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
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Get a Free Consultation
Fill in your details, our experts will contact you within 30 minutes
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.
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.
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
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.
Ready to start your project?
Contact us now for a free quote and consultation from the Idflow team.