Fintech & insurance
Financial software that is fast, clear and secure
Navelo Software designs and builds fintech and insurance software: payment and invoicing apps, lending and wealth dashboards, claims platforms and finance back offices. Security, audit trails and regulatory requirements are part of the design from the first sprint.
Overview
Money products are judged on trust. Users expect instant, accurate numbers, clear fees and security that never gets in the way, and regulators expect controls and records you can prove.
We build the customer-facing experience and the operational systems behind it: reconciliation, approvals, reporting and the integrations with banks, payment providers and accounting tools.
The problem
What makes this sector hard.
01
Security and fraud
Accounts, payments and personal data are constant targets.
02
Regulation
KYC, AML, data protection and local financial rules shape every flow.
03
Accuracy at scale
Ledgers, balances and reports must reconcile to the cent.
04
Legacy integrations
Banks, core systems and insurers often expose dated or batch interfaces.
05
Explaining complex products
Fees, risk and cover need to be understandable to ordinary users.
What we build
How we solve it.
01
Payments and invoicing
Invoices, payment links, subscriptions, refunds and payouts through regulated providers.
02
Onboarding and KYC
Identity verification, document capture and risk checks with clear status for users.
03
Ledgers and reconciliation
Double-entry records, automated matching and exception queues for finance teams.
04
Claims and policy platforms
First notice of loss, document intake, triage, assessment and settlement workflows.
05
AI for finance operations
Document extraction, anomaly detection and drafting, with human approval and audit logs.
06
Dashboards and reporting
Real-time balances, cash flow, portfolio and regulatory reports.
Proof
Our work in this space.
These are Navelo Software concept builds, not client projects: a small-business invoicing and payments app, an insurance claims platform, an ERP with a finance module and an AI document agent for accounts payable.
TallyoFintech · Mobile App · iOS & Android · ConceptInvoicing, payments and tax for freelancers and small businesses.
ClaimpathInsurance · Claims Platform · Web · ConceptClaims intake, assessment and settlement for insurers, with explainable AI.
LedgerwiseERP · Web · ConceptOne ERP for stock, purchasing, production and finance.
DocuviaAI · Document Automation · Web · ConceptAI that reads invoices, checks them and posts them.
Compliance & data
Rules we design around.
- PCI DSS
- Card data handled by certified payment providers so it never touches your servers.
- KYC & AML
- Verification and monitoring flows built with your compliance team and chosen providers.
- GDPR, DPDP Act & similar
- Consent, minimisation, retention and data-subject rights designed in.
- Audit trails
- Immutable logs of who changed what and when, for internal and external audit.
- Strong customer authentication
- Passkeys, biometrics and step-up authentication for sensitive actions.
This is a summary of how we approach these requirements, not legal advice.
FAQ
Common questions.
Can you build a PCI-compliant payment flow?
Yes. We integrate certified payment providers such as Stripe, Razorpay or Adyen so card data is tokenised by the provider, which keeps most of your system out of PCI scope.
Do you build insurance software?
Yes: policy administration screens, claims intake and triage, document processing, assessor workflows and customer portals.
Can AI be used safely in financial workflows?
Yes, for well-defined steps such as extracting invoice data, matching transactions or drafting summaries, with confidence thresholds, human approval for payments and a full audit trail.
How much does fintech software development cost?
It depends on scope, integrations and compliance needs. After a short discovery conversation we send a written scope with a fixed quote and timeline. Get a quote.
Related services
- iOS and Android apps designed, built and launched end to end — one team, both platforms.Mobile App Development
- SaaS products, CRMs and internal tools built around your real workflows.Custom Software & SaaS
- Process mapping and automation across your tools, combining rules, AI and human approvals.AI Automation & Workflows
- Secure backends, APIs, integrations and cloud infrastructure that scale with you.Backend, APIs & Cloud
Work with us
Building in fintech & insurance? Talk to us.
We reply within 24 hours. Bring your requirements, your constraints and your deadline — we'll bring what we learned shipping in this space.