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Digital Products for
Finance & Insurance

— BUILD THE RIGHT PRODUCT

A sector where the stakes are higher than most.

Financial services and insurance organisations face a specific set of challenges that most digital product agencies haven’t encountered firsthand. Compliance requirements that shape every design decision. Legacy infrastructure that can’t simply be replaced. User expectations set by consumer apps are applied to products operating under regulatory constraints. And a competitive landscape where new entrants move fast, and established players carry the weight of existing systems and processes.

We’ve built digital products across retail banking, insurance, wealth management, and fintech, enough engagements to know where the complexity usually lives, and how to navigate it without letting it become an excuse for slow delivery.

How We Work in Finance & Insurance

Financial services products require the same rigour at every phase,, from the first research session to the final compliance check. Here’s how we approach it.

Understand first

Regulation shapes design, so we understand it before we start.

In financial services, compliance isn’t a final review; it’s a design input. We work with your compliance, legal, and product teams from the discovery phase to understand the constraints that will govern every decision. Getting this right at the start is significantly cheaper than retrofitting it later.

Understand first

Design for trust

Users in financial services need to feel safe, not just impressed.

Financial product design has a different primary objective than consumer app design. Trust, clarity, and confidence in every interaction matter more than delight. We design interfaces that communicate security and competence,  without sacrificing the usability that drives adoption and retention.

Design for trust

Build to last

Financial products need to integrate with infrastructure that isn’t going anywhere.

Most financial services organisations have core systems that predate the current generation of digital products. We build integrations, APIs, and middleware that connect modern digital experiences to legacy infrastructure without requiring a wholesale replacement of what already works.

Build to last

Maintain and improve

A regulated product needs ongoing attention, not just a launch.

Regulatory changes, OS updates, security patches, and evolving user expectations mean that financial products require structured ongoing support. We provide the maintenance and iteration programmes that keep your product compliant, secure, and performing well beyond go-live.

Maintain and improve

CASE STUDY | FINANCE & INSURANCE

Turning a compliance challenge into a competitive advantage.

esure came to Sonin with a strategic question, not a product brief. Discovery identified where mobile could reduce fraud risk while improving customer experience. A prototype was validated, piloted with 300 employees, and gave the business the evidence it needed to invest with confidence.

See how we did it

Smartphone app displaying accident report and map features.
“
What stood out from the start was how much time Sonin invested in understanding our business before proposing anything. They asked the right questions, and that made everything that followed significantly easier.
Director, Financial Services

Financial Services Case Studies

Sheilas' Wheels insurance app in a car, an example of AI-powered rapid prototyping
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Sheilas’ Wheels

Capturing what a driver forgets in the minutes after a crash.
Fuel Insurance Company Web Portal
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Paratus

Driving sales through client portals for an innovative energy insurance company
Marmalade young driver insurance app used in a car
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Marmalade

Growing Marmalade’s market share through a flexible car insurance app.
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Construction worker using a mobile app on site, an example of service design for frontline teams
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Checkmate Insurance

Helping Checkmate transform on-site inspections and mitigate their risk

Frequently asked questions

Do you have questions about building apps for financial services?

Explore some common questions below or reach out to discuss

A financial app development company designs and builds mobile and web applications for the financial services sector. This includes consumer-facing products like banking, budgeting, and insurance apps, as well as enterprise tools for trading, portfolio management, and internal financial operations. The work spans strategy, UX research, design, development, and post-launch product support.

Timelines vary significantly depending on scope, complexity, and integration requirements. A well-scoped MVP for a regulated financial product typically takes four to six months from kick-off to launch. More complex platforms with extensive third-party integrations or institutional-grade requirements will take longer. Discovery, done properly, reduces timeline risk by resolving the big unknowns before development begins.

Yes. We have experience building apps within FCA-regulated environments and understand the constraints that come with them, including data handling requirements, security standards, and the customer communication rules that affect how financial apps are designed.

Yes, this is a core part of what we do. We have experience integrating with policy management systems, telematics providers, actuarial tools, market data feeds, and open banking APIs. We build integrations to be reliable and maintainable, not just functional at launch.

We work across insurance (motor, home, travel, health), personal finance and fintech, investment and asset management, and banking. We’ve delivered projects for consumer brands, institutional financial services firms, and early-stage fintech companies.

Cost depends on scope, complexity, platform (iOS, Android, web, or all three), and integration requirements. A discovery engagement,  which scopes the product properly before committing to a build budget, is the most reliable way to arrive at an accurate number. We’re happy to have that conversation. Reach out via info@sonin.agency.

Sonin is a UK-based digital product agency. We work with financial services clients across the UK and have done for over a decade. We’re comfortable working remotely, on-site, or in a hybrid arrangement depending on what the project needs.

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Building a financial services product that has to get it right?

We understand the constraints you’re working within. Tell us about your project and we’ll give you an honest view of how we’d approach it.

Get in touch