Top 10 FinTech Development Companies For AI Agents 2026

Financial services now rely on artificial intelligence as their core technology. In 2026, AI agents are not experimental add-ons. The technology exists in fraud detection systems, compliance monitoring systems, underwriting platforms, and digital banking assistants. The agents examine transactions during operational hours to identify suspicious behavior, support risk teams, and create automated processes to meet regulatory requirements.

The process of creating AI agents for fintech applications differs from the standard development of AI solutions used in retail and marketing. Financial AI solutions must comply with multiple regulations because they must operate with existing banking systems while protecting sensitive data and delivering complete audit capability. Finance organizations face two major risks when they lack effective governance over their artificial intelligence systems.

Financial institutions now form partnerships with specialized fintech software development companies that possess expertise in creating compliance-focused systems and deploying AI technology at production standards. The following section presents a selection of leading fintech development companies that provide AI agent development services in 2026.

What Makes a Strong FinTech AI Agent Development Company?

The evaluation criteria should be defined before the list evaluation starts.

• The first requirement for the position is regulatory expertise. Fintech AI vendors must demonstrate experience working with AML, KYC, PCI DSS, PSD2/PSD3, and GDPR frameworks. AI agents that cannot pass compliance audits are unusable in real financial environments.
• The second requirement for the project is architectural maturity. Fintech AI requires secure cloud-native infrastructure with encrypted data pipelines and model monitoring systems and explainable decision logic. AI systems require financial institutions to comprehend their operational decision-making processes.
• The third requirement requires organizations to demonstrate cybersecurity standards through tests. AI systems process high-value financial data. Vendors should establish secure development lifecycles while receiving industry security certifications.

The production experience of providers differentiates serious providers from experimental AI startups. Financial institutions need operational discipline to implement AI systems in live financial environments.

1.) Cleveroad:

Founded in: 2011
Headquarters: Claymont, Delaware, USA
Hourly Rate: $50–$80
Industry Expertise: Fintech, Healthcare, Logistics, Retail, Media, eCommerce
Reviews: 70+ reviews on Clutch, average rating 4.9/5
Website: cleveroad.com

Cleveroad operates as a top fintech development company that creates AI agent solutions for businesses that work in regulated financial sectors. The company develops multiple AI systems, which include fraud detection systems, AML monitoring systems, intelligent underwriting systems, risk scoring systems, and digital banking assistants that operate through AI technology.

The company establishes its primary strength through its development of architecture systems, which prioritize compliance requirements. The system enables AI agents to operate secure data channels that use access control systems for different user roles while maintaining complete system activity records and documents that meet audit requirements. The system enables complete visibility of development activities from their initial phase until project completion through its monitoring capabilities.

Cleveroad maintains research and development centers in both the United States and Europe while it operates with ISO 27001 and ISO 9001 certifications, which cover information security and quality management. The company provides cloud-based AI solutions designed for high-capacity financial systems as an AWS Select Tier Partner.

Clutch Global and various B2B directories have acknowledged Cleveroad, which uses its structured onboarding process, sprint-based delivery method, clear pricing system, and dedicated account management service to assist both fintech startups and large financial institutions.

2.) EPAM Systems:

Founded in: 1993
Headquarters: Pennsylvania, USA
Website: epam.com

EPAM provides enterprise AI engineering services to banks and capital market institutions around the world. Their fintech AI agents focus on predictive analytics and credit risk modeling, fraud prevention, and compliance automation. The company is widely known for modernizing legacy financial systems and embedding AI capabilities within large-scale digital transformation initiatives. The global delivery structure of EPAM enables organizations to implement their operations across multiple regions while maintaining necessary governance standards.

3.) Accenture:

Founded in: 1989
Headquarters: Dublin, Ireland
Website: accenture.com

Accenture implements AI agents within banking and insurance systems used by enterprises. Their AI solutions support fraud detection, regulatory reporting, customer engagement, and operational automation. The company combines strategic consulting with technical implementation, making it a common choice for large, multi-layered modernization programs involving complex compliance requirements.

4.) Globant:

Founded in: 2003
Headquarters: Luxembourg
Website: globant.com

Globant delivers digital financial solutions that use AI technology for their operations. Their fintech AI agents power conversational banking interfaces, analytics dashboards, and personalized financial recommendation systems. Through product design and AI engineering, together with their development process, Globant creates AI systems that deliver customer value through their user interface design and system performance.

5.) DataArt:

Founded in: 1997
Headquarters: New York City, USA
Website: dataart.com

DataArt focuses on creating artificial intelligence systems that need sophisticated data engineering solutions. The company’s fintech AI agents function in three different systems, which include trading platforms, wealth management systems, and high-frequency risk assessment tools. The organization creates infrastructure systems that can handle high transaction loads while delivering accurate results and consistent operational performance.

6.) ThoughtWorks:

Founded in: 1993
Headquarters: Chicago, USA
Website: thoughtworks.com

ThoughtWorks establishes itself as an authority on ethical AI and governance framework development. Their fintech AI agents operate with transparent systems that enable regulatory authorities to conduct audits of their processes. The organization receives frequent selection for fintech projects, which require them to maintain strict control over their artificial intelligence systems.

7.) Endava:

Founded in: 2000
Headquarters: London, UK
Website: endava.com

The company develops AI-based digital banking systems, which create their banking platforms. The AI agents of the system improve three functions, which include transaction monitoring and automated compliance verification, and customer interaction analysis. The company supports gradual AI integration strategies that help businesses to maintain their regular operations.

8.) ScienceSoft:

Founded in: 1989
Headquarters: Texas, USA
Website: scnsoft.com

ScienceSoft provides financial operations through AI automation that handles document processing and transaction validation and builds reporting systems. Their expertise lies in secure integration with legacy banking environments and ensuring continuity during AI transformation.

9.) Turing:

Founded in: 2018
Headquarters: California, USA
Website: turing.com

Turing provides remote AI engineering teams to fintech startups and scaling companies. Their flexible engagement model enables businesses to develop AI capabilities at an accelerated pace. The organization functions as a preferred choice for companies that need to implement their first AI systems through automation and predictive analytics projects.

10.) LeewayHertz:

Founded in: 2007
Headquarters: San Francisco, USA
Website: leewayhertz.com

LeewayHertz combines AI and blockchain technologies in fintech applications. The AI agents of the company help organizations to automate compliance processes and to analyze smart contracts and decentralized finance platforms. The company focuses on emerging fintech segments where AI intersects with distributed technologies.

Emerging Trends in FinTech AI Agents in 2026:

Fintech AI agents are developing into autonomous systems that demonstrate improved accountability. The main trends that exist in this field include three specific developments, which include:

• Real-time AML monitoring agents
• Autonomous fraud detection systems
• AI copilots assisting compliance officers
• Predictive credit underwriting engines
• Voice-enabled digital banking assistants
• Explainable AI frameworks for audits

Financial institutions require AI systems that operate continuously while providing transparent and auditable functionalities.

How to Choose the Right FinTech AI Development Partner?

The process of choosing a fintech AI partner requires evaluators to use a systematic assessment method. The evaluation process requires decision-makers to examine seven different criteria, which include regulatory expertise, security certification, operational demonstration, cloud system development level, AI assessment frameworks, and post-implementation support capabilities.

The financial sector requires AI systems to develop into operational systems. The system must meet the established regulatory requirements from its launch-onward while complying with them in all operational aspects. Organizations should prioritize their ability to maintain compliance and grow their operations over their need for immediate project execution.

Conclusion:

AI agents have become essential infrastructure in financial services. The systems identify fraudulent activity, handle compliance tasks, help with underwriting processes, and improve digital banking services.

The companies listed above represent some of the most capable fintech development companies delivering AI agent solutions in 2026. Each organization displays its particular strengths, which help various parts of the financial system.

The increasing digital transformation of financial markets will establish AI agents as the key determinants for organizations to achieve efficient operations and secure their systems while gaining a market edge.