FinTech Software Development in Australia
Overview
What Does a Fintech Software Development Company Do?
A fintech software development company designs and builds the apps, platforms and integrations behind financial products such as payments, lending, wallets and wealth tools. In Australia the build must fit the client's licence and obligations, including AML/CTF rules enforced by AUSTRAC, the Consumer Data Right, PCI DSS for card data and the Privacy Act. Pixbit works alongside your legal and compliance advisers and builds these requirements into the product from the first sprint.
Fintech Software We Build for Australian Businesses
Customer apps, back-office systems and integrations for fintech startups, lenders and established financial services firms.
Payments and Wallet Apps
Mobile and web apps for payments, stored value and transfers, with NPP, PayTo and card gateway integrations.
Lending and BNPL Platforms
Origination, credit assessment workflows, repayment schedules and hardship handling for licensed credit providers.
Open Banking and CDR Features
Consumer Data Right data sharing for accredited recipients and their representatives, plus bank data aggregator integrations.
Onboarding and eKYC
Digital identity verification, document checks and customer due diligence flows that feed your AML/CTF program.
Wealth and Investment Dashboards
Portfolio views, performance reporting and adviser tools that present complex data clearly and securely.
Back-Office and Reporting Tools
Reconciliation, transaction monitoring queues, audit trails and regulatory reporting exports for operations teams.
Feedback from teams we have designed, built and supported software for.
Choosing Pixbit Solutions to revamp our e-learning platform was the best decision we made. Their creative team transformed our site into a highly responsive and engaging platform within a tight deadline, exceeding our expectations. They consistently prioritised our needs throughout the process. For anyone seeking excellence in-app or web development, partnering with Pixbit Solutions is a clear choice.
Mohamed Shahanavas M
CEO, Founder of RoseappI have been partnering with Pixbit Solutions for the last 3 years, and the experience has been consistently rewarding. Their precise understanding of requirements and their ability to handle even the most urgent tasks with exceptional speed and accuracy truly stands out. Pixbit Solutions is the top choice for anyone seeking a premier app development company.
Kasra Jafroodi
Senior AssociateA controlled path from requirements to a product your partners can trust.
Requirements and Obligations
We map features, user types, integrations and regulatory obligations with you and your advisers.
Architecture and Security Design
Data flows, access controls, encryption and audit logging are designed and documented before development.
Build in Sprints
Two-week sprints with working demos, sandbox integrations and a backlog you can see at any time.
Testing and Security Review
Automated tests, accessibility checks and an independent penetration test arranged before launch.
Launch and Support
Production release in Australian cloud regions, with monitoring, incident response and planned improvements.
Requirements Mapped Early
We map your licence conditions and obligations with your advisers before design, so features are built right the first time.
Security Built In
Multi-factor authentication, encryption, least-privilege access and tamper-evident audit logs are part of the architecture, not an add-on.
Build, Not Just Audit
One team designs, builds and prepares your product for bank partner and regulator review, so you are not coordinating separate consultants and developers.
You Own the Code
Source code, cloud accounts and documentation sit in your name from the first week, which partners and investors will check.
Security and Compliance From the First Sprint
Threat modelling, audit logging and data protection are planned before development, so your product is ready for bank partner and regulator reviews.
Pixbit is a software company, not a law firm. We work with your legal and compliance advisers and build their requirements into the product.
01
AML/CTF and AUSTRAC
Customer identification, ongoing due diligence, transaction monitoring and suspicious matter reporting workflows, updated for the AML/CTF reforms that began in 2026.
02
Consumer Data Right
CDR data sharing built to the consent, security and data handling rules that apply to accredited data recipients and their representatives.
03
PCI DSS for Card Data
Tokenised card handling through certified gateways keeps card data out of your systems wherever possible, shrinking your PCI DSS v4.0 scope.
04
Scams Prevention Framework
Banks and other designated sectors face scam prevention, detection and reporting duties. We build the alerts, holds and reporting features those duties call for.
05
APRA CPS 234 and CPS 230
For APRA-regulated clients and their service providers, we document information security controls and operational resilience in the form these standards expect.
Tell us your product, your licence position and your target customers. We will reply with a scoped plan and the compliance features it needs.
Our Fintech Technology Stack
Proven frameworks and cloud services with the audit, encryption and monitoring features financial products need.
Front end
Back end
Database
Frameworks
Quality Assurance
HTML 5
JavaScript
CSS
Swift
Kotlin
Dart
Flutter
React
Next.js
Angular
Vue.js
Laravel
PHP
Selenium
MySQL
SQLite
Firebase
Redis
Node.js
Magento
MariaDB
Appium
MongoDB
How Pixbit built a secure e-wallet, merchant payment and bill payment platform on mobile and web.
Other ways Pixbit supports Australian businesses.
Web platforms and internal systems.
iOS, Android and Flutter apps.
AI consulting, assistants and automation you can govern.
Multi-tenant SaaS platforms built for enterprise buyers.
Fintech Software Development in Australia at a Glance
The key facts at a glance for Australian businesses.
Products
Payments, wallets, lending, BNPL, wealth dashboards, back-office tools
Obligations designed for
AML/CTF, Consumer Data Right, PCI DSS v4.0, Privacy Act, Scams Prevention Framework
Regulators considered
AUSTRAC, ASIC, APRA and the CDR regulators
Integrations
NPP, PayTo, card gateways, identity verification, CDR data
Hosting
AWS Sydney or Melbourne, or Azure Australia East, in your own account
Ownership
Code, cloud accounts and documentation in your name
What Australian businesses ask us before starting.
Have a Fintech Idea?
Let's Scope Your Product
Share your product, licence plans and target users. Pixbit scopes in a single discovery session.