Digital banking apps
Accounts, transfers, cards and statements on web and mobile with a clean, trusted experience.
- Transfers
- Cards
Finance software that earns trust.
From digital wallets to lending platforms, we design and build fintech software for banks, payment companies and startups: secure, compliant with SAMA rules and fast enough for real money moving in real time.
24/7Payments and transfers, always on
100%Transactions logged for audit
80%Faster customer onboarding
What breaks, and what doesn't
One platform for safer finance.
We build fintech software around how money actually moves, so payments, onboarding and compliance stay in sync as you grow.
Without Simcoe
- Customer onboarding takes days of paperwork
- Payments and reconciliation done by hand
- Fraud spotted only after the money is gone
- Regulatory reports pulled together at the last minute
With Simcoe
- Digital KYC with Nafath verifies customers in minutes
- Automatic reconciliation across every channel and gateway
- Real-time rules and alerts flag risky activity instantly
- Audit-ready reports generated straight from live data
Software we build for fintech
Ready-to-tailor modules we design, build and connect for your team.
Payment gateways
Accept mada, cards, Apple Pay and STC Pay with clear settlement and refunds.
- mada
- Apple Pay
Digital onboarding & KYC
Identity checks, document capture and risk scoring that open accounts in minutes.
- Nafath
- AML checks
Lending & BNPL platforms
Applications, credit decisions, repayments and collections in one flow.
- Credit scoring
- Instalments
Digital wallets
Stored value, top-ups, QR payments and peer-to-peer transfers.
- QR pay
- P2P
Risk & compliance dashboards
Live views of transactions, fraud alerts and regulatory reports.
- Fraud alerts
- Reports
Our work.
Work we have shipped around investors and revenue, like our investment forum platform and billing CRM, plus the finance apps we build.
Investor onboarding & matching
Companies and investors onboarded, verified and matched for meetings at an investment forum.
Lead & billing CRM
Leads from every channel, client pipelines, role permissions and billing cycles in one real-time CRM.
Digital banking app
Balances, transfers and cards in one app customers open every day.
Works with the systems you already use
We connect to the platforms your sector depends on and design for the rules you have to follow.
Built for compliance
- SAMA regulations & cybersecurity framework
- PCI DSS for card data
- AML & KYC checks built in
- Full audit trail on every transaction
Integrations
SAMA Open BankingAccount & payment APIs
mada & SADADNational payments
Apple Pay & STC PayDigital wallets
NafathNational identity
SIMAHCredit bureau
ZATCAE-invoicing
Our Services for This Industry
The services we use to design, build and run software for organisations in this sector.
Featured Case Studies
How we have solved real business challenges for clients in this sector.
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View MoreQuestions before
Questions before starting.
Every project starts with a simple talk about your product, your timeline, your regulatory needs and the fastest way to get real value.
Yes. We map your current core, card and payment systems first, then connect them through secure APIs so balances and transactions stay accurate.
Tell us what needs to
work better.
We'll help you plan the right scope, the right steps, and your next move for your fintech product.
Start Your Project →