From industry-wide data, a simple fintech or payments wallet app can cost around US $30–50K. Costs rise when AI features, analytics, advanced security, or multi-platform support are added. The main cost drivers are not only the features but also platform choice, compliance and security requirements, and long-term maintenance. For SMBs that want to automate accounting, payments, or credit scoring, AI-enabled fintech automation can be cost-intensive but it provides strong value by streamlining financial workflows and reducing manual effort.