Services · Mobile app development · Fintech apps
Codeeo provides fintech app development London payments firms, e-money institutions, investment platforms and embedded finance start-ups can take into an FCA conversation. We build customer apps, business onboarding flows, Open Banking payments and the operations consoles behind them, for a city where customers move money across borders, switch between languages and expect an account to open in minutes, and where the regulator expects every one of those minutes to be evidenced.
We are a team of 80+ across Dubai, Riyadh and Karachi with 200+ projects delivered across the UAE and the US. London clients work with us remotely: workshops, reviews and demos take place over video, and decisions are recorded in writing for your governance pack.
200+ companies servedFrom a first store to an ADX listed developer
Capabilities
London fintech customers are rarely simple. A single user may earn in sterling, send money to family abroad, invest through an ISA and run a small limited company on the side. Business customers arrive with directors in several countries and ownership chains that take real work to verify. The capital also concentrates the partners you will build on: sponsor banks, card issuers, Open Banking providers, identity vendors and clearing access, much of it clustered around the City, Canary Wharf and the start-up streets of Shoreditch. These are the capabilities we scope most often for financial services app development in London, ordered roughly by how often firms ask for them. Each one connects to an operations console so your compliance, fraud and support teams can see and act on what customers do, and each leaves an audit trail an FCA supervisor or skilled person could follow line by line.
Hold, convert and send several currencies from one account, with live rates from your FX provider, rate locks, clear fee disclosure before confirmation and statements that show the rate actually applied. Built for London customers who earn in pounds and pay family, suppliers or tuition abroad.
Customers see the full cost of a transfer before they commit to it.
Company search pulled from the Companies House register, director and person with significant control checks, document upload for complex ownership, and risk scoring that routes higher-risk applicants to an analyst. Applications pause and resume across devices, so a director can finish from another country.
Business accounts open faster without weakening due diligence.
Open Banking payment initiation for top-ups, invoices and checkout, plus sweeping variable recurring payments where your use case qualifies, through a regulated provider. Consent screens show payee, limits and duration, and customers can cancel a mandate inside the app. Failed payment reasons are shown in words a customer understands.
Fewer card fees and fewer failed payments for eligible flows.
Name checks on new payees through Confirmation of Payee, risk-based friction on first-time or unusual transfers, and warnings written for the scam types customers actually meet. Every warning shown and every override is logged, which matters when a reimbursement claim for authorised push payment fraud comes in.
Fraud decisions are evidenced when a claim or complaint arrives.
Fractional shares, funds or ISAs from your custody partner, with appropriateness questions before complex products, cooling-off periods where rules require them, and risk warnings placed where a customer will read them rather than buried in terms. Portfolio values refresh from the custodian feed throughout the trading day.
Customers invest with the warnings the rules expect in front of them.
Accounts, cards and payments delivered through a sponsor bank or EMI partner's API, with webhooks, retry logic and reconciliation built so a partner outage never leaves a balance wrong. We design the integration so a second partner can be added without rewriting the app. Partner incidents trigger alerts to your operations team before customers notice.
Your product is not hostage to a single provider's roadmap.
For consumer credit, buy now pay later or small business lending, an application flow that gathers income and spending through Open Banking with consent, runs your affordability and creditworthiness rules, and explains a decline in plain words. Borrowers who show signs of financial difficulty are routed to a person and offered forbearance options your policy defines.
Credit decisions are explainable to the customer and to the regulator.
Rules and alerts for unusual activity, sanctions hits and velocity spikes, feeding a case console where analysts review, add notes, request information from the customer and escalate. Suspicious activity decisions stay with your nominated officer. Analysts' decisions feed back into rule tuning each month.
Alerts become cases with an owner and a history.
In-app banners, onboarding copy and push notifications that describe a product go through a sign-off queue before release, with versions, approver names and dates stored. Remote configuration lets you withdraw a promotion instantly if it needs to change. Expired promotions are removed automatically on the end date you set.
Every promotional message has an approval record behind it.
Help content and in-app chat available in the languages your London customers use, with the regulated wording kept in English where your compliance team prefers, and complaints recorded against the timelines the complaint handling rules set. Response templates are approved by compliance once and reused. Agents can pass a conversation to a colleague who speaks the customer's language.
Customers get answers in a language they read comfortably.
Who we work with
London has fintechs at every stage, from two founders preparing an FCA application to scale-ups with several regulated entities. The FCA itself sits at Stratford, and much of the partner ecosystem you depend on is a short trip across town from it. Our role is narrower than a full consultancy: we design, build and maintain the apps and consoles, and we make sure they produce the evidence your compliance function and your regulator will ask for. Where we lack a specialist view, for example on capital adequacy or prudential reporting, we say so and work alongside your advisers rather than guessing.
The FCA wants to see that your systems and controls exist, not just that you plan them. We build a working product with onboarding, safeguarding reconciliation, complaints handling and record keeping in place, which gives your application something concrete to describe. If your idea is novel, the FCA Regulatory Sandbox, which now accepts applications all year, may be worth discussing with your adviser. Investors and partner banks reviewing your business see a product that already behaves like a regulated one, which shortens their own due diligence.
Build the controls into the first version.
You operate as an agent or distributor under someone else's licence, and their requirements shape yours. We map the partner's oversight demands, build the reporting they need, and keep the product flexible enough to move to your own permissions later without a rewrite. Partner audits stop being a scramble because the evidence they ask for is produced by the product itself, every month. Monthly management information for the principal is generated by the console rather than assembled by hand. Partner rules are mapped early.
The first version shipped fast and now slows everyone down: manual reconciliations, support tickets for things the app should explain, and screens nobody dares change. We audit the code, keep what works and rebuild the risky parts in stages while the existing app stays live. Customers keep using the old version until each rebuilt area has been tested and approved, so nothing breaks for them during the change. We also add automated tests around the old code first, so we can change it safely.
Staged rebuilds avoid a risky big switch.
Payroll bureaux, accountancy practices and corporate service providers increasingly want onboarding, document exchange and payment collection in one place. We build a portal app with Companies House lookups, identity checks, engagement letters and pay by bank collection, connected to the practice tools your staff already run. Clients sign, verify and pay in one sitting, and your staff stop chasing missing documents by email. Firms in the City and in Canary Wharf use this to replace scattered email and spreadsheet processes with a single portal.
Engagement
Early-stage firms usually take a fixed-scope build for the product they will describe in their application or partner onboarding. Scale-ups often prefer a dedicated team that works inside their sprint rhythm and tooling. Firms with a live app take a retainer for maintenance, partner API changes and new features. In every model, cost depends on the number of partners integrated, whether money moves through the app, the investment or lending features involved, and the security assurance your board requires. We put a written estimate with its assumptions in front of you for each release, and we revisit it openly if a partner changes its API or a rule change adds work mid-build.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
Native Swift and Kotlin suit apps with heavy security or card features; Flutter and React Native suit faster multi-platform releases. Backends sit in UK or EU cloud regions to match your data policy, with secrets, keys and logs managed to the standard your partners will audit. We keep the stack conventional on purpose, so your future in-house engineers can hire for it in London without hunting for rare skills.
01Mobile
02Data and cloud
03Marketing and tracking
The controls the FCA will ask about: onboarding, safeguarding, complaints and records.
An application is stronger when it describes systems that exist. We aim the first release at the parts a case officer will probe: how you verify customers, how you reconcile and safeguard funds, how complaints are logged and answered, how vulnerable customers are identified and how records are kept. Marketing features and nice extras can wait. Your regulatory adviser writes the application; we make sure the product behind it matches what the application says.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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