ZaloFintech Software Built for Trust
Secure, compliant, and scalable financial technology β from digital wallets to lending platforms and payment processing.
- Bank-grade security standards
- Regulatory compliance built in
- Real-time transaction processing
Get a Free Consultation
Fill in your details, our experts will contact you within 30 minutes
Free: solution consultation + scope proposal & cost estimate
Get a Free Consultation
Fill in your details, our experts will contact you within 30 minutes
Free: solution consultation + scope proposal & cost estimate
Does any of this sound familiar?
Worried about regulatory gaps at launch
Right before launch, you discover the eKYC flow or data storage doesn't meet what regulators expect.
The system buckles at peak times
Transactions spike on payday or during promotions, the app stalls, and customer trust drops instantly.
Reconciliation is still done by hand
Finance staff match bank statements to system records line by line, so discrepancies surface late.
Bank and payment integrations drag on
Every partner has its own API standard and certification process, and in-house teams stall for months.
Idflow fixes the root cause β with a solution built around the way you actually work.
What We Deliver
Payment Processing
Payment gateways, merchant dashboards, recurring billing, multi-currency with PCI DSS compliance.
Digital Wallets
E-wallets with P2P transfers, QR payments, top-up systems, and KYC/eKYC verification flows.
Lending Platforms
Loan origination, credit scoring, automated underwriting, repayment management, and collections.
Banking & Neo-Banking
Core banking modules, account management, card issuance integration, and Open Banking APIs.
Fraud Detection
AI-powered fraud detection with real-time monitoring, anomaly scoring, and automated blocking.
Compliance & Reporting
AML/KYC workflows, transaction reporting, audit trails, and regulatory compliance modules.
Not sure which solution fits?
Send us a short description of what you need β an Idflow expert will recommend the right approach, free of charge.
Why a custom solution with Idflow?
A quick look at the common options so you can choose right from the start.
Fit to your business processes
Idflow: Built around your workflows
- No-code / ready-made platforms
- Limited to built-in features
- Freelancers
- Flexible, depends on the individual
Data control & security
Idflow: NDA, private infrastructure option
- No-code / ready-made platforms
- Data on a third-party platform
- Freelancers
- Varies by person
Integration with existing systems
Idflow: Deep API integration
- No-code / ready-made platforms
- Via available connectors
- Freelancers
- Possible, harder to scale
Source code ownership
Idflow: Code on your Git, your IP
- No-code / ready-made platforms
- No source code access
- Freelancers
- Depends on the contract
Support & maintenance
Idflow: 12-24 month warranty
- No-code / ready-made platforms
- Per vendor's plan
- Freelancers
- Depends on availability
Our Process
Discovery
Listen to requirements and analyze the problem
- Stakeholder interviews
- Map current workflow
- Define scope & priorities
Design
UX/UI and system architecture
- Interactive wireframes & prototypes
- System & database architecture
- Unified UI design system
Develop
Agile sprints with regular demos
- 2-week sprints, demo each sprint
- Daily code review
- Weekly progress reports
Test
Automated and manual QA
- Automated unit & integration tests
- Manual QA across devices
- UAT with your team
Deploy
CI/CD and go-live
- Automated CI/CD pipeline
- Staging review before go-live
- 24/7 monitoring & alerting
Support
Maintenance and upgrades
- 12-24 month warranty bug fixes
- Feature upgrades on demand
- Continuous uptime monitoring
Discovery
Listen to requirements and analyze the problem
- Stakeholder interviews
- Map current workflow
- Define scope & priorities
Design
UX/UI and system architecture
- Interactive wireframes & prototypes
- System & database architecture
- Unified UI design system
Develop
Agile sprints with regular demos
- 2-week sprints, demo each sprint
- Daily code review
- Weekly progress reports
Test
Automated and manual QA
- Automated unit & integration tests
- Manual QA across devices
- UAT with your team
Deploy
CI/CD and go-live
- Automated CI/CD pipeline
- Staging review before go-live
- 24/7 monitoring & alerting
Support
Maintenance and upgrades
- 12-24 month warranty bug fixes
- Feature upgrades on demand
- Continuous uptime monitoring
Professional delivery process
NDA upfront Β· Code on your Git Β· IP belongs to you
Agile/Scrum 2-week sprints Β· Regular demos Β· Weekly progress reports
12-24 month warranty post launch Β· Continuous technical support
Technologies we use
Frequently Asked Questions
Bank-grade: end-to-end encryption, HSM key management, PCI DSS compliance, penetration testing, SOC 2-aligned.
Yes. Napas, VNPay, Momo, Stripe, and various bank APIs. We handle Open Banking integrations.
Compliance built into architecture: KYC/AML workflows, transaction limits, audit logs, reporting aligned with regulations.
99.9%+ uptime with redundant infrastructure, automated failover, real-time monitoring, and incident response.
MVP payment/wallet: 3-4 months. Full platform with lending and compliance: 6-12 months with iterative releases.
Mainly the product type, how many banks and payment providers you integrate with, compliance and security requirements, and expected transaction volume. A free consultation helps define a sensible MVP scope.
Beyond feature scope, timelines depend heavily on how quickly bank partners provide sandbox access, your acceptance process, and any licensing steps on your side. We work in sprints with a demo at the end of each, so you always know where things stand.
You do. We sign an NDA upfront, the code lives on your Git, the IP belongs to you, and you get a 12-24 month bug-fix warranty after go-live. We're happy to go into detail in a free consultation.
Ready to start your project?
Contact us now for a free quote and consultation from the Idflow team.
Free: solution consultation + scope proposal & cost estimate