segment. They use AI to automatically authenticate documents, check for fraud, and retrieve key info. Further, they compare a customer’s uploaded ID with a live selfie to confirm real identities or screen customers against reputable databases to spot risks.
AI-powered document analysis, biometric and liveness checks, and real-time monitoring are some of the core features in this app type. Further, your potential app must integrate robust security measures to protect sensitive data.
24. Fraud detection & risk scoring platform
Fraudulent activities and scams are always the top concern of financial institutions. Therefore, they always demand excellent software to detect fraud and score financial risks effectively. This gives you a golden opportunity to jump into this niche.
A fraud detection & risk scoring platform uses machine learning and advanced predictive analytics to instantly identify signals that indicate a user or transaction is fraudulent. It can monitor user behaviors and transactions in real-time, score risks transparently, and send prompt alerts.
If you want to build this app, at least consider those core features. Many similar platforms offer these functionalities to combat financial crime, even at an enterprise level. Let’s say Sift, Feedzai, Veragin, iDenfy, and Sumsub.
25. Transaction monitoring system
The final financial app idea is a transaction monitoring platform. It analyzes transaction data to instantly detect suspicious behavior (e.g., high transfer volumes at a specific time).
NICE Actimize, SAS Anti-Money Laundering, FICO Tonbeller, and Trapets are excellent systems that one can count on to track transactions and manage risks.
These platforms collect transaction data from different sources, as well as adopt predefined rules or advanced AI to flag unusual activity. Once detecting high-risk behavior, the platforms will send alerts for further investigation by human specialists.
Essential Features Every Financial App Must Include
We have discussed all 25 fintech app ideas. Each comes with different core features and functionality to support financial inclusion and drive sustainable financial health. Having said that, there are still important features every financial app should have, regardless of its ultimate purpose:
- User-Friendly Interface: The app should prioritize clarity and ease of navigation. No one wants to waste time on a confusing design that doesn’t tell them the exact cash position or investment performance at a glance.
- Seamless Integration with Third-Party Services: Fintech apps must connect smoothly with business systems (e.g., CRM or accounting software), government databases, and other third-party services (e.g., e-wallets) to get real-time information for financial analysis.
- AI Capabilities: Fintech apps need to integrate smart copilots or AI capabilities to help users improve financial decisions or perform advanced analytics. AI streamlines claims processing, improves personal finance management, supports trading, spots fraud, and even scores a customer’s creditworthiness.
- Real-Time Data Updates: Whether current stock prices, transactions, or the pending loan status, all require real-time data updates. This helps users make more informed and accurate decisions.
- Robust Security Measures: Finance is always the highly regulated industry. So, to avoid leaking sensitive financial data, your app must integrate robust security measures, like data encryption or multi-factor authentication.
Conclusion
We’ve covered a lot of ground here, haven’t we? From transforming how we send money globally with International Remittance apps to making stock trading accessible with Fractional Shares apps.
So, you have the idea; maybe it’s an AI-based credit scoring app, a digital wallet, or something else. And you’re finding a trusted, experienced partner to company you on this app development journey? If so, Designveloper is here to help.
We’re not just a coding shop; we’re a leading web and app development company that specializes in turning complex, high-stakes fintech visions into reliable, regulatory-compliant reality.
We bring deep, practical experience in crafting secure, scalable backend systems, intuitive front-end designs, and the cutting-edge AI integration. Further, we integrate robust security protocols, like encryption and multi-factor authentication, to protect sensitive data from cyberthreats. All help transform a generic app into a financial powerhouse.
Among over 200 projects we have implemented over years, we have successfully built Bonux – a crypto wallet that allows traders to store, manage, and transact digital assets securely. We also developed Song Nhi, a virtual assistant using natural language processing to manage personal finances more efficiently.
Are you ready to stop just dreaming about disrupting the fintech market in 2026 and actually start building?
Don’t let your revolutionary idea crash. Reach out to our experts today for a confidential consultation on how we can help you build a fintech app securely and successfully.
