Back-End Development Services for Rock-Solid FinTech Apps

The must-have checklist for FinTech products involves many elements, but optimal technology stack for back-end development is always indispensable.
With an expert team at Code & Pepper, you can be sure your app runs smoothly on the inside and outside.

Back-end development company on the front line of the FinTech revolution

Back-end does to applications what back office does to businesses: it ensures dynamic data flow and smooth operation of all customer-facing elements. In other words, without a solid base of server-side code and database management, user interface is helpless and cannot process any incoming requests. That’s why, although invisible to users, back-end development has direct impact on application performance, security, and the overall user experience. Most of system architecture and application logic is also rooted in the back-end and, as such, it forms the foundation of a solid development process.

Understanding the role of back-end in FinTech software development requires in-depth knowledge of financial processes and technological mastery to digitize them. That’s why joining forces with a seasoned back-end development company gives you a unique competitive advantage. From designing and building MVPs to refining and optimising existing systems, Code & Pepper can become your strategic back up. Additional benefits include product development agility and best software engineering practices, such as Continuous Integration, Continuous Deployment, and Infrastructure as Code (together with tools like Terraform or CloudFormation).

Back-end development services by Code & Pepper

Back-end for Web

Your web application deserves not only the best UX and UI money can buy, but also a robust back-end to boost performance and functionality.

Back-end for Mobile

Hesitating between native and Progressive Web App development? With Code & Pepper, your application will get a head start on all devices.

API Integration

Using RESTful, GraphQL and gRPC APIs, our experts will create optimised endpoints for smooth communication between software components.

cloud-infrastructure Created with Sketch.

Cloud Deployment

With the right deployment model, switching to cloud-based infrastructure can be a cost-effective step towards better scalability.

Better scalability and performance? It’s possible!

Team up with our back-end developers and software architects to make your FinTech product more robust and reliable.

Technology stack for back-end development


Mobile app development with extra focus on back-end code structure

NoMo app is a slick mobile solution for personal finance management created by DirectID (formerly The ID Co.) — a UK-based leader in open banking and a long-term client of Code & Pepper. With NoMo, users receive custom recommendations for daily spending limits and can closely monitor their financial performance. Banking jargon is replaced by personalised in-app communication, helping users adopt healthier spending habits in a motivating and playful manner.

Code & Pepper was tasked with complex refactoring of the application. Hexagonal architecture was implemented to achieve better support for cloud infrastructure, while rewriting back-end code using .Net enabled seamless integration with Open Banking API and easier maintenance. A dedicated iOS developer gave NoMo an extra performance boost by fixing issues with Objective-C.
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16 banks connected

3 assistant personalities to choose from

3 months of data used for cash-flow analysis

Client testimonials

James Varga CEO and Founder at DirectID (The ID Co.)

We value Code & Pepper for their proactive attitude, responsiveness and transparency. It’s a reliable and dependable company that we can recommend for other business entities to cooperate with.

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Duncan Campbell Head of Product at Oathello

Code & Pepper provided an impressive level of service outside the original scope of requirements. At no additional charge, they proactively redesigned the product to enhance the final version. They took on the bulk of project management responsibilities and facilitated an open line of dialogue throughout.

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Aurélien Bonnel CTO at TradeCrediTech (Nimbla)

Code & Pepper provides high-quality, reliable code and designs. Flexible, responsive, and dedicated to client satisfaction, working with their team continues to add a lot of value to the business overall.

See case study

Back-end security in FinTech products

As far as code is concerned, software back-end is where the magic happens. However, this behind-the-scenes environment is also the first line of defence against cyber attacks. Security breaches and data leaks are among the biggest threats affecting both business owners and end users. This is what places back-end system development at the centre of an effective security policy and risk management. Implementing adequate authentication protocols, access control and tools for safeguarding sensitive data are just a few in a series of necessary steps towards regulatory compliance. Once your FinTech company reaches that point, there is nothing stopping you from leveraging back-end software development to win customers’ trust and deliver supreme user experience.

Custom approach to back-end system development


Scrum is our go-to method for effective collaboration, but for small projects — up to 3 months — we may also switch to Kanban. Whatever the scope, the team uses proven measurement techniques (i.e. scoping by story points, story points burndown per sprint) to determine development velocity and plan reliably.


Before the team can roll up their sleeves to start coding, we need to define both functional and non-functional product requirements. To understand the product inside out, we define the scope of work, establish acceptance criteria, and prepare UI/UX design in the form of mockups and visuals.

Development process

Features of your application are thoroughly checked and analysed from all angles using top industry practices. These include: multiple types of tests, code reviews, Continuous Integration, and Continuous Deployment. Thanks to smart resource reallocation, you can scale your team size according to the current needs.


Code & Pepper developers are skilled in a number of technologies best suited for back-end software development. Flexible development plans enable us to support you with different technologies in optimal proportions — we can engage a team member part-time or full-time, depending on the demand.

One team policy

From day one, you can expect full transparency. Every resource produced by Code & Pepper in connection with the project will be shared with you, including code repository, team members’ timesheets, budget flow, risk logs, and source graphic files. Open communication is key: both on the client and team side.

Our clients are backed by industry leaders

14 years on the market

70+ team members

4.6 score on Clutch

Empower your team with back-end talent

Make the most of your innovation potential with a team of dedicated software engineers.

Need anything else? We have your back.