Best Fintech Apps In 2023

As we approach the year 2023, the world of fintech is evolving at lightning speed, with new apps and services popping up every day. The fintech industry is undergoing a dramatic transformation, and with it comes new opportunities for fintech companies.

The financial landscape is changing, and the market has never been more competitive. These are exciting times to be working in custom fintech software development services – but they’re also challenging.

The best fintech apps of 2023 will be built for the modern customer, focusing on user experience and ease of use. They will have a clear value proposition that puts the user first. They will be designed for scalability and flexibility, with an eye toward future expansion into new markets and new product offerings. So by developing an app, fintech companies like ElifTech can help businesses innovate and ensure their growth.

So whether you’re looking to budget better, invest smarter, or simply stay on top of your finances, we’ve got you covered with our top picks for the best fintech apps of 2023.

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What Is Fintech?

Fintech is a term that encompasses the use of technology in financial services. It refers to both new and existing companies that provide financial services using software, data analysis, and other technologies to improve their efficiency and customer experience.

The industry has been growing rapidly since its inception in 1999 with the launch of PayPal by Elon Musk. According to recent McKinsey research, today, there are over 2,000 fintech companies worldwide with a global revenue exceeding $1 trillion).


Acorns is a mobile app that allows you to invest your spare change. It’s easy to use and has many features, including:

  • Round-ups: When you make a purchase with your debit card, Acorns rounds up the amount to the next dollar and puts the difference into an investment portfolio. For example, if I buy $3 worth of gas at Shell Station, Acorns will round up my purchase price from $2.99 to $3 and invest 50 cents in my portfolio. You can also set up automatic roundups so that every time you make a purchase using certain cards (credit or debit), it will be rounded up automatically!
  • Rebalancing: Rebalancing means finding out which investments are performing better than others and investing more money into those areas while taking some away from less successful ones until everything balances out again–like when someone tips over their tea cup but then tries again until they get it right! The goal here is for all of your investments to grow equally so that none perform better than another because otherwise, one would take over another’s role within your portfolio, which could lead down dangerous paths like losing money instead of gaining profit.


Robinhood is a financial services company that offers its users the ability to buy and sell stocks, ETFs, options, and cryptocurrencies. The app has become popular because it provides users with no-fee trading.

This means that you can invest in the stock market without having to pay fees for each trade. The Robinhood app was launched in 2014 and has since grown into one of the most popular apps for stock trading on mobile devices. It currently has over 5 million active users who have made over $100 billion worth of trades through its platform since launch!


Venmo is a mobile payment app that allows you to send money to friends and family. You can also use Venmo to shop at participating retailers, including Amazon, Sephora, and Whole Foods Market.

The app is free to download on both iOS and Android devices; however, there is an optional $0.30 fee per transaction if you want to use it as a payment method when making purchases in-store or online (this fee applies only after your first purchase).

Venmo offers several features:

  • Send money instantly with just a phone number or email address–no need for bank account details.
  • Split bills with friends by linking accounts together through the app’s “Pay Friends” feature (this feature is currently available only in the United States).


Mint is a budgeting app that helps you keep track of your spending and budget. It’s free to use, but there are premium features available if you want them. Mint has been around since 2007, so it’s one of the oldest apps on this list.

They were acquired by Intuit in 2009, which owns TurboTax and QuickBooks, among others; this has allowed them to grow their team significantly over time as well as build out some very useful features like Mint Bills (which helps you manage bills) and Mint Card Watch (which alerts you when an unexpected charge shows up).

The app is designed with simplicity in mind: it’s easy to enter transactions into your account without having to worry about formatting or anything else getting in the way of what matters most–tracking your money!


SoFi is a personal finance app that helps you manage your money and make smarter decisions. The app’s features include:

  • A savings tool that helps you set aside money for future goals, like saving up for a vacation or buying a house.
  • An investment tracker, which shows how much money you’ve made from investments over time and how it compares to other users in your age group.
  • A credit score tracker, so you can see how well (or not) your credit score is doing over time.


The takeaway from this article is that we’re in a time of great change. Financial technology has taken off, and there are some exciting new apps on the horizon.

The best fintech apps in 2023 will be those that help you manage your money better, whether it’s tracking spending or helping you save for retirement. They’ll also take advantage of advances in AI and blockchain technology to make everything more convenient for consumers–and potentially even cheaper!

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