There is no doubt that fintech is one of the exciting areas to work in, and it is one of the most profitable areas for any new startup or app. But the question is, how to build a fintech app? Well, building a financial app is relatively easy. But if you look at modern fintech app development, you need to consider a lot of factors.

For instance, to build a fintech app, you need to focus on the latest tips and trends. So the question is, how to create a fintech app? In this article, I will be sharing some of such latest tips and trends to build a fintech app perfectly.

So here we go:

Fintech app development in 2021: Tips and Trends

Artificial Intelligence:

There is no doubt that in app development, artificial intelligence or AI is playing a significant role. And it has four unique features.

For instance, it is capable of detecting changes in data patterns and tuning the model by itself. As a result, you don't need a data scientist to keep adjusting the model.

Secondly, when the data quality is not really perfect, it will still be able to create helpful insights for businesses to make decisions.

Also, when the data is coming in, there is no need for us to store, process, and transform it before creating analytics. Instead, AI can stream through neural networks, and the AI engine can pick up the pattern. So you can serve your customers better.

Also, it is capable of handling unstructured data. As a result, we can apply AI in places like image recognition and voice recognition.

Plus, as AI has all of these capabilities, it can be applied to significant areas in financial services. For instance, bank services can use it for real-time marketing, improving their service quality, and understanding their customer's behavior in real-time.

Blockchain Technology:

Next, there is Blockchain technology. In today's time, blockchain technology is becoming a significant part of the fintech industry. Although, blockchain technology is mainly considered as a part of cryptocurrency. But it is not really true.

Instead, blockchain as technology offers many financial services, plus its hash algorithm allows secure data sharing across the industry.


Chatbots are another technology that almost all financial apps are using as it allows businesses to answer their customers' queries quickly. Hence you should also include it in your project as your build fintech app.

Chatbots also offer companies to have human-like conversations with their customers. Also, the best part of chatbots is that they are cost-effective, easily scalable, instantly available to customers, data-driven, and so on.

In the financial sector, chatbots can be of three types:

  •       Informational ones, like they will provide general information, news, or push notifications.
  •       Transactional ones, like they will help the customers to complete transactions.
  •       Advisory ones, like the chatbot will provide information based on customer interactions.

Also, thanks to these abilities, companies can cut their budget for a human customer care team. As they will be able to handle a majority of the customer queries through chatbots only.

Voice Technologies:

Lastly, we are also getting to see the use of voice technologies. It is also one of the popular trends in the fintech app development sector.

Some companies have even started using voice-enabled technologies like Siri, Amazon Alexa, or Google Assistant, so customers can use them to make transactions or get information quicker.

Also, voice commands can help in reducing phone calls, saving time, and assisting organizations to work more efficiently.

Final Words:

So that was all about how to make a fintech app. So I hope you would consider these fintech app development trends when you are going to build your fintech app. In case there is anything you would want to ask, then do comment below.

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“Hi, I am Mohd Zaid Mansoori, a teenage Content Marketer, Designer, Digital Marketer, and Tech Enthusiast from Uttar Pradesh, India. I am a student who is also a freelancer and is working on some Awesome Websites like”