What Shipping 150+ Fintech Apps Taught Me

Over three years I delivered 150+ production fintech apps for microfinance institutions. Here's what stuck.

1. Reliability beats features

In banking, a crash is a broken promise. We treated stability as the headline feature — not a nice-to-have.

2. Standardize the hard parts

KYC, payments, and auth were rebuilt as shared, hardened modules:

Future<KycResult> verifyIdentity(KycRequest req) async {
  final ocr = await mlKit.extract(req.document);
  return _validate(ocr, req.profile);
}

3. Tests are the safety net

Every critical flow had unit, widget, and integration coverage — gated in CI on every PR. That's how you ship fast and sleep at night.