Project Title: Development of AI-Driven Fintech Super App
📌 Industry: Fintech, Digital Payments, WealthTech, AI-Driven Financial Services
📍 Location: Remote (Preference for GCC-based Developers)
💰 Budget: Open for Competitive Bidding
📆 Project Duration: 6-12 Months (Phased Milestones)
📑 Project Type: Full-Stack Software Development (Web, Mobile, API Integrations)

Project Overview
We are seeking a highly skilled software development team or individual developers to design, develop, and deploy an AI-powered fintech super app that seamlessly integrates digital banking, AI-driven investment management, instant payments, and embedded finance solutions.

This platform will leverage AI to provide personalized financial insights, multi-currency support, automated wealth management, and real-time risk assessments, ensuring a secure, scalable, and compliant financial ecosystem for users across GCC markets.

Core Features & Functionalities
1. AI-Powered Digital Banking & Wallet
✅ Multi-currency e-wallet with real-time forex optimization
✅ AI-driven expense categorization and predictive financial analytics
✅ PSD2/Open Banking API integration for real-time bank account linking
✅ Biometric authentication and AI-based fraud detection

2. Embedded Finance & Instant Payments
✅ Seamless peer-to-peer (P2P) and cross-border payments with blockchain security
✅ Integration with GCC financial institutions for direct bank transfers
✅ Tokenized virtual & physical debit card issuance
✅ Real-time payment notifications and reconciliation dashboards

3. AI-Powered Wealth Management & Investment Automation
✅ Automated Robo-advisory services for stock, ETF, and crypto investments
✅ AI-based risk assessment and portfolio recommendations
✅ Real-time market insights with AI-powered predictive modeling
✅ Regulatory compliance with GCC investment and wealth management laws

4. Regulatory Compliance & Cybersecurity
✅ KYC/KYB verification with national ID system integrations (e.g., UAE Pass, Absher)
✅ GDPR, AML, and PCI DSS compliance for secure data handling
✅ AI-driven fraud detection and risk scoring models
✅ Multi-layered security with biometric authentication and data encryption

Technology Stack (Preferred but Open to Alternatives)
Frontend: React.js, React Native, Flutter
Backend: Node.js, Python (Django/FastAPI), Golang
Database: PostgreSQL, MongoDB, Firebase
Cloud Infrastructure: AWS, Azure, Google Cloud (Serverless, Kubernetes)
AI/ML: TensorFlow, Scikit-learn, PyTorch for financial modeling & risk assessment
Blockchain (Optional): Hyperledger, Ethereum for smart contract integration
Security: OAuth 2.0, JWT Authentication, Multi-Factor Authentication
Bidding Requirements
1. Proposal Submission
🔹 Technical proposal detailing the development approach, project milestones, and tech stack
🔹 Experience in fintech, AI-driven analytics, and digital payment integrations
🔹 Portfolio showcasing fintech or AI-powered financial applications
🔹 Detailed cost estimation with breakdown of development, security, and compliance considerations

2. Preferred Developer Profile
🔹 5+ years of experience in fintech software development and AI-driven platforms
🔹 Expertise in API-driven financial applications, wealth management, and digital banking
🔹 Understanding of GCC fintech regulations and compliance frameworks

Selection Criteria & Timeline
📅 Proposal Submission Deadline: [April 2025]
📅 Shortlisting & Interviews: [May 2025]
📅 Project Kickoff: [Dec 2025]

🚀 We are looking for a software development team that can create a cutting-edge fintech super app with AI-driven financial intelligence, secure multi-currency payments, and embedded wealth management services.

🔗 Submit your proposal, including previous project links.