{"id":31869,"date":"2026-02-06T10:40:14","date_gmt":"2026-02-06T10:40:14","guid":{"rendered":"https:\/\/appricotsoft.com\/?p=31869"},"modified":"2026-06-22T14:31:28","modified_gmt":"2026-06-22T14:31:28","slug":"the-fintech-tech-stack-guide-building-for-compliance-scale-and-speed","status":"publish","type":"post","link":"https:\/\/appricotsoft.com\/pl\/blog\/the-fintech-tech-stack-guide-building-for-compliance-scale-and-speed\/","title":{"rendered":"Przewodnik po stosie technologii Fintech: budowanie zgodno\u015bci, skali i szybko\u015bci"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"31869\" class=\"elementor elementor-31869\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-12084bd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12084bd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9ca0480\" data-id=\"9ca0480\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad7e3b1 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ad7e3b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wst\u0119p<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f829e27 elementor-widget elementor-widget-text-editor\" data-id=\"f829e27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When you\u2019re creating a fintech application, the decision of what technology stack to use should not just be made from a technical perspective; it can also be looked at as a strategic decision. The technology stack that you choose will have an overall effect on matters such as regulatory compliance, the performance of your application, your ability to grow quickly or make changes to your product often, and whether or not your end-users (and auditors) are satisfied.<\/p><p>At Appricotsoft, we assist fintech entrepreneurs and product managers as they work through the challenges of balancing compliance, performance and product velocity. Whether you are creating your first neobank, expanding your payment gateway or developing tools for PSD2, KYC, or open banking, etc., the technology you select will either aid or impede your business. Here are a few tips on how to make those decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-682e1ab elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"682e1ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b2180a elementor-widget elementor-widget-heading\" data-id=\"2b2180a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Understanding the Bigger Picture: Fintech Applications Have Unique Technology Stacks<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57d92a6 elementor-widget elementor-widget-text-editor\" data-id=\"57d92a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The technology stacks used by fintech applications are unique in that, when compared to other SaaS products:<\/p><ul><li><em>Fintech applications deal with highly sensitive user information (such as personal and financial data)<\/em><\/li><li><em>Most fintech applications will require use of a regulated infrastructure (such as payment processing), such as PCI DSS, PSD2, AML\/KYC Compliance, etc.<\/em><\/li><li><em>Fintech applications must be highly available (they must be operational 24\/7 &#8211; 365 days per year)<\/em><\/li><li><em>The regulatory and market environments are constantly changing, and therefore, many of the technology stacks used by fintech applications will likely need to be updated on a very frequent basis<\/em><\/li><\/ul><p>Thus, the technology stack used for fintech applications must provide security, traceability, perform well and be adaptable, while providing the ability to quickly develop and deliver application changes.<\/p><p>Let\u2019s go into more detail about these factors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43c87d5 elementor-widget elementor-widget-image\" data-id=\"43c87d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/appricotsoft.com\/wp-content\/uploads\/2026\/02\/business-people-syncing-data-by-mobile-phone.webp\" title=\"\" alt=\"Fintech Tech Stack\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0cd570 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e0cd570\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-672b503 elementor-widget elementor-widget-heading\" data-id=\"672b503\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The Safety &amp; Performance of Back-End Languages<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1ed67c elementor-widget elementor-widget-text-editor\" data-id=\"e1ed67c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For the Fintech sector to excel, back-end languages need some fundamental characteristics that will allow them to meet the demands placed upon them: <strong>security, support, <\/strong>I<strong> auditing capability.<\/strong><\/p><p><strong>Back-End Tech Stack Recommendation:<\/strong><\/p><ul><li><strong><em>Typescript + Node.js:<\/em><\/strong> When used together, TypeScript provides for static type-checking combined with automated testing, allowing fast iteration while keeping the codebase secure. Typescript is also very effective when used in event-driven architectures and cloud-native applications.<\/li><li><em><strong>Go (Golang):<\/strong><\/em> Golang is increasing in popularity as a back-end language for creating high-performing APIs. Golang has a statically typed syntax, is fast and straightforward to use, making it an ideal choice for payment gateway APIs and\/or microservice APIs.<\/li><li><em><strong>Java\/Kotlin:<\/strong><\/em> Java and Kotlin continue to be the primary choice for enterprise-grade banks. Java and Kotlin also have a robust ecosystem to provide the necessary tools for the development of secure and compliant applications. Java and Kotlin are often used with the Spring Boot framework for building modern applications.<\/li><li><em><strong>Python:<\/strong><\/em> Python is well-suited for data-heavy applications in the fintech sector, such as risk analysis and machine learning. However, when using Python, it\u2019s essential to have strong type-checking and automated testing done to reduce the risks associated with dynamic typing.<\/li><\/ul><p>At Appricotsoft, we frequently recommend TypeScript or Go for clients requiring quick and secure development of their applications. If you plan to create third-party integrations or open banking APIs, we would recommend using lightweight, testable microservices as a back-end architecture.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e2a0d3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6e2a0d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcde5a8 elementor-widget elementor-widget-heading\" data-id=\"dcde5a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The Connection Of Database Systems: Auditability And Structure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-151537d elementor-widget elementor-widget-text-editor\" data-id=\"151537d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A database should have excellent transaction guarantees and an audit trail if you&#8217;re developing a Fintech application.<\/p><p>Database options available:<\/p><ul><li><em><strong>PostgreSQL<\/strong> is the most commonly used database solution available. Its ACID-compliant (Atomicity, Consistency, Isolation, Durability) architecture, support for JSON datatypes, extensive audit trail functionality, and user-friendly design make it the best choice for transactional applications.<\/em><\/li><li><em><strong>MongoDB<\/strong> is also a viable option for applications that are being quickly constructed, but only if you have implemented a robust schema validation process first. It works well for logs, event stores, and storing metadata; however, it should never be used as a foundation for core financial systems.<\/em><\/li><li><em><strong>Redis<\/strong> can also provide you with solid performance for caching data and managing sessions, but it is not recommended for storing financial records.<\/em><\/li><li><em><strong>ClickHouse or BigQuery<\/strong> is a great analytic solution for real-time applicability, fraud detection, or reporting.<\/em><\/li><\/ul><p>In addition, we want to make sure that the database that we choose conforms to any applicable legal or regulatory standards by adhering to the GDPR or PSD2 requirements.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-328ca6b elementor-widget elementor-widget-image\" data-id=\"328ca6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/appricotsoft.com\/wp-content\/uploads\/2026\/02\/woman-typing-laptop-sitting-home-with-automation-lighting-system-using-voice-controlled-sma-1.webp\" title=\"\" alt=\"Fintech Tech Stack\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78a3e7c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"78a3e7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52011a4 elementor-widget elementor-widget-heading\" data-id=\"52011a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cloud Services: Scalability, Control And Compliance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5789638 elementor-widget elementor-widget-text-editor\" data-id=\"5789638\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The cloud provider that you use (AWS, GCP, or Azure) can greatly affect your Fintech product&#8217;s performance.<\/p><p>Key items to consider:<\/p><ul><li><em>If you plan to operate a multi-region cloud setup, it will adequately address your data residency obligations for data contained within the EU.<\/em><\/li><li><em>Implementing Zero Trust Networking with Amazon VPCs, Firewalls and Security Groups will help keep your data secure against both external and internal attacks.<\/em><\/li><li><em>There are several managed service options available for secret and key management in Cloud Services, including AWS Secrets Manager and Google Secret Manager.<\/em><\/li><li><em>Compliance requires having an Audit Log and Version Control.<\/em><\/li><\/ul><p>We will implement Infrastructure as Code (Terraform) for provisioning and auditing your cloud services and build CI (Continuous Integration) pipelines that include compliance checks starting on day one.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e60a62 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6e60a62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59963b5 elementor-widget elementor-widget-heading\" data-id=\"59963b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The Speed and Safety of CI\/CD<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c60e5 elementor-widget elementor-widget-text-editor\" data-id=\"74c60e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>With the correct pipeline, you can have both speed and safety without needing to compromise one for the other.<\/p><p>Tooling Recommendations:<\/p><ul><li><em>GitHub Actions or GitLab CI for versioned, repeatable builds.<\/em><\/li><li><em>Automated code scanning (SonarQube\/Snyk) to catch vulnerabilities early.<\/em><\/li><li><em>Test coverage enforcement: unit, integration, and regression testing.<\/em><\/li><li><em>Manual approval processes for production deployments (required by regulations).<\/em><\/li><\/ul><p>Automated and visible tooling can aid in meeting regulators&#8217; expectations of traceability and change management.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4072a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6b4072a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35f73e8 elementor-widget elementor-widget-heading\" data-id=\"35f73e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Observability \u2013 Because Uptime is Your Product<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b45653 elementor-widget elementor-widget-text-editor\" data-id=\"2b45653\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Logs, metrics, and traces are not simply nice to have; they are critical for illustrating success in the Fintech industry.<\/p><p>Our preferred stack:<\/p><ul><li><em><strong>Prometheus + Grafana<\/strong> for collecting metrics and displaying them via dashboards.<\/em><\/li><li><em><strong>OpenTelemetry + Jaeger<\/strong> for tracking distributed systems.<\/em><\/li><li><em><strong>Elastic Stack <\/strong>Lub<strong> Loki<\/strong> for logging purposes.<\/em><\/li><\/ul><p>We also create alerting systems (<strong>PagerDuty, Slack + Opsgenie<\/strong>) to allow us to respond quickly to incidents and create post-incident documentation for transparency.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4de979f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4de979f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d29e1c elementor-widget elementor-widget-heading\" data-id=\"3d29e1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mobile Development Frameworks: Considerations for Native vs. Cross-Platform<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-869ed1c elementor-widget elementor-widget-text-editor\" data-id=\"869ed1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Are you a mobile-first fintech company? You bet! But selecting the wrong mobile stack can delay you.<\/p><p><strong>When to Use Native:<\/strong><\/p><ul><li><em>If your application will have lots of device features (FaceID, NFC).<\/em><\/li><li><em>If you need to implement a regulatory requirement that requires you to use a platform-specific feature.<\/em><\/li><li><em>If your customers demand a high level of performance and UI.<\/em><\/li><\/ul><p><strong>When to Use Cross-Platform:<\/strong><\/p><ul><li><em>When you will be creating applications with the same UI logic (onboarding, dashboards &amp; alerts).<\/em><\/li><li><em>When you are building an early stage MVP (minimum viable product) and do not have much budget.<\/em><\/li><li><em>If you want to create the same functionality across iOS and Android.<\/em><\/li><\/ul><p><strong>Appricotsoft\u2019s Recommendation:<\/strong> React Native. As a React Native app development company we have built Fintech apps that balance time to create and improve usability by allowing you to iterate on your applications without creating duplicate content.<\/p><p>We also provide our fintech clients with shared UI component libraries and design systems to help ensure consistency between the different platforms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-164d9e5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"164d9e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b604230 elementor-widget elementor-widget-heading\" data-id=\"b604230\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Compliance and Stacking Choices: What Entrepreneurs Often Miss<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb581a1 elementor-widget elementor-widget-text-editor\" data-id=\"cb581a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The following are the things compliance auditors will actually verify.<\/p><p><strong>Audit Logs<\/strong> \u2013 who made a change to what and at what time (including changes to infrastructure).<\/p><p><strong>Change Control Management<\/strong> \u2013 how your software code is enforced in the production environment.<\/p><p><strong>Change Control Management on Your Configuration Settings<\/strong> \u2014 how your configuration files are controlled.<\/p><p><strong>Encryption<\/strong> &#8211; how your data is secured while it is being processed and encrypted when it is stored and\/or backed-up.<\/p><p><strong>Access Control Policies<\/strong> (e.g., Role-Based Access Control, Multiple Factor Authentication, and Shared Credentials Not Allowed).<\/p><p><strong>Code Quality<\/strong> \u2013 how your code has been produced by the developers and how much testing has been performed against it to ensure that the current functionality works appropriately.<\/p><p>Your Stack Will Have to Support:<\/p><p><strong><em>\u2705 Immutable Builds<\/em><\/strong><\/p><p><strong><em>\u2705 Role-Based Access Control<\/em><\/strong><\/p><p><strong><em>\u2705 Clean Code History<\/em><\/strong><\/p><p><strong><em>\u2705 Automated Testing and Deployment Pipelines<\/em><\/strong><\/p><p><strong><em>\u2705 Secure Storage of Secrets<\/em><\/strong><\/p><p>To ensure you do not need to remember to implement these controls each and every time you develop a new application, we build in these controls for each project using the AI-based Unison Delivery Framework.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8bec8b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d8bec8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0397ebf elementor-widget elementor-widget-heading\" data-id=\"0397ebf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How Your Stack Choice May Affect Scaling<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36a5372 elementor-widget elementor-widget-text-editor\" data-id=\"36a5372\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Many startups utilize the stack that their original engineer works with. That&#8217;s alright until you grow.<\/p><p>The following are some warning signs we look for when working with stacks:<\/p><ul><li><em>A monolith that has no separation between the admin side and the end user side<\/em><\/li><li><em>In-memory session storage in deployments with multiple instances<\/em><\/li><li><em>No logging or monitoring beyond <\/em><strong>console.log<\/strong><\/li><li><em>Database writes were made without any sort of tracking for audits<\/em><\/li><\/ul><p>At our company, Appricotsoft, we offer detailed Architecture Review &amp; Practical Migrations services to alleviate these issues.<\/p><p>We will assist you through every aspect of <strong><a href=\"https:\/\/appricotsoft.com\/pl\/blog\/fintech-discovery-done-right\/\">Fintech discovery and planning<\/a><\/strong>, as having a good stack or way to build systems will not solve your problems by itself.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-574d4ed elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"574d4ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77a2a17 elementor-widget elementor-widget-heading\" data-id=\"77a2a17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Conclusion: Build What is Coming<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-419a151 elementor-widget elementor-widget-text-editor\" data-id=\"419a151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Fintech is constantly evolving, including all other areas of financial technology such as Embedded Financial Technology Products or Services, Distributed Ledger Technology (DLT) and Open Banking.<\/p><p>You will need to build your stack with this in mind. At Appricotsoft, we go beyond just building applications by assisting fintech founders in thinking a few steps ahead regarding the selection of proper technology and through assistance during the audit and compliance review process; we hope you will be ready to launch your application with confidence and grow your application as planned.<\/p><p><strong><a href=\"https:\/\/appricotsoft.com\/pl\/contact-us\/\">Contact Us To Let Us Know How We Can Help With Your Stack!<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0c1b97 elementor-cta--skin-cover elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"f0c1b97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url();\" role=\"img\" aria-label=\"\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item elementor-animated-item--grow\">\n\t\t\t\t\t\tMasz ju\u017c ten pomys\u0142?\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item elementor-animated-item--grow\">\n\t\t\t\t\t\tNapisz do nas, a znajdziemy najlepszy spos\u00f3b realizacji Twojego pomys\u0142u!\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item elementor-animated-item--grow\">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"\/pl\/contact-us\/\">\n\t\t\t\t\t\tSkontaktuj si\u0119 z nami\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Introduction When you\u2019re creating a fintech application, the decision of what technology stack to use should not just be made from a technical perspective; it can also be looked at as a strategic decision. The technology stack that you choose will have an overall effect on matters such as regulatory compliance, the performance of your&#8230;<\/p>","protected":false},"author":4,"featured_media":33623,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[44,43],"tags":[45,46],"class_list":["post-31869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-fintech","tag-fintech","tag-fintech-app"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Fintech Tech Stack Guide: Building for Compliance, Scale, and Speed - Appricotsoft<\/title>\n<meta name=\"description\" content=\"A complete tech stack guide for fintech software development companies. 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