FinCell Partners with ConnectPay to Help Fintechs Launch Faster

2026 06 09 · 3 min read

Launching digital banking services often starts with the same challenge: before a company can focus on reaching customers, it needs to put the core infrastructure and mobile experience in place. For many businesses, this means taking on a complex and time-consuming mobile app development project before they can even enter the market. 

At FinCell, we build the mobile banking side of that journey. Now, through our new partnership with ConnectPay, businesses can combine our white-label mobile banking solution with ConnectPay’s embedded finance infrastructure and launch digital banking services across the EEA without building the full setup from scratch. 

With the two parts already aligned, companies can move towards launch in 3 to 5 months, instead of spending much longer developing their own mobile banking solution. 

The App is Where Customers Experience the Service 

A banking app is often the only part of a financial service that customers actually interact with. They do not see the systems processing payments in the background. They see whether the app is easy to understand, whether a transfer goes through without friction, whether they can manage their card when needed, and whether the service feels trustworthy. 

This makes mobile app development for fintechs different from building a standard consumer app. It needs to handle sensitive information securely, meet regulatory and accessibility requirements, and at the same time feel clear and familiar to the customer. Building all of this from scratch takes time, and it does not stop at launch: the app needs to be maintained as security requirements, mobile operating systems and customer expectations evolve. 

‘Customers experience fintech through the mobile app itself. Even the best backend infrastructure can go unnoticed if the customer experience is poor,’ says Linardas Saldukas, Head of Strategy Consulting Unit at Baltic Amadeus. 

Our role in this partnership is to provide customer-facing mobile banking experience. With FinCell, businesses get an app that already includes the core functionality customers expect, such as viewing balances, making payments and managing cards. ConnectPay provides the embedded finance infrastructure behind it, including payments, accounts, cards and compliance support. 

Together, this gives businesses a shorter route from a financial service idea to an app customers can actually use. 

Less Development Work Before and After Launch 

Building a mobile app is not a one-time project. Once it is live, it still needs security improvements, compatibility updates for new iOS and Android versions, feature development and ongoing attention to changing customer expectations. 

Through this partnership, businesses can avoid much of the mobile app development work that would otherwise need to be managed internally. Using ConnectPay’s infrastructure together with our white-label app can reduce implementation timelines by 40–60%, while also reducing the long-term effort required to keep the app moving forward. 

‘A white-label solution removes the heavy ongoing burden of mobile app development, technical maintenance and constant OS updates. This enables companies to stop reinventing the wheel and focus on business growth and customer acquisition,’ explains Linardas Saldukas, Head of Strategy Consulting Unit at Baltic Amadeus. 

The joint ConnectPay and FinCell solution is now available for companies planning to offer digital banking services across the EEA. 

Planning a digital banking service? Contact the FinCell team to discuss the mobile app side of your launch.