Fintech
Creating new opportunities for fintechs
Quickly introduce new services, find a sponsor bank and extend your reach with the vast network of financial institutions and merchants we serve.
Rapidly scale and expand with quick-start capabilities, such as credit, debit, lending and payments services.
Named
#1
Fintech
2025 IDC Financial Insights
Nearly
100%
of U.S. households reached
#1
global issuer and merchant acquirer
Discover ways Fiserv solutions help your business thrive
Expand with quick-launch capabilities
Scale rapidly
Connect to real-time financial data
Expand with quick-launch capabilities
Expand with quick-launch capabilities
Fintechs need the capacity to innovate and scale quickly to deliver differentiated customer experiences and gain speed-to-market advantages.
Payments
Facilitate real-time funds in and funds out through wallet-as-a-service, launch a custom credit card program, and enable banking services, including bill pay, mobile deposits and more.
[**Fintech Ledger**
Access a real-time ledger to support banking and payment activity, along with secure credit, personal loans and mortgages.](https://www.fiserv.com/en/solutions/fintech-ledger.html)
Scale rapidly
Scale rapidly
Scale quickly by tapping into our expansive ecosystem to offer your services to the thousands of financial institutions and millions of merchants we serve.
[**Developer Studio**
Use APIs and developer tools from Fiserv to incorporate capabilities and achieve integrations that power your business forward.](https://developer.fiserv.com/)
Sponsor Bank Network
Benefit from the relationships Fiserv has with dozens of sponsor institutions and can help match you with the right FDIC-insured partner.
[**AppMarket**
Grow market share for your fintech solutions by offering them in our AppMarket. Tap a market consisting of thousands of financial institutions and millions of accountholders.](https://appmarket.fiservapps.com/fintech)
Connect to real-time financial data
Connect to real-time financial data
Develop new products and services, engage consumers and enhance the financial experience with real-time access to consumer-permissioned financial data from millions of people.
[**Data Aggregation**
Leverage more than 18,000 data sources to create new products and solutions, quickly verify accounts, and tighten security and compliance.](https://www.fiserv.com/en/solutions/data-aggregation.html)
[**Developer Studio**
Use Fiserv APIs and developer tools to incorporate capabilities and achieve integrations that power your business forward.](https://developer.fiserv.com/)
Connect people and businesses to the financial experiences they're looking for.
Explore our embedded finance capabilities.
AppMarket from Fiserv
Fintechs can connect to Fiserv APIs and offer their services to thousands of financial institutions with AppMarket from Fiserv.
Learn more from client stories
CANDIDLY
Opening our tech stack to solve the problem of student debt
The amount of data that Fiserv has in partnership with the financial institutions it serves can further personalize the user experience.
Laurel Taylor
Founder and CEO
Candidly (formerly FutureFuel.io)
Explore insights and resources
[Research
Fintechs connect with digital-savvy consumers
Our Expectations & Experiences consumer trends research shows how emerging services are playing an important role in people's financial lives.](https://www.fiserv.com/en/about-fiserv/resource-center/consumer-research/2021-expectations-experiences-fintech-adoption.html)
[Article
Four factors powering an embedded finance renaissance
Embedded finance is evolving, and financial institutions are exploring the new possibilities it brings for adding customers and deposits.](https://www.fiserv.com/en/insights/articles-and-blogs/four-factors-powering-an-embedded-finance-renaissance.html)
[Article
How embedded finance helps banks, merchants and fintechs
Whether in person or online, consumers are responding to payments, lending and investing options that are built into everyday experiences.](https://www.fiserv.com/en/insights/articles-and-blogs/how-embedded-finance-helps.html)