The cost of developing a fintech app is determined by several factors, including project scope, design complexity, and the specific features required. Additionally, the choice of development team location and the technology stack used can also significantly influence the overall expenses.

Typical hidden costs in fintech app development include ongoing maintenance and updates, compliance with regulatory standards, and security measures costs. Unexpected changes in project scope can also lead to increased expenses that may not have been initially anticipated.

​​Emerging technologies, such as blockchain, AI, and machine learning, can impact the cost of fintech app development by requiring specialized skills and tools. While these technologies can significantly enhance app functionality and security, their complexity may also lead to longer development timelines and increased costs.