INDUSTRY
Fintech software development
Secure payments, wallets, lending and investment platforms built to win customer trust and satisfy regulators across the Gulf.
Split the bill
Dinner at JBR4 friends · AED 640
Ali
4.6kYou
4.6kSana
4.6kBilal
4.6k
4.6kYou
4.6kSana
4.6kBilal
4.6k
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THE CHALLENGES
What finance businesses struggle with
Slow, paper-based onboardingBranch visits and photocopied IDs make customers give up before their account is open.
Security and fraud risksEvery new channel adds attack surface, and one breach can undo years of trust.
Complex regulationCBUAE, SAMA and DFSA rules change often, and audits demand clear trails.
Legacy core systemsOld platforms make every new product slow, expensive and risky to launch.
WHAT WE BUILD
Finance solutions
Digital Wallets & Payments P2P transfers, bill splitting, QR payments and instant bank settlement. Learn more → Digital Onboarding & eKYC ID scanning, liveness checks and AML screening in a few friendly minutes. Learn more → Lending Platforms Applications, credit scoring, approvals and repayments fully online. Learn more → Trading & Investment Apps Real-time prices, watchlists, portfolios and one-click orders. Learn more → Accounting & Invoicing SaaS Invoices, expenses and tax-ready reports for FTA and ZATCA requirements. Learn more → Core System Modernisation Move legacy platforms to secure cloud services without downtime. Learn more →
FEATURES
Features that matter in finance
Built-in capabilities we’ve refined across wallets, lenders and brokerages.
✓eKYC and AML screening
✓Biometric login and MFA
✓Instant bank transfers
✓Card and QR payments
✓Real-time transaction alerts
✓Multilingual (English/Arabic) support
✓Audit trails and reporting
✓Fraud and risk dashboards
SECURITY & COMPLIANCE
Bank-grade by default
We design every finance product around security standards and the regulators you answer to.
PCI DSS readyTokenised card handling and segmented, audited infrastructure.
Regulator-aware buildsControls mapped to CBUAE, SAMA and DFSA guidelines from day one.
Encryption everywhereAES-256 at rest, TLS 1.3 in transit and hardware-backed keys.
Always availableMulti-zone hosting, 99.99% uptime targets and tested recovery plans.
SERVICES
Services we provide for finance
CASE STUDY
Finance work we’re proud of
“
We wanted splitting a bill to feel as easy as sending a message. Digital Melon delivered exactly that, with security our banking partners signed off on first time, and fifty thousand downloads in our first quarter.
Hamza SiddiquiCo-founder & CEO, Rafiq Pay
ASK MELO 
?
Questions from the queue
? Yes. We map security, data-residency and audit controls to the relevant regulator from the start, and work alongside your compliance team and licensed partners during reviews and sandbox applications.
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