From what I’ve seen, the cost really depends on several factors. Complexity of features, level of security, integration with banking systems, and regulatory compliance all play a big role. The more advanced and secure the app needs to be, the higher the investment. Even design and user experience can affect costs because a smooth, intuitive interface often requires extra development time.

There’s a helpful guide that explains how fintech app costs are calculated and what factors influence them most: https://weelorum.com/blog/fintech-mobile-application-development-features-challenges-and-cost/. It gives a clear overview of budgeting for functionality, security, integrations, and compliance, which is useful if you’re planning a project.

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