# Fintech and Banking Software Development | DevsReady > DevsReady is an EU-based nearshore partner in Romania that builds fintech and banking software with Java, Spring Boot and React: payments, order signing, audit trails, secure advisory tools and accessible digital banking. URL: https://devsready.io/fintech-software-development Last updated: 2026-10-18 Services ## Fintech and banking software development DevsReady builds fintech and banking software for banks, fintech companies and enterprises, using Java, Spring Boot, React, Kafka, Oracle and OpenShift. The team has delivered corporate banking, wealth management and retail banking platforms for some of the largest banks in Europe, and works as an EU-based nearshore engineering partner from Romania. Updated October 18, 2026 ### Who this fintech service is for This service is for CTOs, VP Engineering and procurement teams at banks, fintech companies, enterprises and system integrators looking for a dependable partner to build financial software. It fits teams that want to launch a new digital banking product, extend an existing platform or add senior Java and React engineers. DevsReady is a boutique company led by its founder, Emanuel Neculai, a software architect who still works hands-on and brings over 12 years of experience in finance, banking and high-traffic systems. ### Typical use cases What DevsReady builds for banks and fintech companies, taken from platforms the team has delivered for major European banks: - **Corporate digital banking :** Payments and transactions, direct debit, a virtual branch and secure order signing for corporate clients, with a full audit trail. [Case study](https://devsready.io/case-studies#next-generation-corporate-banking-platform) - **Remote advisory for wealth management :** Video meetings and secure document sharing between clients and their advisors. [Case study](https://devsready.io/case-studies#secure-remote-advisory-platform) - **New features on a live platform :** Evolutive maintenance of a banking platform that must stay stable, secure and compliant while it changes. [Case study](https://devsready.io/case-studies#retail-banking-platform) - **Accessible digital banking :** WCAG-compliant components with screen reader and keyboard support. [Case study](https://devsready.io/case-studies#accessibility-compliance-digital-banking) ### What we deliver for banks and fintechs DevsReady delivers production banking functionality. The modules below come from platforms the team has built for major European banks. - **Payments and transactions :** Secure handling of high-volume financial operations. - **Direct debit :** Agreements and requests that automate recurring payments. - **Virtual branch :** Digital forms created dynamically by the bank for its clients. - **Order signing :** Secure authorization and execution of financial orders. - **Back-office workflows :** Task and process management that streamlines the work of bankers. - **Activity logs :** A full audit trail for transparency and compliance. - **Remote advisory :** Video meetings and secure document sharing for wealth management clients and advisors. ### How we de-risk your fintech project For a financial institution, choosing a vendor is a risk decision first. DevsReady reduces that risk in concrete steps. - **Discovery conversation :** Before any commitment, you discuss your goals, existing systems and constraints with the engineers. - **NDA before details :** An NDA can be signed before you share project details. - **Free proof of concept :** Built at no cost when you choose to move forward, going from signed contract to working prototype in about one month. - **Written contract :** A master services agreement with statements of work, with code and IP ownership agreed in writing before work starts. - **End-to-end ownership :** Every engineer owns their code from design to deployment and production monitoring, and no untested code goes to production. - **AI reviewed by engineers :** Every architecture decision and every line that reaches production is reviewed and owned by an experienced engineer. ### How we work: four engagement models Banks and fintechs can engage DevsReady in four ways. - **Proof of concept :** Validate a product idea and the team before committing to the full project. - **Full development team :** Business analysts, software engineers and QA specialists taking the project from discovery to production. - **Staff augmentation :** Engineers who join your team inside your workflows and tools. - **Architecture and migration :** Architects who design a new system or modernize a legacy one. ### Technologies for fintech and banking systems The core stack is Java, Spring Boot, Quarkus, React and Angular. On banking projects the team has worked with Spring, Kafka, Elasticsearch, Logstash, REST APIs, Oracle Database, Oracle Golden Gate, WebRTC, WebSockets, ActiveMQ, OpenShift and Docker. ### Security, compliance, audit trails and accessibility The team builds for major European banks, where strict security, performance and regulatory compliance are part of every release. Its work includes secure order signing, full audit trails and secure exchange of sensitive financial documents. Under DORA and PSD2, the obligations belong to the bank or payment institution, and it extends the relevant requirements to suppliers through its contracts and vendor due diligence. DevsReady follows the security rules, environments and processes you set, and the GDPR applies to it as an EU-based company. Specific controls are reviewed in your vendor assessment. The team also made the digital applications of a large European bank accessible to users with disabilities, with WCAG-compliant UI components and support for screen readers and keyboard access. ### Why an EU-based nearshore partner in Romania Because Romania is an EU member state, DevsReady and its EU clients operate under one legal framework, the GDPR included. Engagements with international clients are run in English. The team works on Eastern European Time (UTC+2, UTC+3 in summer). That is one hour ahead of Central European Time and two ahead of the UK, so most of a UK or continental working day is shared. With the US East Coast, seven hours behind, the overlap is the US morning and the Romanian afternoon. ### Proof: banking case studies Four case studies show this work for European banks: Next-Generation Corporate Banking Platform (corporate internet banking with client and banker modules), Secure Remote Advisory Platform (remote consulting for wealth management), Retail Banking Platform (evolutive maintenance across the CEE region) and Accessibility Compliance for Digital Banking. Client names are kept confidential. ### Related case studies - [Next-Generation Corporate Banking Platform We developed a comprehensive internet banking platform for corporate clients of one of Europe's largest banks. Read the case study](https://devsready.io/case-studies#next-generation-corporate-banking-platform) - [Secure Remote Advisory Platform For the wealth management division of a major European bank, our custom software development company built a video conferencing solution designed for secure and efficient client-advisor interactions. Read the case study](https://devsready.io/case-studies#secure-remote-advisory-platform) - [Retail Banking Platform We provide evolutive maintenance for the web platform of one of Europe’s largest banks - the platform that powers the retail banking experience for the group’s banks across the CEE region. Read the case study](https://devsready.io/case-studies#retail-banking-platform) - [Accessibility Compliance for Digital Banking We supported a large European bank in making its digital applications fully accessible to users with disabilities, ensuring compliance with international accessibility standards. Read the case study](https://devsready.io/case-studies#accessibility-compliance-digital-banking) ### Frequently asked questions #### Has DevsReady built payments and order signing for a bank? Yes. For one of the largest banks in Europe, DevsReady built a corporate banking platform with payments and transactions, direct debit, a virtual branch, secure order signing, task management and activity logs with a full audit trail. #### How does DevsReady handle DORA, PSD2 and GDPR requirements? DORA and PSD2 obligations belong to the financial institution, which passes the relevant requirements to suppliers through contracts and vendor due diligence. DevsReady works inside the security rules, environments and processes you define, and works under the GDPR as an EU-based company. The specific controls are discussed in your vendor assessment. #### Can we sign an NDA before sharing details about our platform? Yes. An NDA can be signed before you share any project details, and confidentiality is standard in DevsReady banking work. #### Who owns the code DevsReady writes for our bank? Code and IP ownership is written into the contract before work starts. For custom software, the common arrangement is that your institution owns the code and IP built for it. ### Questions buyers ask Direct answers on how an engagement starts, what drives the cost, contracts and support. Prices are quoted per project after a discovery call. #### Which engagement model fits a fintech product? It depends on who should own delivery. A dedicated team owns the product from discovery to production, a fixed scope suits a well-defined module, and staff augmentation adds engineers to a team you already lead. #### How much does fintech software development with DevsReady cost? Each project is quoted individually, because the cost depends on the scope, the engagement model, the seniority mix, the team size and the duration. You receive a quote after a discovery call, and the proof of concept is free when you continue with DevsReady. #### What happens after a fintech platform goes live? DevsReady can stay on to keep the platform evolving, as it does for a live, multi-country retail banking platform. The scope of support, response times and hours of cover are agreed in the contract for each engagement. More answers on engagement models, cost, time zones, compliance and IP ownership in the [nearshore FAQ](https://devsready.io/faq). ### Planning a project like this? Tell us about your goals, your systems and your constraints. You will talk directly with the architect who would lead the work. [Book a discovery call](https://devsready.io/#contact)[contact@devsready.io](mailto:contact@devsready.io) BOUTIQUE SOFTWARE ENGINEERING - [Fintech software](https://devsready.io/fintech-software-development) - [Banking software](https://devsready.io/banking-software-development) - [Payments](https://devsready.io/payment-systems-integrations) - [Java modernization](https://devsready.io/application-modernization) - [Case studies](https://devsready.io/case-studies) - [FAQ](https://devsready.io/faq) - [Community](https://devsready.io/community) - [Careers](https://devsready.io/join-us) - [devsready.ro](https://devsready.ro/) Iuliu Maniu Boulevard 13D, Bucharest Romania [contact@devsready.io](mailto:contact@devsready.io) | [+40 735 891 972](tel:+40735891972) © 2026 DevsReady - All Rights Reserved.