There really is no one-size-fits-all answer to this question, as the best way to create a fintech app will vary depending on the specifics of your project. However, some tips that may be useful include:

1. Research the fintech industry - Before you even start brainstorming ideas for your app, it's important to understand what fintech is and what it entails. Do some research to familiarize yourself with the basics of the industry so that you have a better understanding of what your app should focus on.

2. Think about how you can improve the user experience - One of the key ways to make your app stand out is by improving the user experience. This means designing your app in a way that makes it easy and fun to use.

3. Consider how you can monetize your app - Once you've created a quality app, it's important to think about how you can monetize it. This could involve developing new features or selling advertising space on your app.

4. Plan for long-term viability - Making an app is one thing - sustaining it over time is another challenge entirely. Make sure to think about how you will keep your app updated and relevant, as well as find ways to generate revenue from it in the long run.

Hopefully, these tips will help get you started on the right track in creating a fintech app! If you have any additional questions, please don't hesitate to contact.

Creating a FinTech app can be a complex and multi-step process. Here is a general outline of the steps involved:

1)Conduct market research: Understand the needs of your target market and identify any gaps in the current FinTech landscape that your app can fill.

2)Define your app's functionality: Determine what specific features your app will have and how they will help users achieve their financial goals.

3)Create a business plan: Develop a clear and detailed business plan that outlines your app's value proposition, target market, revenue model, and financial projections.

4)Obtain necessary licenses and approvals: Depending on the type of FinTech app you are creating, you may need to obtain licenses and approvals from regulatory bodies such as the Financial Conduct Authority (FCA) in the UK.

5)Build your team: Assemble a team of experienced developers, designers, and business professionals who can help you bring your app to life.

6)Develop the app: Use agile development methodologies to create and test your app, working closely with your team to ensure it meets all relevant legal and security requirements.

7)Test and launch: Test your app thoroughly to ensure it is user-friendly and secure, and then launch it on the appropriate app stores.

8)Market and promote your app: Create a marketing strategy to promote your app and attract users to it.

9)Monitor and improve: Monitor your app's performance and user feedback, and make improvements as necessary.

It is important to note that this is a general outline and the specific steps and requirements may vary depending on the type of FinTech app and the country in which you are operating. It is advisable to consult with legal and financial experts to ensure compliance with all relevant regulations.

The short answer is to build software using certified components. Unless you run into specific issues of availability or complications, you can also opt to build everything yourself. The only question here is to have enough capital to go this route. This is also viable if you have funding from investors or grants to bridge that gap.