Top 7 Fintech App Ideas for Startups to consider in 2023 — TheCodeWork

8 min readMar 29, 2023


Hey there! Are you tired of seeing people fumble with their finances like a clown trying to juggle bananas? Fear not, because you have the power to help them make smarter financial moves. But where to start, you ask? Well, many people are on the hunt for ways to take control of their financial stability. Lucky you, I’ve got the inside scoop on the top seven fintech app ideas that you can consider in 2023. So buckle up and get ready to take the financial world by storm!

Now, I see that the demand for Fintech and Banking apps will never decrease. You ask, why? Well, Fintech apps changed how people manage money nowadays. Whether it be for easy budgeting, investing, or expense tracking, the demand will always be thrusting high. After all, money matters!

So, Are you ready to dive into the market of fintech apps? If yes, here’s a good news!

TheCodeWork has introduced India’s first Zero-Equity Startup Ecosystem. This will help you to make your start-up journey smoother and stress-free!

Intrigued! Let’s get in touch, click here.

Okay now back to the current topic of discussion -

Let’s help you get ready to discover some innovative fintech app ideas you should consider for your users to achieve their financial goals. Let’s get started! Shall we?

Top 7 Fintech App Ideas for Startups to consider in 2023

Wait, before we proceed, let me give you a glimpse of the Financial App Market- Global Industry Analysis and Forecast for (2022–2029).

Do you know, As per MMR The fintech app market was valued at over

$1 Billion for 2021 alone. Imagine? Exactly why we are discussing this topic today!

Now you must be wondering how to bring your fintech app idea to life. Don’t you worry! Bringing your fintech app idea to life is easier than you think, with TheCodeWork’s startup ecosystem in place.

But first things first, let’s take a closer look at the probable fintech app ideas for you to get started with.

1. Budgeting Apps

Budgeting is the first term that comes to our minds when we talk of finance. I am sure you agree with me on this. So why don’t you hop into this space and opt to build a basic budgeting app? A user-friendly app that will make the entire process of budgeting smoother.

Here’s what you can offer with this app:

All on one single platform. How cool is that as one of the considerations for fintech app ideas?

Okay so here’s a list of basic but relevant features that you can provide to build an exclusive fintech app:

To sum up, these features will make your financial management game strong. Along with, it will even impress the most penny-pinching accountants.

Looking for a tech team to discuss the core features? Book a free consultation call with us.

2. Investment and Trading App

Investment and Trading exploded in popularity in recent times. This can be either for the internet, or Elon Musk or simply an interest in securing their future — via diverse ways to make money.

With the rise of online trading platforms and mobile apps, investing has become more accessible than ever before. Social media and online communities spawned an advanced breed of traders and investors, who share their strategies of smart trading. Thank you internet, by the way!

I made a list of what you can offer with this app:

Whether you’re a seasoned pro or just getting started, these apps offer the ultimate tools to take your investment rocket high. So why not summarize these data points through an app?

Now, here are some key pointers on the advantages of developing an investment app:

By doing so, you can build your app around the core features, basically following the MVP approach here. This will also streamline the use case for the early adopters. Remember, less is more — and the possibilities with it are endless!

3. Personal Finance Management App

As we step into 2023, the need for a personal finance management app has never been greater. With the ongoing economic uncertainties, it’s crucial to have a clear and organized picture of finances. A personal finance management app can help you do just that — by providing a comprehensive overview of your accounts, expenses, and investments, all in one place

Here’s what you can offer with the app:

Here are some of the features that a standard personal finance management app can offer:

Check this out: (Total Assets — Total Liabilities= NetWorth).

A personal finance management app may be the solution that people are searching for! Whether they are looking to save for a big purchase, pay off debt, or build a nest egg for the future. Your app can give them power.

Also Read: App Testing Challenges & How to Overcome Them?

4. One-Stop Bill Payment App

A One-Stop Bill Payment App can be a great option for fintech app ideas, don’t you think? It will streamline bill management for users — a great idea to consider. Don’t you agree?

No one likes to keep toggling from one app to another! So, a One-Stop Bill Payment App can serve as an umbrella in this case. Here, the users can pay all their bills in one place, with just a few taps. How cool is that?

Lets see what you can offer with the app:

Now, allow me to jot down a few marvelous features for to include in such a app:

Such an app not only saves time and money, but also reduces stress. So why not give it a try? Start simplifying your user’s life today with an all-in-one bill payment app!

Talk to our tech experts at TheCodeWork for free!

5. Insurance App

In 2023, there will be a growing demand for apps that help users manage their insurance policies and claims. According to EY, more than 32% of policymakers pay their insurance online ever since the pandemic began. See the catch already?

So what all can you offer with the app:

For some people, insurance can be a confusing subject. That’s where your app comes in to simplify the process and make it accessible to everyone. Here are some key features that your insurance app may have:

An Insurance app can offer numerous benefits to both users and insurance companies. So you have two different bases of target audience. See?

For users, it provides a convenient and user-friendly way to manage their insurance policies. And for insurance companies, it can help them streamline their business operations. It’s an all-rounder anyway. What else do we need?

Oh yes! A tech team to build out the MVP for you, right? Well, consider it resolved!

6. Cryptocurrency Wallet App

As we enter 2023, the world of cryptocurrency is rapidly evolving. New opportunities for innovation are arising using the blockchain technology. And with Decentralized finance (DeFi) and non-fungible tokens (NFTs) — the need for a crypto wallet is now more crucial than ever.

Core features that you can include with the app -

A cryptocurrency wallet app will allow your users to securely store, manage, and trade their digital assets. It should provide a user-friendly interface to smoothly manage digital assets — all in one platform.

Sounds complex? No issues, I’ll elaborate on a few of the pointers that you can look out for:

So, whether you’re buying, selling, or simply holding onto your crypto. A reliable Crypto wallet app can help you stay on top of your game. And that’s exactly what you can provide to the market!

Also Read: Mobile App Development Trends in 2022

7. Loan Lending App

Loan lending apps are becoming more popular than ever. With the rise of digital banking and mobile payments, it’s no surprise that loan lending apps are on the rise. But what makes them so appealing?

Instead of waiting for weeks to get approval, borrowers can receive a decision within minutes. Loan lending apps use algorithms and machine learning (ML) to assess creditworthiness quickly and accurately.

Here’s what you can offer with the app:

Now, I’ll be stating some of the fascinating features of loan lending apps that you can offer to your users:

Currently, loan lending apps are quickly gaining popularity, and for good reason. These apps provide borrowers with a fast, simple, and convenient way to access the funds they need. The loan application process is streamlined, with no stacks of paperwork or lengthy waiting periods.

In fact, borrowers can receive loan approvals within minutes! So, why wait anymore? Let the cash roll in.

Explore India’s First Ever Zero Equity Startup Ecosystem here!

Inspired Already? Did I Miss Something?

Are you bursting with more brilliant ideas that align with fintech apps? Don’t hold back, take the plunge and delve deeper into these possibilities! And if you’re keen on gauging the market potential of your idea (which I would recommend). Why not have a chat with us?

Let’s explore the uncharted waters of your innovation together!

Contact TheCodeWork today.

Key Takeaways

As of 2023, these were some of the top fintech app ideas for your startup to consider. However, I will always encourage you to explore beyond and allow us to help you in your venture.

With the increasing popularity of fintech and mobile banking, the demand for fintech apps is only going to grow. So, if you’re looking to make a name for yourself in the world of finance, consider one of these ideas. And get started today!

Pro Tip: Join our Startup community on LinkedIn — to connect with like-minded entrepreneurs and learn from the more experienced ones!

Originally published at on March 29, 2023.




TheCodeWork is a team of innovative problem solvers, who look into various aspects of business and build solutions to simplify them with tech and AI.