Understand before we build
We stay on the problem until your operations lead recognises their own process in what we wrote down.
Custom fintech software development
Custom-built technology for brokers, funds, and banks.
We build financial software for brokers, fund administrators, AMCs, banks and NBFCs. It starts with the process you want to replace and ends with a platform your team runs.
Fintech software development · Fintech app development · Custom financial systems
Built for financial businesses. Trusted with real work.
We have built and delivered financial products and systems for companies including:
Our work has included fund accounting, ETF platforms, broker channel applications, investment products, and financial business applications.
$1B+Transactions processed on platforms we've built
92%Client retention across fintech engagements
3Regions served: USA, EU and UAE
What we do
Financial software built around your business.
A licensed product asks your desk to work the way the vendor designed it; we start from the process you already run. Those first weeks go on writing that process down, in the order the work happens. The systems we take on, and how one build runs, are set out on our fintech software development page.
Fintech Software Development
Custom financial software for brokers, funds, AMCs, banks and NBFCs, built around the process you want to replace.
Explore fintech software development →
Fintech App Development
Customer apps, adviser portals and internal tools for financial businesses, on web and mobile.
Explore fintech app development →
Fund Accounting Software
Fund accounting systems covering positions, accruals, capital activity, investor allocations and the monthly NAV close.
Learn about fund accounting development →
Brokerage & Investment Platforms
Technology for brokerage and investment businesses: products, transactions, customers, partners and the operations behind them.
Explore brokerage software development →
ETF Management Software
ETF operations software: schemes, NAVs, purchases and redemptions, compliance information, fact sheets and performance reporting.
Explore ETF software →
Financial Business Applications
Applications for internal operations, employee workflows, reporting and partner management, built around the process your team runs today.
Explore partner app development →
Who we work with
Technology for the people who run financial businesses.
The clients are brokers and their trading desks, funds and fund administrators, AMCs running ETFs, banks and NBFCs, and the distributors in their channel networks. In each of them technology is where the orders and the books are produced, not a support function. That is the part of the business we build.
Brokers
Brokerages where the exchange and custodian connections work, and the internal layer between them is what needs rebuilding.
Mutual Funds & AMCs
AMCs and mutual fund houses whose product, distribution and reporting systems were bought separately and now disagree.
AIFs & Fund Businesses
AIFs and closed-end funds where capital calls, fee calculations and investor reporting follow terms a generic product will not model.
Fund Accounting Teams
Fund accountants who must reproduce any figure months later for an auditor, which two open spreadsheets cannot prove.
Banks & NBFCs
Banks and NBFCs building around a core banking platform that stays: onboarding, approvals and the internal tools beside it.
Why Latent
We don't sell you a product. We build yours.
Financial software is not in short supply; almost any function can be licensed. What we get is the process no product covers, the one sitting between two systems or running across a partner network. If your requirement fits a licence you already own, we will say so rather than bill you for a build.
Build around your workflows
Your naming, your approval rules and your month-end calendar stay as they are; the software learns them.
Work with your team
We work inside your backlog and your tools, and your team decides what the next increment covers.
Stay beyond launch
Handover ends with your developers deploying and releasing on their own, without us on the call.
Proof
We've built the kind of software we're talking about.
The names on this page are clients, not a logo wall: Upstox, Motilal Oswal AMC, Fintent, Parrot Finance and Saudi National Bank. Each had a system we built and a team that runs it today. Read what the problem was before the work.
Broking
Upstox
A mobile application for broker channel partners
Partner operations
Network performance insights
Mobile application
Asset management
Motilal Oswal AMC
An ETF platform built around the investment business
ETF management
Transactions
Compliance
Fund accounting
Fintent
A fund accounting system Fintent owns, built from scratch
Built from scratch
Dedicated technology team
Code handed over
Social investing
Parrot Finance
Rebuilding a social investing platform
Product design
Web application
Mobile application
Banking
Saudi National Bank
An employee mobile application
Employee application
Mobile experience
Integration with existing systems
How we work
From business problem to working product.
A build runs in six steps and only some of them are code; the rest is the workflow itself, the integrations and the review before launch. We stay involved once it is live, because that is when the awkward cases surface. Handover is planned from the first sprint, not offered at the end.
- 01
Understand
Sessions with the people who run the process, and the exceptions written down beside the happy path.
- 02
Plan
You approve a written scope with the screens, the data and the acceptance checks, before the build starts.
- 03
Build
Two-week cycles, and the code lives in your repository from the first week.
- 04
Launch
We run the new system beside the old one until both agree, then cut over on a date you choose.
- 05
Improve
After launch, we keep taking the small changes, while your team takes more of the releases each month.
How an engagement compounds
Product maturity · engagement timeline
“Technology is the tool. Your financial business is the point.”
We don't believe the goal of a software project is to produce more software. The goal is to help your business work better.
That could mean replacing a manual process, building a new financial product, giving your partners better tools, improving how your operations team works, or creating a system that simply does not exist off the shelf.
We bring the technology expertise. You bring the business knowledge. Together, we build something that fits.
Questions
Fintech development, answered
How does a project with Latent start?
It starts with the process you want to replace, not a feature list. We ask what fails today and who signs the figures off, then write that down. Nothing is quoted until the document exists.
How long does a build take?
Scoping sets the schedule, not the reverse, and two things drive it: how many systems have to be integrated, and how settled the workflow is. After that, work ships in two-week increments, so you see a running build every fortnight.
Do you provide ready-made fintech software?
No. Latent is a product engineering firm, so there is no package or licence to buy. Every engagement produces software written for one client's process.
Who owns the code at the end?
Your organisation owns it, and the transfer is the default rather than a negotiation. Handover covers the repository, the deployment process and the documentation, so your team can change the system without us. Parrot Finance took ownership of a platform rebuild that way.
Which regions do you work in?
Clients are in the USA, the EU, the UAE, India and GIFT City, and delivery is remote in each case. Calls sit inside your working day, and procurement or compliance review is scheduled from the first sprint.
Do you build both web and mobile applications?
Yes. Web work is ReactJS and Node.js on AWS, and mobile apps are built in React Native. Upstox's channel partner app is one mobile build; the ETF platform for Motilal Oswal AMC is a different kind of system.
Can you work with our existing technology?
Yes, and much of that work is integration rather than replacement: custodian feeds, identity systems such as Oracle IAM, market data through Front API. We argue for replacing a working system only when that is cheaper than keeping it.
Have a financial product that doesn't fit an off-the-shelf solution?
Tell us what you are trying to build. We'll understand the business problem, look at what already exists, and help you work out what should be built. No obligation. Just a conversation about what you need.
Talk to our team →