Kaopiz Logo

Financial
Software Development Services

Kaopiz is your trusted AI & cloud innovation partner, helping financial organizations modernize core systems, strengthen security, and build intelligent, compliant digital platforms, delivered with speed, reliability, and long-term partnership.

12
Years
1000
Staffs
1000
Projects
500
Clients
Trusted by world-leading clients
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Our Financial Software Development & IT Services

Kaopiz offers secure, compliant, and high-performance financial software development and IT services. We help banks, FinTechs, and financial organizations modernize operations, reduce risk, and accelerate innovation, without disrupting mission-critical workflows.

Payment & Transaction Systems

Payment & Transaction Systems

We design and build high-performance payment platforms that support real-time processing, multi-channel experiences, and cross-border transactions, while meeting strict security and compliance standards.

  • ✦ Payment processing solutions
  • ✦ Payment gateway integration
  • ✦ Payment analytics & reporting tools
  • ✦ Blockchain-based payment networks

Client Challenges & How Kaopiz Solves Them

Financial organizations today face increasing pressure to innovate faster, while maintaining security, compliance, and system stability. Here’s how Kaopiz helps organizations overcome these challenges with confidence.

Legacy Systems and Technical Debt

Many banks and financial institutions still rely on outdated core systems that are expensive to maintain, slow to change, and difficult to integrate with modern platforms. This limits innovation and increases operational risk.

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Legacy Systems and Technical Debt

We modernize legacy systems using cloud-native, microservices-based architectures, enabling gradual migration without disrupting daily operations. Our approach reduces technical debt while improving scalability, reliability, and time-to-market.

Regulatory Complexity and Compliance Risk

Financial organizations must comply with evolving regulations such as KYC, AML, data protection, and transaction reporting. Manual compliance processes increase cost, error rates, and audit risk.

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Regulatory Complexity and Compliance Risk

We design compliance-by-default systems with built-in audit trails, automated reporting, role-based access control, and real-time monitoring. Our RegTech solutions help organizations stay compliant without slowing down innovation.

Data Silos and Limited Business Intelligence

Financial data often lives in disconnected systems, core banking, CRM, risk engines, payment platforms, making it difficult to get a unified view of customers, operations, and risks.

View Solution
Data Silos and Limited Business Intelligence

We build centralized financial data platforms that unify structured and unstructured data into a single source of truth. Using AI-driven analytics, we help organizations generate real-time insights, improve forecasting, and make faster, data-backed decisions.

Fraud, Financial Crime, and Security Threats

As digital transactions grow, so do fraud attempts, cyber threats, and financial crime risks. Traditional rule-based systems often fail to detect complex or evolving patterns.

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Fraud, Financial Crime, and Security Threats

We apply AI and machine learning to build intelligent fraud detection systems that analyze behavior patterns, identify anomalies, and trigger real-time alerts, reducing false positives while improving security.

Slow Time-to-Market for New Products

Launching new financial products often takes months due to rigid architectures, complex integrations, and compliance bottlenecks, making it hard to compete with digital-native FinTech players.

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Slow Time-to-Market for New Products

We use modular architectures, reusable components, and API-first design to accelerate product development. Our MVP-first approach helps organizations validate ideas quickly and scale confidently.

Unclear ROI and High Transformation Risk

Many finance leaders struggle to justify digital investments due to unclear ROI, long implementation cycles, and fear of disrupting mission-critical systems.

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Unclear ROI and High Transformation Risk

We follow a phased, value-driven delivery model, starting with high-impact use cases, measurable KPIs, and clear milestones. This ensures early returns while minimizing risk.

Financial Organizations We Serve

Kaopiz partners with a wide range of financial organizations across the global financial ecosystem, from traditional institutions to fast-growing FinTech innovators.

Banks & Traditional Financial Institutions

We help banks modernize legacy systems, launch digital services faster, and strengthen security while maintaining strict regulatory compliance.

Retail and Commercial Banks
Digital and Neo-banks
International Banking Groups

FinTech Companies

We support FinTech innovators in building scalable, cloud-native platforms that enable rapid product launches and global expansion.

Digital Wallets and Payment Companies
Lending and BNPL Platforms
WealthTech and Robo-advisory Platforms
Embedded Finance Providers

Payment Service Providers & Networks

We build secure, high-performance platforms for real-time transactions, reconciliation, and multi-channel payments.

Payment Gateways
Cross-border Payment Providers
Merchant Acquiring Platforms
QR and Mobile Payment Networks

Insurance & InsurTech Companies

We help insurers digitize underwriting, claims, and customer engagement while improving operational efficiency.

Life and General Insurance Companies
Health Insurance Providers
Digital-first InsurTech Platforms
Reinsurance Companies

Wealth Management & Asset Management

We build data-driven platforms for portfolio tracking, reporting, and client engagement.

Asset Management Firms
Private Wealth Managers
Family Offices
Investment Advisory Companies

Lending, Credit & Risk Organizations

We design data-driven systems for credit scoring, loan origination, underwriting, and risk management.

Consumer and SME Lenders
Microfinance Institutions
Credit Bureaus
Alternative Lending Platforms

Capital Markets & Trading Firms

We develop high-performance platforms for real-time data processing, analytics, and trading automation.

Brokerage Firms
Investment Banks
Trading Platforms
Market Data Providers

Government & Public Financial Bodies

We support public-sector finance organizations with secure, compliant platforms for national initiatives.

Central Banks
Financial Regulators
National Payment Networks
Public Finance Agencies

Custom Estimates, Real Value

We work with you to define the right team size, engagement model, and timeline based on your budget and goals. Our pricing is competitive, our process is transparent, and the value we deliver is long-term.

Our Flexible
Engagement Models

Kaopiz gives you flexible ways to scale, execute, and innovate. Whether you need a single specialist or an entire offshore team, we offer multiple engagement models to match your goals, budget, and timeline.

Staff Augmentation
(On-Demand Talent)

Hire dedicated developers who work as part of your in-house team, following your tools, processes, and priorities.

Best for: Rapid scaling, skill gaps, short-term needs
Individual engineers or small pods
Direct control & task management
Quick onboarding (days, not months)
Flexible scaling up/down
No long-term hiring risks
Hire Dedicated Developers

Dedicated Team Model

Build a fully dedicated offshore team managed jointly by your team and Kaopiz.

Best for: Long-term product development, stable roadmaps
Cross-functional squad (PM, Devs, QA, DevOps)
Long-term continuity
Stable capacity
Kaopiz handles HR, admin, retention
High ownership & accountability
Build a Dedicated Team

R&D / Innovation
Lab Model

Launch a focused R&D team to explore ideas, validate concepts, and build prototypes fast.

Best for: Experimentation, AI, emerging tech
AI/ML specialists
Rapid prototyping
Low-risk experimentation
Feasibility testing
Scalable transition to production
Start an Innovation Lab

Project-Based Delivery

Kaopiz delivers a complete project with a committed scope, timeline, and budget.

Best for: Fixed scope, defined outcomes
Fixed milestones
Clear deliverables
Managed delivery
Reduced internal overhead
SLA-backed execution
Request a Project Quote

Not Sure Which Model
Fits Your Needs?

Our experts will recommend the best engagement model based on your team size, timeline, and goals.

Get a Free Consultation

Our Successful Projects in Finance

Explore how we’ve helped financial organizations build secure, compliant, and scalable digital platforms that deliver measurable business impact.

What Our
Clients Say

"I've chosen Kaopiz as a partner for the core development team. I found really talented people here that allow me to really trust them with this very core piece of the engineering that we’re doing."

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Felix AI
Ariel Geifman Founder, Felix AI

"Our company has a variety of development projects that require accuracy and speed, and we have taken notice of offshore development as a way to achieve these goals. Utilizing offshore vendors can provide cost and speed benefits compared to working with vendors in Japan. If the offshore vendor has excellent communication skills, these benefits can be fully realized."

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Hiroshi Nemoto Logo
Hiroshi Nemoto Manager, Ministop

"Our company is a comprehensive education firm that places great emphasis on the integration of education and IT. In order to meet our diverse development needs, we have chosen to utilize offshore development services. Kaopiz has proven to be a strong partner, not only for their ability to attract top talent but also for their sincere approach and consistently high-quality output."

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Koichi Nakano Logo
Koichi Nakano IT Business Unit Manager, Spix

"Our company has been conducting offshore development in Vietnam with multiple partners since 2007. Among these partners, Kaopiz stands out for its abundance of knowledgeable and experienced personnel who prioritize thorough team-wide information sharing to maximize organizational strength. Their innovative research and application of unfamiliar services and technologies allows them to solve difficult requirements."

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Ogura Logo
Ogura CEO, Actnet

"I was concerned about offshore development for the first time. However, the executives and business analysts displayed excellent communication skills, allowing us to proceed with the project quickly. Despite using technology that Kaopiz had no prior experience with, they were flexible in their approach, resulting in a successful release."

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Shimazoe Logo
Shimazoe CTO, Yper

"As technology drives our company to focus on speed, Kaopiz has shown its unique capability of quickly adopting new technologies and creating applications in a short time without sacrificing quality. Kaopiz offers high-skilled engineers who can communicate in multi-languages. They are extremely flexible and responsive to changes."

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Ryan Hsu Logo
Ryan Hsu Project Leader, Tradfit

"There are many providers of dedicated team model development, and after considering several companies, we have chosen to partner with Kaopiz. This decision was based on Kaopiz’s exceptional capability to recruit skilled professionals from the founders’ university, effective communication skills, and dependable service."

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Kanahara Logo
Kanahara CEO, Caeruxlab

"Our company is a comprehensive education firm that places great emphasis on the integration of education and IT. In order to meet our diverse development needs, we have chosen to utilize offshore development services. Kaopiz has proven to be a strong partner, not only for their ability to attract top talent but also for their sincere approach and consistently high-quality output."

Quote
Koichi Nakano Logo
Koichi Nakano IT Business Unit Manager, Spix

Why Choose Kaopizfor Financial Digital Transformation?

At Kaopiz, we go beyond software development, we partner with businesses to solve real-world challenges through AI and cloud innovation. With global teams across Vietnam, Japan, and Singapore, and certifications such as ISO 9001, ISO 27001, ISTQB, and our AWS Partnership, we deliver world-class solutions that power mission-critical systems with predictable quality, transparent delivery, and measurable business impact.

ISO 27001

ISO 27001

Top 50+10 Leading IT Companies 2019

Top 50+10 Leading IT Companies 2019

Clutch Global Fall 2024

Clutch Global Fall 2024

Most Reviewed Software Developers

Most Reviewed Software Developers

Top 10 ICT Companies 2022

Top 10 ICT Companies 2022

ISO 9001

ISO 9001

2025 Custom Software Development Winner

2025 Custom Software Development Winner

Top Web Development Companies

Top Web Development Companies

Make in Vietnam

Make in Vietnam

2024 Fall Champion

2024 Fall Champion

ISTQB Platinum Partner

ISTQB Platinum Partner

2024 Top AI Company

2024 Top AI Company

Top 10 Digital Technology Companies 2024

Top 10 Digital Technology Companies 2024

HIPAA

HIPAA

Vietnam Top Software Developers 2026

Vietnam Top Software Developers 2026

Sao Khue 2025

Sao Khue 2025

GDPR Compliance

GDPR Compliance

2024 Top Web3 Company

2024 Top Web3 Company

AWS Well-Architected Partner

AWS Well-Architected Partner

AWS Advanced Partner

AWS Advanced Partner

2026 Globee Awards Gold Winner

2026 Globee Awards Gold Winner

ISO 27001

ISO 27001

Top 50+10 Leading IT Companies 2019

Top 50+10 Leading IT Companies 2019

Clutch Global Fall 2024

Clutch Global Fall 2024

Most Reviewed Software Developers

Most Reviewed Software Developers

Top 10 ICT Companies 2022

Top 10 ICT Companies 2022

ISO 9001

ISO 9001

2025 Custom Software Development Winner

2025 Custom Software Development Winner

Top Web Development Companies

Top Web Development Companies

Make in Vietnam

Make in Vietnam

2024 Fall Champion

2024 Fall Champion

ISTQB Platinum Partner

ISTQB Platinum Partner

2024 Top AI Company

2024 Top AI Company

Top 10 Digital Technology Companies 2024

Top 10 Digital Technology Companies 2024

HIPAA

HIPAA

Vietnam Top Software Developers 2026

Vietnam Top Software Developers 2026

Sao Khue 2025

Sao Khue 2025

GDPR Compliance

GDPR Compliance

2024 Top Web3 Company

2024 Top Web3 Company

AWS Well-Architected Partner

AWS Well-Architected Partner

AWS Advanced Partner

AWS Advanced Partner

2026 Globee Awards Gold Winner

2026 Globee Awards Gold Winner

Technology Stack

Frontend

Build fast, accessible interfaces optimized for performance at scale.

Vue.js
Angular
React
NuxtJS
HTML
NEXT.JS

Backend

Architect secure, high-throughput server systems that hold up under real load.

NodeJS
Python
PHP
Java
.NET
C#
Rails
GO
C++

Mobile

Ship iOS and Android apps with smooth performance and secure data handling.

Flutter
React
Swift
Kotlin

Cloud

Design and manage cloud infrastructure that scales reliably and stays cost-efficient.

AWS
Google Cloud
Azure

AI

Integrate production-ready AI, from predictive models to LLM-powered features.

TensorFlow
OpenCV
Keras
scikit-learn
PyTorch
Caffe

Blockchain

Build transparent, tamper-proof systems for fintech, logistics, and supply chain.

Ethereum
Solana
Hyperledger

QA & Testing

Validate every release with automated, performance, and security testing end to end.

Test Automation
Performance Test
Security Test

UX/UI Design

Deliver product interfaces with clear user flows, strong hierarchy, and accessible layouts.

UX Design
UI Design

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Our Process

At Kaopiz, we follow a disciplined, outcome-driven process designed to reduce risk, ensure compliance, and deliver long-term value, not just short-term features.

Discovery & Solutions
Analyst & Design
Development
Testing
Delivery & Warranty
Maintenance & Customer Support

Insights

News Articles Whitepapers Events
View All

Drive innovation with Kaopiz

Know the costs, plan with confidence.

01
Sign NDA
Ensure your information stays confidential
02
Analyze requirements
Understand and clarify your needs
03
Propose solutions
Present tailored, effective solutions
04
Kick-off project
Begin development and execution

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Other Industries We Empower

We help forward-thinking organizations transform operations, adopt AI, and scale securely with cloud-first solutions.

Frequently Asked Questions

Security and compliance are built into our systems from the start. We follow a compliance-by-design approach that includes encryption, role-based access control, audit logs, secure cloud architecture, and ISO-aligned development processes. We also design systems to support KYC, AML, data privacy, and financial reporting requirements.

Absolutely. We specialize in integrating complex financial ecosystems. Our solutions are API-first and designed to work seamlessly with core banking systems, CRMs, payment gateways, ERP platforms, and third-party services, without disrupting operations.

Yes. We apply AI in finance where it creates real business value, such as fraud detection, risk scoring, customer behavior analysis, predictive analytics, intelligent automation, and personalized financial services. Our AI systems are explainable, auditable, and built with compliance in mind.

Timelines depend on complexity, compliance requirements, and integrations. A typical MVP can be delivered in 8–16 weeks, while enterprise platforms are developed in phased milestones over several months. We always provide a clear roadmap before starting.

We offer flexible engagement models including fixed-price, time & material, and dedicated teams. Our pricing is transparent, milestone-based, and aligned with measurable outcomes, so you can control costs and ROI.