Fintech Mobile App Development Services: 9 Firms Ranked

short answer

Shipping a first money app to US iOS and Android users? Our order: Digital Heroes, DashDevs, GeekyAnts, Intellectsoft, *instinctools, Appinventiv, Artkai, Agilie and DICEUS. DashDevs has the deepest fintech record and says it builds in North America, though its named open banking work spans UK, EU and MENA. GeekyAnts fits a shared-code build. Intellectsoft lists consumer finance apps and a New York address. *instinctools offers native depth but no fixed price. We lead on terms; our weak spot is below.

§ 01 · how we ranked

What a money app needs from its builder. Six tests, written down first.

Users judge a fintech app on the screens they see after something goes wrong: a declined card, a transfer stuck on pending, a phone that has been stolen. Before launch, Apple and Google check who submits it, and a partner bank checks how it guards customer data. So these tests put shipped money apps and store readiness ahead of headcount.

The six tests

Money apps you can open. Banking, wallet, lending or trading apps that the firm itself publishes, with the part it built stated.
Rails for your market. The bank data, card, identity and payout providers it names, and whether they serve customers in the US.
Security on the phone, to a named standard. Storage, sign-in, network and tamper controls described in the groups OWASP's mobile standard uses, not in adjectives.
Store readiness. Working knowledge of Apple's and Google's finance rules, and a plan to ship under your developer accounts rather than the vendor's.
Contract shape and ownership. Whether a fixed price is on offer, and when the code and accounts become yours.
US reach. A US street address the firm publishes, and working hours that cover part of a US day.

Weighted for a US company whose first release is one money flow on two platforms, built on licensed partners. A bank replacing its whole mobile channel would weight the tests differently and would get a different order.

disclosure

Now the disclosure, because a list that hides who wrote it is an advert. Digital Heroes compiled this page and put itself in first place. The order is our assessment against the six criteria above rather than measured performance, we did not test any competitor. No firm paid for a place, nothing here earns us a referral fee, and we link to none of the eight competitors, so search for each one by name.

§ 02 · the ranking

Fintech mobile app development services from nine firms, ranked.

Each entry gives the offices the firm prints on its own site, the money apps it says it built, how it contracts where it says so, and the kind of buyer who should look elsewhere.

pick 01 · our own firm

Digital Heroes

New York HQ at 1140 Broadway for leadership and account directors · code written in Delhi, Lucknow and, for iOS and Android, Sydney · since 2017

First for this page's buyer: a US company wanting its first money app built on licensed partners, at a fixed price, with every account in its own name. Two paid weeks of discovery end in a threat model, a data flow map and a check on where secrets live, before any build price is set. Your repositories and cloud accounts hold the work from sprint one, and code written for you is assigned to you once paid in full.

Our weakest test is the first. No banking, wallet or lending app appears among our published case studies, so there is none to show you. The nearest work is the pair of AirTrainr mobile apps, one for athletes and one for trainers, built in React Native with Expo on Supabase, where trainers track what they earn; and SpeedyPrint, a print store whose PayFast checkout runs on payment webhooks.

From the first build sprint, each week ends with a recorded demo of the working app, and we do not bill a week that has none. Our New York headquarters answers on the day you write, on weekdays from 9 AM until 6 PM New York time. Clutch lists us at 5.0 from 66 verified reviews (checked 13 October 2026). The fintech product page lists the payment, bank data and identity work we take on.

Fits: a US startup or product team launching a payments, wallet or lending app on licensed partners, that wants a fixed price, replies in Eastern hours and the developer accounts in its own name.

Does not fit: anyone who will only sign after seeing a shipped banking or wallet app the vendor built, which DashDevs and GeekyAnts can point to and we cannot; a contract that insists on US-based engineers; a bank replacing its core platform; and jobs too small to justify a senior engineer plus a designer.

pick 02

DashDevs

Offices in London, Wilmington (Delaware), Budapest, Warsaw and Lisbon · 15 years in fintech, by its own count · fintech first, with a few other industries on its menu

The most fintech-focused firm here. It says it builds regulated financial products for startups, banks and fintech companies, and it sells Fintech Core, a configurable layer for customers, payments, accounts and reporting, with ready blocks for a ledger, KYC flows and card issuing. Fintech Core is meant to sit on top of a licensed partner rather than stand in for one, the site explains, and it puts typical time into production at 12 weeks.

Its named work includes the core banking orchestration behind Dozens, a UK challenger bank whose own site now says it has closed, and the open banking engine for Tarabut, a regulated open banking platform in the Middle East and North Africa (MENA). The providers it names are TrueLayer, Yapily and Tink for open banking; Marqeta, Modulr, Adyen and Stripe for cards and payments; and Sumsub, Veriff and Onfido for identity checks.

Fits: teams launching under a partner licence that want a ready base for wallets, ledger, onboarding and cards, and products aimed at Europe, North America or MENA, the markets it says it builds for.

Does not fit: a US-only app whose bank linking runs on US rails, since it describes its open banking integrations as UK, EU and MENA work, so ask for US references. Also buyers who want no vendor platform inside their product: get in writing what you keep of Fintech Core if you leave.

pick 03

GeekyAnts

Offices in Bangalore, London and San Francisco · 20 years of product engineering, by its own count · React Native and Flutter first

The cross-platform pick. GeekyAnts built NativeBase, an open-source component library for React Native, in 2016, and later gluestack as its successor; its React Native hiring page counts more than 250 React Native engineers. Its fintech page lists React Native first among its front-end tools, names Flutter and Expo too, and counts 40+ fintech engineers and 50+ fintech projects.

Named fintech work includes an admin platform for a North American fintech that runs cross-border payments, a mortgage planner for a UK fintech connected to more than 14 UK lenders with the MVP delivered in four months, wealth work with Bambu, and a crypto payments app for Zapit built end to end in nine weeks. Its engagement models start with a fintech discovery sprint of two to four weeks.

Fits: a team that has settled on a single React Native or Flutter code base shared by both platforms and wants a vendor with fintech cases built that way.

Does not fit: buyers set on fully native Swift and Kotlin apps, so ask who on the team writes them every day. Its FAQ says a simple fintech MVP may start around $10,000 to $20,000; check what a quote near that figure leaves out.

pick 04

Intellectsoft

Office at 500 Fashion Avenue, New York, with a London phone line · banking, wallets and trading among many industries

The pick for consumer finance apps with names you know. Its finance page lists a mobile app giving Experian Credit Report members quick access to their key information, a share price app for the London Stock Exchange with push alerts, watch lists and a stock finder, and a mobile banking platform that uses face and voice recognition with three-factor authentication.

It also lists a crypto wallet that sends Bitcoin and Ethereum with a shake of the phone. Its finance page promises a reply within one business day, an optional mutual NDA within one to two days, and a first estimate in about three to five days.

Fits: banks, credit businesses and trading firms that want a vendor with a New York address and named consumer finance apps behind it.

Does not fit: a startup that wants a fintech-only team, since finance is one of more than ten industries on its site. Its finance case studies carry no dates, so ask which were shipped recently and by whom.

pick 05

*instinctools

US headquarters in Potomac, Maryland, EU headquarters in Stuttgart, office in Warsaw · development centers in Poland, India, Kazakhstan and Latin America · working since 2000

The native-depth pick. Its fintech mobile page treats native iOS (Swift, SwiftUI and Combine, with Face ID, NFC tap to pay and Keychain storage), native Android with tamper detection, Flutter or React Native, progressive web apps and hybrid apps as separate offers, and it names Apple's App Review and Google Play's privacy rules as part of the work.

Its company page lists ISO 9001:2015 and ISO/IEC 27001:2022 among five ISO certifications, counts 400+ in-house professionals, keeps about 12% of its engineers on the bench for new projects, and promises six to eight hours of overlap with the US East Coast. Its FAQ puts a basic fintech app at around $70,000.

Fits: product owners who want native and cross-platform options from one vendor, East Coast overlap and an ISO 27001 certificate to hand a partner bank.

Does not fit: anyone who needs a fixed price. Its company page says it does not offer fixed-price contracts and bills time and materials or a managed capacity model instead.

pick 06

Appinventiv

Offices in Noida and Mohali (India), New York and Emeryville (California), Stones Corner (Queensland), Dubai, London and Calgary · 1,600+ specialists, by its own count

The largest firm on this list. Its fintech page covers mobile banking, multi-currency wallets with NFC contactless payments, trading platforms and P2P lending, claims more than 11 years of fintech work, and names the rules it works to: PCI DSS, PSD2, GDPR, AML and KYC checks, SOX and CCPA. Its mobile stack runs from native iOS and Android to React Native and Flutter.

Named finance work includes Mudra, a budgeting app, an AI assistant for a European bank's customer queries, and Edfundo, a platform that teaches children to manage money. Its FAQ puts fintech apps at $30,000 to $300,000 or more, and a low to medium complexity app at more than 2,000 hours.

Fits: enterprises that want one vendor for mobile, AI and cloud work, with offices on four continents.

Does not fit: teams after a fintech specialist group, since fintech is one practice among dozens on its menu. Ask for the fintech mobile history of the people you would get, not of the company.

pick 07

Artkai

A remote team, with no street address on its contact page · 100+ people in house · 8+ years in business

The design-led pick for banks. Its fintech page names ProCredit's web and mobile online banking, DNA Payments' tools for merchants, and Red Rocks, a financial wellness app sold to businesses. It says it has delivered more than 50 fintech products, and its about page puts 60% of its projects in fintech and enterprise work.

Its mobile stack lists Swift, Kotlin, Flutter, React Native and Ionic. It sells time and materials, a dedicated team or project-based work, hands over source code at launch and helps with app store submission. It builds web3 products too.

Fits: banks and payment companies that want web and mobile banking designed and built by one team.

Does not fit: buyers who want an office to visit. Its about page describes a remote team, and its contact page showed Europe, UK and US tabs but printed no street address when we read it.

pick 08

Agilie

Offices in Bratislava (Slovakia) and Tallinn (Estonia), plus a US phone number · 16 years in business · 50+ engineers

The white-label pick. Its mobile banking page offers GoFinance, a ready package for neobanks and mobile banks, along with card issuer integration, P2P payments in fiat and crypto, and multi-currency accounts in 50 currencies. The sign-in options it lists include PINs, Face ID, Touch ID and voice, with two-factor authentication and KYC.

The case it names on that page is Chameleon, a multi-currency crypto wallet. It says more than 10 fintech companies trust it, and its service menu includes an MVP in six weeks.

Fits: a neobank or wallet founder who would rather start from a white-label base than an empty repository, with a small team on European hours.

Does not fit: a US buyer who wants a US office, since its contact page lists offices only in Slovakia and Estonia; and a program that needs several teams at once from a bench of 50+ engineers.

pick 09

DICEUS

US headquarters in Wilmington, Delaware; offices in Denmark, Poland, Lithuania, the Faroe Islands, Austria, the UAE and Jordan, with Spain also listed · established 2011 · delivery center in Poland

The enterprise finance pick. Its fintech page covers mobile banking apps, contactless payment apps for iOS and Android, buy now pay later, lending and blockchain apps, and its menus run deep into insurance and core banking. It counts 250 full-time technical staff and 150 delivered projects, and offers fixed price, time and materials or a dedicated team.

Its named cases include E-Murabaha, an Islamic finance project on blockchain, the SmartValor blockchain app, and a payment plugin optimization for Pinpoint. Its process section says deployment is done on the client side, with DICEUS checking your environment and listing fixes before the date.

Fits: banks, lenders and insurers with their own IT and operations people who run releases.

Does not fit: a startup with nobody to run deployments, since the firm's own process hands deployment to the client.

We read more firms than the nine here and stopped there rather than pad the list to ten.

§ 03 · side by side

Nine firms on one page. Offices, apps, terms.

The offices column lists every office each firm printed, not a selection. Where a cell says the site does not state something, put that question to the firm first.

Five columns per firm, condensed from what each website said when we read it on 17 October 2026
#	Firm	Offices on its site	Money apps it names	How it contracts	Poor fit for
01	Digital Heroes	New York HQ (no engineers there), Delhi, Lucknow, London, Sydney	None published; AirTrainr apps and SpeedyPrint checkout are the nearest	Fixed price after paid discovery; dedicated team; retainer	A shipped money app required as proof
02	DashDevs	London, Wilmington, Budapest, Warsaw, Lisbon	Dozens core banking (bank since closed), Tarabut open banking	Custom build, Fintech Core, or engineers inside your team	US-only bank rails
03	GeekyAnts	Bangalore, London, San Francisco	Cross-border payments admin, UK mortgage planner, Zapit	Discovery sprint, then MVP, then product engineering	Fully native apps as a must
04	Intellectsoft	New York (only address printed)	Experian Credit Report app, LSE share price app	Dedicated teams, staff augmentation, MVP builds	A fintech-only team
05	*instinctools	Potomac (Maryland), Stuttgart, Warsaw; centers in Poland, India, Kazakhstan, Latin America	No finance client named on the pages we read	Time and materials or managed capacity; no fixed price	A fixed price
06	Appinventiv	Noida, Mohali, New York, Emeryville, Stones Corner, Dubai, London, Calgary	Mudra, Edfundo, a European bank's assistant	No model given on the pages we read	A fintech specialist team
07	Artkai	Remote; no street address printed	ProCredit, DNA Payments, Red Rocks	Time and materials, dedicated team, project based	An office to visit
08	Agilie	Bratislava, Tallinn	Chameleon crypto wallet; GoFinance white label	Dedicated teams, staff augmentation, outsourcing	A US office
09	DICEUS	Wilmington, Hellerup, Wroclaw, Vilnius, Torshavn, Vienna, Dubai, Amman; Spain listed	E-Murabaha, SmartValor, Pinpoint plugin	Fixed price, time and materials, dedicated team	No in-house release team

§ 04 · store rules

What Apple and Google ask of a money app. Before its first review.

A fintech app faces two reviews that rarely come up on a sales call: Apple's and Google's. Both stores have rules written for finance apps, and several of them decide whose name the app ships under. Each card links to the store's own text.

Who submits it to Apple

Apple's App Review Guidelines, at 5.1.1(ix), say apps in highly regulated fields, banking, financial services and crypto exchanges among them, should be submitted by a legal entity that provides the services, not by an individual developer. Section 3.2.1(viii) asks that trading, investing and money management apps come from the financial institution doing that work, licensed where the app is offered.

Apple's loan and crypto rules

Under 3.2.2(ix), a personal loan app must show all loan terms, including the equivalent maximum APR and the payment due date. It may not charge a maximum APR above 36% including costs and fees, or require repayment in full in 60 days or less. Section 3.1.5(i) allows crypto wallet apps only from developers enrolled as an organization.

Google Play's finance declaration

Google's Financial Services policy makes every app with financial features complete the Financial features declaration in Play Console, and says Google must be able to connect your developer account to the licences behind the product. Personal loan apps go in the Finance category and must show the maximum APR and the shortest and longest repayment periods.

Google Play's US loan limits

In the US, Google Play does not allow personal loan apps at an APR of 36% or higher, and the maximum APR shown must be worked out consistently with the Truth in Lending Act. Loan apps, loan lead generators, loan calculators and earned wage access apps may not use permissions such as contacts, photos, precise location or the phone number.

Read together, these rules settle a contract question. The Apple and Google developer accounts should belong to your company or your licensed partner from the start, so ask every firm on your shortlist whose account the app will ship under. If the answer is the agency's own, that plan runs against Apple's rule for regulated apps.

Apple also wants a privacy policy link in App Store Connect and inside the app. Our free privacy policy generator drafts a first version for your counsel to correct, and the loan calculator prints a repayment schedule to test a lending app's numbers against.

§ 05 · security on the phone

Security on the device, in OWASP's terms. Eight questions for every shortlist.

OWASP publishes the Mobile Application Security Verification Standard, which it calls the industry standard for mobile app security, in eight control groups. A firm that knows the standard will answer in those groups. The table pairs each group's scope, as OWASP states it, with a question we would put to any vendor.

The eight OWASP MASVS control groups, with the question we would ask a fintech app vendor about each
Group	What OWASP says it covers	Ask the firm
MASVS-STORAGE	Sensitive data stored on the device	Where does the session token live, and what is left on the phone after sign out?
MASVS-CRYPTO	Cryptography used to protect sensitive data	Which keys sit in the iOS Keychain or Android Keystore, and which never leave your server?
MASVS-AUTH	Authentication and authorization in the app	Which actions ask for a PIN or biometrics again, and does the server check that or only the app?
MASVS-NETWORK	Data in transit between the app and its servers	Do you pin certificates for our API, and how do you change a pin without breaking older app versions?
MASVS-PLATFORM	Interaction with the operating system and other apps	What shows in the app switcher preview, and what can other apps read from the clipboard?
MASVS-CODE	Safe data processing and keeping the app up to date	How would we force every user off a version with a known flaw?
MASVS-RESILIENCE	Reverse engineering and tampering	What does the app do on a rooted or jailbroken phone, and who signs off on that choice?
MASVS-PRIVACY	Controls that protect user privacy	Which data does the app collect that the product does not need?

OWASP pairs the standard with a testing guide, the MASTG, so an outside tester can check the answers before launch. Put that test in the plan and in the budget, whoever builds the app.

§ 06 · how to choose

Weigh three proposals. Then tell each a phone was stolen.

Write a brief of a single page and send it, unchanged, to three firms: the money flow, the providers you have picked or are weighing, the markets you will serve, and the date your partner bank expects a demo. Give each reply a mark of one to five per row below, weight it, and record the proof that earned each mark.

A weighted scorecard for fintech mobile app proposals, built on the six tests this ranking used
Test	Weight	Evidence to ask for
Money apps you can open	25%	A banking, wallet, lending or trading app live in the stores today, which part this firm wrote, and a client reference you pick
Rails for your market	20%	The bank data, card, identity and payout providers it has shipped with, for customers in your country
Security on the phone	15%	Answers to the eight MASVS questions above, and who runs the outside test
Store readiness	15%	Whose developer accounts the app ships under, and how the firm handled Apple's and Google's finance rules last time
Contract and ownership	15%	Fixed price or time and materials, the date the code is assigned to you, and what the vendor keeps
US reach	10%	Which US office picks up, during which hours, and who handles an outage at night

The stolen phone test

Tell each firm a customer's phone was taken, unlocked, on a Friday night. Ask them to walk you through the next hour: what stops a transfer from that device, how the customer locks the account from a laptop or a phone call, whether a new device must pass a fresh identity check before it can move money, and what your support team sees.

A team that has shipped money apps talks about device binding, step-up checks enforced on the server and revoking sessions. A team that has not talks about Face ID.

Who writes the native parts

Shared code and fully native apps can both carry a money app. The difference shows in biometrics, secure storage and tap to pay, where a cross-platform app still calls native code. Ask who maintains those modules and how fast they follow a new iOS or Android release. For studios that specialise in shared code, see our ranking of cross-platform app firms.

Our React Native work and iOS app work pages describe how we build each.

§ 07 · cost

What a fintech mobile build costs. Our figures, and four firms' own.

Our mobile app cost guide allows 3 to 5 months and $40,000 to $80,000 for a focused MVP; for a business app that adds payments, notifications, integrations and an admin dashboard, 5 to 8 months and $90,000 to $180,000. A money app with payments usually sits in that second band.

Bigger platforms fall under our custom software bands: $40,000 to $150,000 for a focused first version; $250,000 to $500,000 or more for complex enterprise platforms. Your price is set once discovery ends, against the written scope it produces. Four firms on this list also publish figures, and they are printed below as each site states them.

Published price and time signals for fintech and mobile apps, each from the firm's own page, read 17 October 2026; none of them is a quote
Firm	What its own page says	Where
Digital Heroes	Focused mobile MVP $40,000 to $80,000, 3 to 5 months; business app with payments $90,000 to $180,000, 5 to 8 months	Mobile app cost guide
DashDevs	Fintech MVP $40,000 to $120,000 or more; production platform $150,000 to $500,000 or more; MVP in 2 to 4 months	Fintech app development page
Appinventiv	Fintech apps $30,000 to $300,000 or more; over 2,000 hours for low to medium complexity	Fintech app development page
*instinctools	Basic fintech app from around $70,000; 3 to 6 months for low to medium complexity	Fintech mobile app page
GeekyAnts	Simple MVP from around $10,000 to $20,000; basic MVP 3 to 6 months; payments, wallets or lending 6 to 9 months	Fintech app development page

The spread is wide because "a fintech app" covers a budgeting tool and a neobank. Outside any build quote sit the per-use fees for payments, bank data and identity checks, an outside mobile penetration test before launch, and the yearly work of keeping up with new iOS and Android releases and with each provider's SDK changes.

To test a quote you already hold, the software quote checker turns a total into an implied hourly rate. If you have no brief yet, the requirements document generator writes one you can send to all three firms.

§ 08 · questions

Questions buyers ask, answered plainly.

How much does it cost to develop a fintech app?

Mostly it depends on what the app touches: payments, bank data, identity checks and how many providers sit behind them. On our mobile app cost guide, a focused MVP runs $40,000 to $80,000, and a business app with payments and integrations $90,000 to $180,000. DashDevs publishes $40,000 to $120,000 or more for a fintech MVP, and Appinventiv $30,000 to $300,000 or more for fintech apps. Provider fees and security testing come on top.

How much does it cost to pay someone to build a mobile app?

From an agency, our cost guide's bands are $40,000 to $80,000 for a focused MVP over 3 to 5 months, $90,000 to $180,000 for a mid-complexity business app with payments and an admin dashboard, and $200,000 to $500,000 or more for advanced or enterprise apps. A freelancer can cost less, but a money app needs design, backend, testing and security work at the same time, which is a lot for one person to carry.

What is fintech app development?

Building the phone or web app through which people pay, save, borrow, invest or watch their money. A fintech app seldom holds the money or the card numbers itself: a payment processor, a bank data service, an identity vendor and a licensed partner do that, and the app is the layer people touch. The work is the screens, the server, the links to those providers and the security on the device.

What are the dark sides of fintech?

Some are visible in the app store rules. Google Play keeps personal loan apps away from contacts, photos and precise location, and bans US personal loan apps at an APR of 36% or higher; Apple refuses loan apps that require full repayment in 60 days or less. Others are fraud through stolen phones and taken over accounts, and balances that depend on a partner the user never chose. Ask any builder how its app handles each.

How long does it take to build a fintech app?

With us, discovery takes two weeks and an MVP build usually 8 to 12 weeks after it; our cost guide plans 3 to 5 months for a focused mobile MVP from start to finish. GeekyAnts, for one, says three to six months for a basic fintech MVP and six to nine for payments, wallets or lending. Your partner bank's review and each store's review add time on top.

Can an agency publish our fintech app under its own developer account?

It should not. Apple's guidelines ask that banking and financial services apps be submitted by the legal entity that provides the service, not an individual developer, and Google Play asks that your developer account be linked to the licences behind the product. Register both accounts to your company and add the agency's people as users you can remove when the work ends.

Which security standard should a fintech mobile app be built to?

For the app itself, the OWASP Mobile Application Security Verification Standard, with its testing guide for the outside test before launch. An ISO 27001 certificate, which *instinctools and others list, describes how a company runs its security, not how a given app was built, so ask for both. Card data rules depend on where the card number is typed, which your payment provider will spell out.

Which company is best for fintech mobile app development services?

For a US company launching its first money app on licensed partners, our order is the nine firms above, Digital Heroes first, and that order is ours, so check it. If shipped banking apps matter most, look at DashDevs and GeekyAnts. For a New York address and named consumer finance apps, Intellectsoft. For native depth on time and materials terms, *instinctools.

Last reviewed 17 October 2026.

§ 09 · run us through it

Put your brief through the same six tests.

A first call takes 30 minutes and costs nothing. When the work suits us, the written scope and quote arrive within 48 hours. Mark our reply on the scorecard above beside two others, and if DashDevs or GeekyAnts comes out ahead for your app, hire them.

Book a call with a fintech engineer Our fintech product work Our mobile app work

related

Why work with Digital Heroes

115 people across five studios in New York, Delhi, London, Sydney and Lucknow, shipping ecommerce, web, software and mobile work for founder-led brands. Senior engineers only, no account-manager relay, and the same team from kickoff to launch.

Shopify Select Partner, as listed in the Shopify Partner Directory
Tier 1 registered supplier on the United Nations Global Marketplace, which requires audited company documentation
Top Rated Plus on Upwork, the bracket for the top 3% of talent by client outcomes
397 public five-star-weighted reviews across four Fiverr gigs, from clients in 36 countries
DUNS verified business, No. 650878346, so procurement can check us before signing
Listed by Clutch in Top 1000 Global B2B Companies and Top Web Designers 2024
Verified profiles on GoodFirms, DesignRush, Digital.com, AppFutura and TopDevelopers
2,000+ brands built across 40+ countries, with $50M+ in client revenue scaled

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Fintech mobile app development services, compared. Nine firms, ranked, each with the case against it.