Finance & fintech — Smarterapps Ai
Finance & Fintech AI Apps
Secure apps, portals and AI automation for lenders, brokers, advisers, accountants and fintechs — faster onboarding, fewer manual checks and better client experiences.
What we build
Financial software that clients trust.
Financial services are document-heavy and highly regulated. We build secure software that automates the routine and keeps a clear audit trail.
01 — Clients
Secure iOS, Android and web apps for onboarding, document upload, e-signing, statements and messaging.
02 — Onboarding
Digital Onboarding
Guided application flows that collect the right information first time, with integrations to identity verification providers.
03 — Documents
AI that extracts and validates data from payslips, bank statements, invoices and tax documents for review.
04 — Service
AI Client Assistants
Assistants grounded in your products and policies that answer questions and hand over to staff when needed.
05 — Insight
Reporting & Analytics
Dashboards, forecasting and anomaly detection that surface risk and opportunity across your book.
06 — Integration
Systems Integration
Connect CRM, core platforms, accounting, payments and open-data services through secure APIs.
The AI slant
AI with compliance front of mind.
Automate the checks. Document AI prepares data and flags inconsistencies, so specialists review exceptions instead of every page.
Explainable workflows. Every AI step is logged and reviewable, supporting your compliance and audit obligations.
Secure by design. Encryption, role-based access, audit logging and Australian hosting options are built in from the start.
People decide. Credit, advice and other regulated decisions stay with qualified people; AI prepares and summarises.
Technology
The stack behind the AI.
We choose proven, well-supported technology for each AI project — native or cross-platform mobile, modern backends, cloud infrastructure and the latest AI models. See our full range of services.
01 — Mobile
Native iOS & Android
Swift and Kotlin apps built for performance, device features and long-term maintainability.
02 — Cross-platform
React Native
One shared codebase for iOS and Android when speed to market and budget matter most.
03 — Backend
Python & Node.js
Secure APIs, data pipelines and integrations — Python for AI and data work, Node.js for fast, scalable services.
04 — Cloud
AWS & Cloud
Scalable, monitored infrastructure on AWS and other major clouds, with Australian hosting regions available.
05 — LLMs
GPT-class and other large language models, grounded in your data with retrieval, guardrails and cost controls.
06 — Automation
Automation & AI Agents
Workflow automation and AI agents that take on multi-step tasks across your systems, with people approving key actions.
How we work
From idea to AI in production.
A staged, transparent process keeps risk low and value visible at every step.
Step 01
Discover
We map your workflows, data and constraints to find the AI opportunities with the clearest return.
Step 02
Prove
A focused prototype or proof of concept tests accuracy, cost and user experience before you commit to a full build.
Step 03
Build & integrate
Production-grade iOS, Android and web development, security, testing and integration with your existing systems.
Step 04
Launch & improve
Monitoring, support and ongoing tuning as your data, users and needs change.
Why Smarterapps Ai
Australian engineering. Practical AI.
Finance teams can’t afford software that is insecure or opaque. We bring disciplined engineering and practical AI to build tools that are fast for clients and defensible for compliance.
Since 2010 we have designed, built and supported apps and platforms for Australian startups, SMEs, enterprises and public-sector teams. Read more about us, or meet our AI developers.
You work directly with our strategists, designers and engineers, you own your source code, and we stay on after launch to support, secure and improve what we ship.
Other industries
AI shaped for other sectors, too.
Many of the patterns we build carry across industries. Explore how we apply AI in related sectors, or browse all of our services.
01 — Industry
Clinical, patient and practice apps with AI-assisted triage, documentation and secure data handling.
02 — Industry
Dispatch, routing, proof-of-delivery and fleet apps with automation built in.
03 — Industry
Personalised learning, assessment support and admin automation for schools, RTOs and universities.
04 — Industry
Sensors, dashboards and AI analytics that help councils manage assets, movement and the environment.
05 — Industry
Site, inspection, maintenance and tenant apps that cut paperwork and surface risk early.
06 — Industry
Citizen services, case management and internal automation for agencies and councils.
FAQs
Common questions.
Is AI appropriate for regulated financial services?
Yes, when designed carefully. We use AI to prepare, extract and summarise information, keep humans responsible for regulated decisions and log every step.
How do you secure financial data?
We use encryption in transit and at rest, role-based access, audit logging, secure APIs and Australian hosting options, and design to your security requirements.
Can you integrate with identity verification and open data services?
Yes. We integrate with identity verification, payments, accounting and open-data providers through their APIs.
Do you build apps for fintech startups?
Yes. We help fintechs launch a focused first product and scale it as they grow.
How long does a finance app take?
A focused first release typically takes three to nine months, depending on integrations, security and compliance requirements.
Will we own the software?
Yes. On completion and final payment you own the source code and related assets.
Start a project
Let’s build smarter financial software.
Tell us about the client journey or back-office process you want to improve. We’ll come back with practical options, a realistic timeline and an honest estimate.