AI Software Development & Custom AI Solutions for Businesses

AI-Based Neobank App Development Company

As a leading neobank app development company, we build custom digital banking platforms enhanced with AI for smarter fraud detection, faster onboarding, and personalized financial insights. Our solutions deliver strong security, seamless performance, and full compliance to help you launch a modern neobank that users trust.

Trusted Software Development Company By

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Certified Neobank App Developers By

Our Custom Neobank App Development Services

Mobile Banking Software Development

Mobile banking applications are designed for a fast, secure, and easy-to-use manner. Users experience seamless onboarding, immediate transactions, live notifications, and AI-related financial insights.

eWallet App Development

Our team creates custom ewallet solutions that support quick payments, P2P transfers, bill payments, loyalty programs, and multi-layer security for safe digital transactions.

Payment App Development

High-performance payment platforms with fast processing, scalable architecture, and seamless integrations with essential banking and fintech APIs.

Fintech App Development

Fintech apps are developed using modern tech, AI automation, and strong compliance frameworks. The result is a reliable financial application tailored to your business model.

Money Transfer App Development

Our money transfer solutions include international remittances, multi currency support, automated KYC checks, and instant settlements to deliver a smooth transfer experience.

Loan Management Software Development

Loan management platforms are designed to simplify the complete lending cycle with credit scoring, risk evaluation, repayment tracking, and AI-based decision support.

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Arrange a Call with an Expert Neobank App Developer

Are you looking for the best neobank app development in India and the USA?

Connect with our experienced neobank developers to get clear guidance, technical insights, and a tailored roadmap that fits your digital banking vision and business goals.

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We’re an AI-powered Neobank App Development Company

We’re an AI-powered neobank app development company that builds digital banking platforms with real-time transaction monitoring, automated onboarding, intelligent fraud detection, and smooth payment flows. Our solutions support card issuance, wallet systems, lending workflows, and advanced analytics for user-level financial insights.

At Citrusbug, we integrate with modern core banking engines, KYC and AML providers, payment processors, and risk scoring APIs to deliver a compliant and highly reliable neobanking ecosystem. We ensure every module meets strict security standards and supports rapid scale.

Our team can assist you in building a future-oriented neobank that uses AI-based automation, customized recommendations, and efficient operations. The outcome is a secure, high-performance digital banking experience aimed at long-term growth.

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Core Features of Our Neobank App Development Solutions

01

AI-Driven Onboarding

AI-based onboarding with instant ID verification, OCR, biometric verification, and automated fraud detection. This can assist your neobank app to minimize drop-offs, accelerate approvals, and ensure high compliance, without manual delays.

02

Real-Time Transaction Processing

Our neobanks platforms facilitate instant payment, transfer, deposit and settlement with trusted API coordination and event-driven architecture. This ensures high-volume performance and a smooth digital banking experience for end users.

03

Card Issuance and Lifecycle Management

Enable both virtual and physical card issuance with PIN setup, spending controls, real-time card tracking, and instant freeze or unfreeze options. Ideal for neobank app development that demands full card ecosystem support.

04

AI-Powered Fraud Detection

Machine learning algorithms process the transaction patterns, user behavior, and device indicators to identify anomalies in real-time. This adds a crucial protection layer to your neobank app and reduces financial risks.

05

Personalized Financial Insights

Offer customers AI-generated budgeting, spending classification, savings suggestions, and anticipated alerts. These smart functions enable your neobank platform to provide a more interactive and value-driven digital banking experience.

06

KYC and AML Automation

Seamless integration with top-tier KYC, AML, and identity verification systems ensures full compliance for every user. Automated checks can reduce the number of manual reviews and enable the neobank app to scale faster.

07

Multi-Currency Wallet and Payments

Offer secure multi-currency wallets, P2P transactions, bill transactions, QR payments, and contactless payments. This plays a vital role in global-ready neobanking and fintech applications.

08

Comprehensive Admin Dashboard

The admins receive role-based access, customer management tools, transaction logs, risk monitoring, chargeback management, and performance analytics. This enables teams to control and manage the whole neobank ecosystem in a clear and controlled manner.

09

Scalable Cloud Native Architecture

A containerized and cloud-optimized base allows your neobank application to grow to thousands to millions of users. Your platform is future-ready with high availability, robust security structures and rapid deployment cycles.

How Much Does it Cost to Develop a Neobank App?

The cost of developing a neobank app is estimated at $80,000-$250,000+, depending on features, compliance requirements, AI functionality, and third-party integrations.

Share your requirements, and we’ll provide a precise, customized estimate for your neobank platform.



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    Advanced Technologies Powering Modern Neobank Apps

    The AI, cloud computing, biometrics and real-time processing are the driving forces behind the modern neobank applications, which are designed to deliver a smarter, faster, and safer digital banking experience that can respond to customer needs.

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    Artificial Intelligence and Machine Learning

    AI powers smarter onboarding, transaction scoring, real-time fraud detection, personalized insights, and automated customer support. ML models continuously learn user behavior to deliver a secure and intuitive banking experience.

    Blockchain and Secure Ledger Technology

    Distributed ledger systems enhance the level of transparency, eliminate data tampering, and improve transaction traceability. Best suited to neobanks that value safe audits and quick and dependable settlements.

    Biometric Authentication

    Face ID, fingerprint scans, and behavioral biometrics provide fast and frictionless authentication and minimize the potential of account takeovers and credential theft.

    Cloud Native Infrastructure

    Cloud systems improve scalability, uptime and deployment. Your neobank app expands thousands to millions of users without any performance drops.

    Open Banking and API Orchestration

    The secure APIs allow connecting to banks, fintech tools, payment providers, and third-party services with ease. This is the foundation of a modern neobank ecosystem.

    Real Time Data Processing

    Event-driven architecture facilitates instant payment, real-time transaction updates, live notifications, and balance synchronization to provide a responsive digital banking experience.

    Robotic Process Automation

    RPA can be used to automate repetitive back-office functions such as KYC checks, reconciliation, ticket routing, and compliance processes to enhance precision and minimize workloads.

    End-to-End Integrations for Modern Neobank Apps

    A modern neobank application is based on the seamless connection with banking APIs, verification partners, payment programs, and analytics software. Such connections guarantee accelerated onboarding, real-time updates, and an integrated flow of digital banking.

    • Core Banking Integrations

      Real-time integration with current core banking systems on account creation, ledger updating, interest, and correct financial transactions in various channels.

    • KYC and AML Integrations

      Automated identity verification, document verification, and risk grading with the foremost KYC and AML service providers to accelerate onboarding, compliance, and manual work.

    • Payment Gateway Integrations

      Support for card payments, UPI, bank transfers, and recurring billing with secure and scalable payment gateways optimized for high-volume users and smooth payment experiences.

    • Card Issuing and Processing Integrations

      Smooth connection with card issuing partners to enable virtual and physical cards, spending controls, instant freeze options, and real-time card activity updates.

    • Fraud and Risk Engine Integrations

      Fraud scoring, machine learning behavioral analysis, and machine learning device fingerprinting, which identify anomalies early, lower the financial risk, and protect the overall operation of the platform.

    • Analytics and BI Integrations

      Powerful analytics to monitor transactions, user behavior, performance KPIs, and risk patterns so you can make informed decisions and streamline banking operations.

    Process We Follow for Neobank App Development

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    Discover

    We start with your vision of a neobank, regulatory requirements, target audience, and desirable functionality. Our team performs intensive market research, competitor analysis, and technical discovery to design a clear roadmap toward developing a secure and scalable neobank application.

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    Design

    We create user-friendly onboarding, transaction, cards, wallets and account management experiences. Each screen is designed to be easy, quick, and reliable and contribute to the distinctive visual appearance of your neobank platform.

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    Build

    We have a team of engineers who develop your neobank solution based on the latest technologies, artificial intelligence, real-time processing, and secure API integrations. The outcome is a trusted, adhering and high-performance neobank application that suits your requirements.

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    Develop

    Our neobank app is developed by an iterative process that guarantees quality, compliance, and perfect performance. Ongoing advancements, intensive testing, and after-sales services enable your neobank to grow confidently.

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    Why Choose Citrusbug Technolabs as Your Neobank App Development Agency?

    Our neobank app development services are rated 4.7 on Clutch with 30+ client reviews, and we’re a top-rated plus agency on Upwork. We proudly maintain a 97% job success rate and have successfully delivered 500+ projects, showcasing our commitment to quality, reliability, and client satisfaction.

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    Transparency and Integrity

    We keep the entire neobank app development process clear and traceable. All project data, workflows, and IP remain protected through strict NDA policies and secure access controls.

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    On-Time Delivery

    Our team follows structured sprints, defined milestones, and disciplined planning to keep your neobank project on schedule while maintaining development quality.

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    Cost Efficiency

    We optimize development through scalable architecture, reusable components, and cloud-ready practices that help reduce overall project cost without affecting performance.

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    Strong Technical Expertise

    Our developers work with modern fintech architectures, secure API integrations, real-time features, and AI-driven capabilities to build reliable and compliant neobank applications.

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    Quality Assurance at Every Stage

    Each module goes through systematic testing to confirm functionality, security, load performance, and consistent user experience before the product goes live.

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    24x7 Support

    You get dependable support throughout the project lifecycle. Our team stays available for updates, issue resolution, and improvements whenever required.

    Client Testimonials (We're Rated 4.7 on Clutch)

    Project

    Citrisbug Technolabs developed a native mobile app, working with an existing backend structure to implement the API and construct the frontend. They continue to maintain this app for their client.

    client Image
    Rui W (Rae) icon

    Co-Founder

    Review

    I appreciate them being committed to responding to our problems whenever we call upon them.

    • icon
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    Project

    Citrisbug Technolabs developed a native mobile app, working with an existing backend structure to implement the API and construct the frontend. They continue to maintain this app for their client.

    client Image
    Rui W (Rae) icon

    Co-Founder

    Review

    I appreciate them being committed to responding to our problems whenever we call upon them.

    • icon
    • icon
    Project

    Citrisbug Technolabs developed a native mobile app, working with an existing backend structure to implement the API and construct the frontend. They continue to maintain this app for their client.

    client Image
    Rui W (Rae) icon

    Co-Founder

    Review

    I appreciate them being committed to responding to our problems whenever we call upon them.

    • icon
    • icon
    Project

    Citrisbug Technolabs developed a native mobile app, working with an existing backend structure to implement the API and construct the frontend. They continue to maintain this app for their client.

    client Image
    Rui W (Rae) icon

    Co-Founder

    Review

    I appreciate them being committed to responding to our problems whenever we call upon them.

    • icon
    • icon

    Some Top Fintech Software We Developed

    CICADA

    Cicada is a trading platform designed for individuals and organizations to trade securities such as stocks, bonds,futures, and options. It provides users with a user-friendly interface that is easy to navigate, even for beginners. It is a comprehensive trading platform that offers a range of features and tools to help traders of all levels make informed investment decisions easily and interactively.

    Learn more icon
    CICADA
    Padelmates

    PadelMates is a comprehensive sports booking app catering to racket sport enthusiasts worldwide. Designed to streamline the booking process, it offers users the convenience of booking courts, matches, training sessions, and tournaments at their preferred venues effortlessly. Whether it's padel, tennis, badminton, pickleball, or squash, PadelMates provides a seamless platform to connect venues and players, ensuring maximum playing time and enjoyment.

    Learn more icon
    Padelmates
    Otter-finance

    Otter, a European fintech solution, lets users leverage their assets for liquidity without selling them. With user management, dashboards, investment tools, and product management, Otter simplifies finance. Manage profiles, documents, KYC, and settings effortlessly. Support for multiple languages and newsletters keeps users informed and connected.

    Learn more icon
    Otter-finance
    Profit Frog

    Profit Frog is a budgeting and forecasting software tailored for small businesses, aiming to alleviate uncertainty and empower informed decision-making. By enabling users to model future profitability and analyze various scenarios, Profit Frog facilitates the creation of dynamic business plans that adapt to changing conditions. With a focus on simplicity, clarity, and actionability, Profit Frog transforms the complex task of financial forecasting into an intuitive and accessible process.

    Learn more icon
    Profit Frog
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    VIEW ALL

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    FAQs on Neobank App Development

    The development of the neobank app is the creation of a completely digital banking application which allows users to open accounts, pay and control money, as well as use financial services without physical branches.

    A reliable development firm must offer end-to-end development services, including UI/UX, front and back end development, cloud setup, integration with other applications and tools, compliance, quality assurance, as well as ongoing and post-sale support. They must also be transparent about schedules and deliverables.

    A baobank MVP generally takes 4 to 6 months to develop, while a full-scale neobank platform with advanced features such as KYC, AI, cards, integrations, and analytics takes 7 to 12 months, depending on your project complexity.

    The average price to build a neobank application is between $80,000 and $250,000 or even more.
    An MVP ranges from $80,000 to $150,000 and a feature-rich neobank platform with AI, compliance and real-time banking flows can be between $150,000 and $300,000 and more, depending on scope and integrations.

    Our neobank app relies on AI to automate onboarding checks, identify suspicious activity, provide user spending information, enhance customer support through chatbots, and optimize the credit or risk analysis. We apply AI where it would provide measurable value to the banking experience.

    When selecting the neobank app development company to develop your project, seek their experience in fintech development, reviews on Clutch and Google, understanding of compliance, current security practices, skills to integrate APIs, and experience with scaling financial products. A clear procedure and open communication also demonstrate reliability. You can even ask for free demos before starting over.

    Yes. We offer after-launch services, such as monitoring, bug fixes, feature improvements, performance optimization, and integration or platform updates assistance to ensure your neobank is running smoothly.

    A secure neobank should include such features as onboarding and KYC, account management, transaction processing, card management, budgeting tools, AI-based insights, fraud monitoring, and robust authentication systems.

    Still have a question?