Australian fintech moves fast, and the bar is high. Consumers expect instant onboarding, real-time payments and bank-grade security, while regulators expect rigorous controls across data, privacy and financial-crime prevention. Building for that environment takes more than good design — it takes engineering teams who understand the Consumer Data Right, APRA expectations and AUSTRAC obligations from day one. Brainguru is a global IT solutions company, founded in 2007 and headquartered in Noida (Delhi NCR), India, helping Australian fintechs ship compliant, scalable apps and platforms with confidence.
Over 17+ years we have delivered 2000+ projects for 850+ clients across 20+ industries, with a 98% client-retention rate that reflects how we work: as a long-term build partner, not a one-off vendor. For Australian founders, banks, lenders and insurers, that means a remote-first team with strong AEST overlap, AUD-equivalent billing and a compliance-first delivery culture.
Why Australian fintechs choose Brainguru
Australian fintechs choose us because we combine deep financial-software engineering with practical knowledge of the local regulatory landscape. We do not treat compliance as an afterthought — CDR, APRA CPS 234, ASIC, AUSTRAC and the Privacy Act 1988 shape our architecture from the first sprint.
- Fintech specialisation: we build neobank apps, payments and wallets, BNPL, lending platforms, wealthtech, open-banking data products, insurtech and RegTech tooling.
- Compliance-first engineering: OWASP Top 10, NDA with IP-assignment, GDPR-aligned and HIPAA-capable controls, plus designs that support CPS 234 and AML/CTF obligations.
- Local-friendly delivery: AUD-equivalent quotes, strong daily overlap with Australian business hours, and on-site visits arranged for key milestones.
- Flexible engagement: fixed-bid for well-defined scope, dedicated offshore teams of 1–50+, or time & material for evolving roadmaps.
- Proven scale: 2000+ delivered projects and a 98% retention rate across a global client base.
If you want to discuss your roadmap, you can get started or reach us directly on WhatsApp.
Fintech solutions we build for Australia
We design and engineer the full spectrum of fintech products, from regulated banking apps to data-rich open-banking services. Each build is shaped around your licensing model, integrations and compliance scope.
- Neobank & digital banking apps: account onboarding, KYC, card issuing, real-time balances, PayID and NPP-style payment flows, and in-app servicing.
- Payments & wallets: digital wallets, merchant and P2P payments, tokenisation, recurring billing and PCI DSS-aware card handling.
- BNPL: buy-now-pay-later checkout, instalment scheduling, affordability checks and merchant settlement, designed with responsible-lending expectations in mind.
- Lending & lend-tech: loan origination, decisioning, servicing and collections, with credit-bureau and open-banking data inputs.
- Wealthtech & investing apps: micro-investing, portfolio dashboards, automated advice flows, brokerage integrations and goal-based saving.
- Open-banking & CDR data products: consent-driven data sharing, data-recipient workflows, account aggregation and personal-finance insights built to CDR expectations.
- Insurtech: quote-and-bind journeys, policy administration, claims automation and usage-based products.
- RegTech / KYC-AML: identity verification, transaction monitoring, sanctions and PEP screening, and reporting workflows that support AUSTRAC obligations.
Many of these draw on our broader mobile app development and AI/ML solutions capabilities — for example fraud scoring, document OCR and personalisation.
Australia delivery model
We operate remote-first and structure delivery around Australian working rhythms. India runs roughly 4.5–5.5 hours behind AEST, so daily stand-ups, demos, releases and incident response all land within a comfortable shared window. On-site visits to Australia are arranged for discovery workshops, major milestones and go-live support.
Commercially, we quote in AUD-equivalent so your finance team can plan in local currency, while invoicing in USD or your preferred currency — we bill in USD, AED, SAR, GBP, EUR and INR. You choose the engagement model: fixed-bid for tightly scoped projects, a dedicated offshore team scaling from 1 to 50+ engineers, or time & material for fast-moving roadmaps. Whichever you pick, you get agile delivery, CI/CD pipelines and automated testing as standard. Explore our wider software development for Australia if your needs extend beyond fintech.
Fintech compliance & regulation in Australia
Australian financial software sits within a layered regulatory framework. We build with these obligations in view, while your licensed entity retains regulatory accountability.
- Consumer Data Right (CDR) / open banking: consent management, data minimisation, secure data flows and audit trails aligned to CDR rules, with support for your accreditation pathway.
- APRA prudential standards: including CPS 234 information security — access control, encryption, logging, vulnerability management and tested incident response.
- ASIC: design that supports responsible-lending, disclosure and conduct expectations for regulated products such as lending and investing.
- AUSTRAC AML/CTF: KYC, transaction monitoring, screening and reporting structures supporting suspicious-matter and threshold reporting.
- Privacy Act 1988 & the Australian Privacy Principles (APPs): privacy-by-design, consent, data-handling and retention controls.
- Notifiable Data Breaches scheme: logging, detection and response workflows to support timely breach assessment and notification.
- PCI DSS: tokenisation and scope-reduction patterns for card data, with secure handling across payment journeys.
Security underpins all of it. Our cybersecurity & cloud solutions team applies OWASP Top 10, secure SDLC and cloud hardening across every fintech build.
Our fintech technology stack
We choose proven, well-supported technologies that suit regulated, high-availability financial systems — favouring stacks your team can maintain long-term.
- Mobile: native iOS (Swift) and Android (Kotlin), plus React Native and Flutter for cross-platform apps.
- Backend: Java/Spring Boot, .NET, Node.js, Python and Go for high-throughput, secure APIs.
- Cloud & DevOps: AWS, Azure and Google Cloud, with containerisation, Kubernetes, infrastructure-as-code and CI/CD.
- Data & AI/ML: PostgreSQL, real-time event streaming, data pipelines, and ML for fraud detection, credit scoring and personalisation.
- Integrations: payment gateways, card issuers, KYC/AML providers, credit bureaus and open-banking/CDR data feeds.
- Security: encryption in transit and at rest, secrets management, tokenisation, RBAC and continuous vulnerability scanning.
Representative engagements
The examples below are representative and illustrative of the work we deliver; they reflect aggregate experience rather than naming specific clients.
- Digital wallet & payments app: a consumer wallet with P2P transfers, merchant payments and tokenised card storage, built with PCI DSS-aware handling and real-time transaction monitoring.
- Lending platform: an end-to-end origination and servicing system with automated decisioning, open-banking affordability checks and a borrower self-service portal.
- Open-banking insights product: a CDR-aligned data product aggregating consented account data into personal-finance dashboards with full consent and audit logging.
- RegTech KYC/AML module: a reusable verification and screening service integrating identity providers, sanctions/PEP screening and reporting workflows supporting AUSTRAC obligations.
Engagement & pricing
The figures below are indicative only. Final pricing depends on scope, integrations and compliance requirements, and we provide a firm quote in AUD-equivalent after discovery. Indicative USD ranges are shown with approximate AUD-equivalent values.
| Engagement | Best for | Indicative USD | Indicative AUD-equivalent |
|---|---|---|---|
| Discovery & compliance blueprint | Scoping, architecture, CDR/AML mapping | From ~US$6,000 | From ~A$9,000 |
| Fintech MVP (fixed-bid) | Wallet, BNPL or lending MVP | ~US$30,000–US$70,000 | ~A$45,000–A$105,000 |
| Dedicated offshore engineer | Ongoing build & roadmap delivery | From ~US$2,800 / month | From ~A$4,200 / month |
| Dedicated team (5–10+) | Scaling platforms & multiple workstreams | Custom quote | Custom quote |
| Time & material | Evolving scope & enhancements | Indicative hourly | Indicative hourly |
All prices are indicative. Request a tailored quote via our contact page.
Process & onboarding
We keep onboarding fast and low-risk, with compliance and security baked into each phase.
- 1. Discovery & NDA: we sign an NDA with IP-assignment, then run discovery to map product scope, integrations and Australian regulatory requirements.
- 2. Architecture & compliance blueprint: we define the technical architecture, security controls and CDR/APRA/AUSTRAC considerations.
- 3. Agile build: iterative sprints with CI/CD, automated testing, demos and a strong AEST review cadence.
- 4. Security & QA: OWASP-aligned testing, code review and performance validation before release.
- 5. Launch & support: go-live support, monitoring and an ongoing roadmap, with on-site visits arranged as needed.
Frequently asked questions
Do you build fintech apps that comply with Australia’s Consumer Data Right (CDR)? Yes. We design open-banking and CDR data products with consent management, data minimisation and audit logging aligned to CDR rules, and support your accreditation pathway while you remain the accountable party.
How do you bill Australian fintech clients? We bill in USD with AUD-equivalent quotes, and can also invoice in AED, SAR, GBP, EUR and INR. Engagements can be fixed-bid, dedicated offshore teams or time & material.
What are your working-hour overlaps with Australia? India runs roughly 4.5–5.5 hours behind AEST, giving strong daily overlap for stand-ups, demos and incident response. We are remote-first, with on-site visits arranged.
Can you meet APRA CPS 234 information-security expectations? We build to OWASP Top 10 with CI/CD and automated testing, and design access control, encryption, logging and incident response to support your CPS 234 obligations.
Do you handle AML/CTF, KYC and AUSTRAC requirements? Yes — we integrate KYC/AML providers, build transaction-monitoring and screening, and structure data to support AUSTRAC reporting.
How do you protect our intellectual property? Every engagement runs under an NDA with full IP-assignment, with GDPR-aligned and HIPAA-capable data handling where relevant.
What is the typical timeline for a fintech MVP? A focused MVP typically runs 10–16 weeks depending on integrations and compliance scope, confirmed during discovery.
Ready to build your Australian fintech?
Let’s turn your fintech idea into a compliant, scalable app for the Australian market. Tell us about your product and we’ll come back with an AUD-equivalent quote and a delivery plan. Reach our team via our contact page or message us on WhatsApp. You can also call +91-8010010000 or email info@brainguru.in.