Top Fintech Software Development Companies & Fintech Software Developers in UK

Are you searching online for the best fintech development services providers that know about the latest finance technologies? Yes, for fintech software development, it is important for developers to know the basics of fintech. But you don’t have to worry about finding them and asking tons of individuals a lot of questions. SelectedFirms is here to help you. We provide information to help you hire good Fintech software development companies. Go Pick the best one for the scalability of your business.
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4.9 out of 5, based on 140 real reviews.
70 Companies | Rankings updated: Jan 03, 2026

List of Top Fintech Software Development Companies & Fintech Software Development Services Providers in UK

Teceze

Teceze

Managed IT Services Provider

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Teceze enables sustainable growth by delivering customized value-driven solutions with a global reach. Our agile approach and commercial flexibility help businesses of all sizes navigate change and scale confidently in the digital age. We specialize in modern Workplace solutions that help enterprises scale from local to global success. Our services including Managed IT, Cybersecurity, Field Support Operations, and Global Sourcing—harness advanced technology to optimize costs, increase productivity, and drive growth.

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10% Software Development
20% Fintech Software Development
Inside Service Listing

$100-$149/hr

Inside Service Listing

$10,000 - $20,000

Inside Service Listing

200 - 500

Inside Service Listing

UK

Toru Digital

Toru Digital

Digital Design & Software Development

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We are passionate about creating innovative digital solutions that drive success and push boundaries, enabling our clients to achieve their business goals.

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11% Software Development
17% Fintech Software Development
Inside Service Listing

N/A

Inside Service Listing

$1,000+

Inside Service Listing

10 - 49

Inside Service Listing

UK

Crunch

Crunch

High performance dedicated teams globally

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We create specialised software development teams that grow businesses' technological proficiency. We collaborate with the top engineers in Eastern Europe to help you produce high-quality software more quickly than anybody else. All of our clients, who manage medium-sized to large-sized businesses in the US, Canada, Switzerland, Germany, the Netherlands, and ten other European nations, are willing to suggest Crunch as a reliable development partner.

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25% Software Development
15% Fintech Software Development
Inside Service Listing

$25-$49/hr

Inside Service Listing

$10,000+

Inside Service Listing

50 - 249

Inside Service Listing

UK

Sigma Software

Sigma Software

Your Reliable Tech Partner

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Sigma Software, a team of 2000 IT experts in Sweden, the US, Poland, and Ukraine, has been providing smart solutions to businesses for over 20 years. As a top outsourcing company and part of the Scandinavian technology consulting group, Sigma offers turn-key software product development, custom software solutions, IT consulting, support, big data solutions, and R&D in Extended Reality, AI, and IoT.

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25% Software Development
15% Fintech Software Development
Inside Service Listing

$50-$99/hr

Inside Service Listing

$50,000+

Inside Service Listing

1,000 - 9,999

Inside Service Listing

UK

MWDN

MWDN

Unique teams for unique companies

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MWDN is a global all-in-one hiring service provider bridging the talent gap with top 5% experts across different time zones for companies of any size and stage in Israel, Europe, the USA, and Canada. We provide IT outstaffing, recruitment (headhunting) and flexible models like outstuff-to-hire for our partners already 23 years. We also customize our services for each client, and some of them have stayed with us for 17 years! Clients confidently rely on MWDN to hire or build teams in such industries as cybersecurity, healthcare, fintech, blockchain, logistics and 10 more. What we offer: ? Unlimited talent access worldwide and 200K+ vetted experts across every major tech stack, ready when you are ? The first 4–5 pre-qualified candidates within 1 week ? $6–7K saving per hire monthly on direct labor costs and other payment plans for tight-budget projects ? 23 years of expertise in 15 industries ? Full-cycle support: from headhunting to HR, payroll, legal & retention — everything an in-house team provides ? Risk-free collaboration: trial period and guaranteed replacement included We are about proven reliability: 23 years in business, 96% referral rate, 4.9/5 client satisfaction and global trust: 400 clients worldwide across 4 continents.

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100% Software Development
10% Fintech Software Development
Inside Service Listing

$25-$49/hr

Inside Service Listing

$25,000+

Inside Service Listing

140 - 170

Inside Service Listing

UK

WaveAccess

WaveAccess

Custom software development & IT consulting

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WaveAccess is an international results-driven company that provides high quality custom software development services.    Supporting customers with talented software engineers and a vast experience of cutting-edge technologies, WaveAccess builds innovative software solutions and significantly reduces development risks and costs. The company's highly skilled specialists have implemented over 1200 successful projects for market leaders, ambitious startups, and government institutions globally.   Among the company's key services: — Web & Mobile application development — Building AI and Machine Learning based systems — System integration & optimization — Life Sciences development — IoT project development — Microsoft Dynamics CRM development, customization and implementation — Implementation of highly loaded & highly scalable systems — Building ETL & BI systems — Development of real time monitoring systems — Data import and migration — Blockchain implementation — Workflow and business process automation — Project recovery — IT consulting   The company is honored to have received numerous awards from prestigious organizations, including the Academy of Motion Pictures (Sci-Tech Awards), and Microsoft Partner Awards in Business Analytics, Artificial Intelligence, and Media & Communications. The company is a Microsoft Solutions Partner for Digital & App Innovation (Azure). It is also featured among the top IT companies across various categories on Clutch, SelectedFirms, TechBehemoths, DesignRush, and other reputable platforms and IT directories.

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50% Software Development
10% Fintech Software Development
Inside Service Listing

$50-$99/hr

Inside Service Listing

$50,000+

Inside Service Listing

850+

Inside Service Listing

UK

ZAPTA Technologies

ZAPTA Technologies

Custom Software Development

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ZAPTA Technologies is an AI driven software design and development company that partners with startups, enterprises, and funded ventures to deliver tailored digital solutions. We turn your ideas into scalable products, whether it’s building MVPs, enterprise-grade platforms, or assembling dedicated teams. We combine top talent of 500+ engineers, and collaborated with Fortune 500s including Meta, Walmart, Disney, Cisco and Nissan. Our expertise spans AI Transformation and Enablement, Custom Software Development, Web & Mobile App Development, UX/UI Design, Cloud Engineering, Dedicated Teams, and Software Consultation. We delivered 250+ projects with emerging technologies that are driving growth, efficiency, and long-term value for our partners.

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30% Software Development
10% Fintech Software Development
Inside Service Listing

$25-$49/hr

Inside Service Listing

$1,000 - $10,000

Inside Service Listing

50 - 100

Inside Service Listing

UK

SENLA

SENLA

Software Engineering Laboratory

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SENLA is a fast-growing software development company with a proven track record and 5 EU locations. Our team of 700+ certified technical specialists and managers has large expertise in a full-cycle development from BA to maintenance as well as separate services like QA or UX Audit.  For more than 10 years of operation we have successfully completed over 350 projects in FinTech, Healthcare, Manufacturing and other industries. Careful quality control, timely delivery and lifetime warranty have helped us win the loyalty of almost 90% of our clients who have decided to cooperate with us on a regular basis. Services: - custom software development - Web/mobile app development - IT staff augmentation - UX/UI Design - CRM consulting and SI - enterprise app modernization - BI& Big data consulting &SI Get in touch with us and scale your business fast and effortlessly

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25% Software Development
10% Fintech Software Development
Inside Service Listing

$25-$49/hr

Inside Service Listing

$10,000+

Inside Service Listing

500 - 1,000

Inside Service Listing

UK

Solar Digital

Solar Digital

Design-thinking software solutions

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Design-thinking web development team We are Solar Digital, a full-cycle design and web development company. We help businesses to grow and minimize the time of staff, scale and automate processes, and launch products through result-oriented development.  Our services: – Brand Identity development – Web and Mobile UX/UI design – Web & Mobile Applications – Creative Promo Websites – Full-stack development – E-commerce Development – MVP for Startups – Business Analysis and Quality Assurance – Custom CRM and Task Managers – Analytical Portal with Big Data – Logistics Transport Solutions – FinTech Solutions – TravelTech Solutions What's the outcome? Achieving your business goals and stable growth. – Startups that we made successfully reached an Exit and M&A – We developed a logistics product that helped grow x23 times in just 2 years – We design a custom CRM that saves the time of 25 managers – Our works received 100+ world-famous awards

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20% Software Development
10% Fintech Software Development
Inside Service Listing

$50-$99/hr

Inside Service Listing

$5,000+

Inside Service Listing

20 - 40

Inside Service Listing

UK

Seasia Infotech

Seasia Infotech

Enterprise AI Solutions

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Seasia Infotech, a CMMI Level 5 certified software development company, has been delivering innovative solutions for over two decades with the Seasia Agile Model (SAM). Our proprietary SAM, combined with our commitment to leveraging cutting-edge tools and technologies, sets us apart in the market, ensuring we deliver unparalleled value and quality in our software solutions. Here are more reasons to choose Seasia Infotech as your trusted software development partner: Future-Ready Solutions: Our forward-thinking strategies equip your business for future challenges. Data Security Priority: We prioritize rigorous data protection measures to safeguard your sensitive information. Global Talent Pool: Our diverse team of experts from around the world brings a wealth of perspectives and skills. Continuous Learning Culture: We are committed to ongoing education and skill enhancement, ensuring our team remains at the forefront of technology trends, delivering the best to you. Sustainable Practices: We emphasize eco-friendly and sustainable software development methodologies. Beyond software development, our services include: Custom Software Development Mobile App Development (iOS, Android, Cross-Platform) AI & Machine Learning Solutions Web Development (Frontend & Backend) Enterprise Solutions (ERP, CRM, CMS) Cloud Computing & DevOps Blockchain Solutions E-commerce Development IoT Development AR/VR Solutions Cybersecurity & Enterprise Security Data Analytics & Big Data UI/UX Design Quality Engineering & AI-Powered Testing Low-Code/No-Code Development Agentic AI Digital Transformation & Smart Automation Generative AI (Chatbots, Image & Text Generation) DataOps & Governance BPM Automation Document Intelligence With a proven track record working with industry leaders like Harley Davidson, Mahindra, Adani, Flipkart, BD, Assurant, Dr. First, Sumeru, and Massachusetts Medical Society, we consistently deliver solutions that exceed industry standards.

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20% Software Development
10% Fintech Software Development
Inside Service Listing

$25-$49/hr

Inside Service Listing

$5,000+

Inside Service Listing

500 - 999

Inside Service Listing

UK

EchoGlobal

EchoGlobal

Hire Top Remote Tech Talent

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Echo serves as a bridge in the IT staffing and team augmentation, linking reputable businesses across the world with highly skilled remote software developers from Eastern Europe, the Baltic region, the Balkans and Turkey. Our focus is on delivering outstanding engineering talent that aligns seamlessly with your company values and culture. No random profiles, no AI. Instead, we focus on real human connections and bring you professionals who are excited to work with you.

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20% Software Development
10% Fintech Software Development
Inside Service Listing

$25-$49/hr

Inside Service Listing

$10,000+

Inside Service Listing

20 - 50

Inside Service Listing

UK

Ezulix Software Pvt Ltd

Ezulix Software Pvt Ltd

Custom Software and Web Development Company

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We are one of the most chosen  IT firm that offers major solutions and puts forward the supreme effort to transform industries and generate the highest revenue. Ezulix Software Private Limited proves all mentioned qualities true being the best custom software and website development company in India. To create and grow the client's business and start-ups, a spectacular team of dedicated specialists is equipped with top-notch services. Ezulix Software offers services-  Custom software development Website development  Mobile app development (Android and iOS) Fintech software development and API services  Food delivery and booking software  Cab booking software development AEPS software  Fantasy sport software CRM software  Recharge software 

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20% Software Development
10% Fintech Software Development
Inside Service Listing

N/A

Inside Service Listing

$5,000 - $25,000

Inside Service Listing

50 - 100

Inside Service Listing

UK

Kodexo Labs

Kodexo Labs

Create - Inspire - Deliver

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At Kodexo Labs, we turn bold ideas into intelligent digital products. As a top-tier AI software development company, we help startups and enterprises solve real problems with smart, scalable, and future-ready solutions. From generative AI and machine learning to mobile and web app development, we build what matters—fast. With 79+ successful projects and 13 currently active, our track record speaks for itself. We're trusted across 17 global locations and have scaled products like Teacher AI to over 69,000 paid users. That’s not just growth—it’s proof our work performs in the real world. We specialize in AI-driven software development across industries like healthcare, e-commerce, education, automotive, real estate, energy, and more. Whether you're launching an MVP or modernizing a legacy platform, we design with users in mind and engineer for business impact. Our process is simple and effective: discover, design, develop, launch, and scale. You get a dedicated team, real results, and zero fluff. If you're serious about building smarter, faster, and more secure digital products—Kodexo Labs is your partner, not just a provider. Let’s build the future, together.

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20% Software Development
10% Fintech Software Development
Inside Service Listing

$25-$49/hr

Inside Service Listing

$10,000+

Inside Service Listing

50 - 249

Inside Service Listing

UK

Erbis

Erbis

Expert development. Expert delivery.

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Erbis, a tech powerhouse with over 100 engineers, has successfully optimized costs by $110M for over 45 clients worldwide, driving revenue growth and maximizing profits.

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20% Software Development
10% Fintech Software Development
Inside Service Listing

$25-$49/hr

Inside Service Listing

$10,000+

Inside Service Listing

50 - 249

Inside Service Listing

UK

Eleventh Tech

Eleventh Tech

We build innovative software for your success

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Eleventh Tech is a custom software development agency dedicated to transforming businesses through innovative, tailored solutions. We empower companies to enhance their services, improve efficiency, and build meaningful connections with their target audiences. As a full-service development firm, we specialize in web application development and website design, delivering high-quality, customized solutions designed to meet the unique needs of each client. Our expertise spans various industries, including retail, healthcare, e-commerce, finance, education, and real estate. Whether you’re looking to streamline operations, improve customer engagement, or launch a cutting-edge digital product, Eleventh Tech is here to bring your vision to life.  

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20% Software Development
10% Fintech Software Development
Inside Service Listing

$25-$49/hr

Inside Service Listing

$10,000 - $50,000

Inside Service Listing

25 - 50

Inside Service Listing

UK

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Founded in 2015, Pi Webpress is a results-driven web development agency in London delivering high-quality digital solutions for startups, SMEs, and global brands. With a dedicated team of WordPress experts, Laravel developers, and eCommerce specialists, we design and build powerful websites and scalable web applications that help businesses grow online. Our core services include custom website development, eCommerce solutions, UI/UX design, branding, and digital marketing. From WordPress and Shopify sites to Laravel-based SaaS platforms, we craft tailored digital experiences that combine speed, usability, and SEO best practices. At Pi Webpress, we don’t just build websites — we create results. Every project is backed by data-driven strategy, conversion optimization, and long-term technical support. With 250+ successful projects across the UK, UAE, and USA, we’re trusted by clients who value performance, transparency, and innovation. If you’re looking for a reliable partner to design, develop, and grow your online presence, Pi Webpress delivers the expertise and creativity to turn your ideas into success.

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15% Software Development
10% Fintech Software Development
Inside Service Listing

< $25/hr

Inside Service Listing

$500 - $50,000

Inside Service Listing

20 - 50

Inside Service Listing

UK

IDS Tech Solutions

IDS Tech Solutions

Driving Global Growth Through Digital Intelligence

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IDS Tech Solutions is a part of IDS Infotech, founded in 1989, and has been specializing in providing cutting-edge IT services for over 35 years across more than eight global locations. Our core expertise includes DevSecOps services, AI & ML development, software development, web and mobile app development, data integration, quality assurance & testing, and cloud solutions. Partner with us to accelerate your digital transformation and achieve innovative, scalable, and secure business solutions.

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10% Software Development
10% Fintech Software Development
Inside Service Listing

N/A

Inside Service Listing

$0+

Inside Service Listing

1,001 - 3,000

Inside Service Listing

UK

SDLC Corp

SDLC Corp

Your Technology Partner

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SDLC Corp is a software development company founded in 2015 and headquartered in San Francisco, California, United States. The company operates with a global delivery presence across the USA, UK, UAE, India, Australia, and Canada. SDLC Corp employs 400+ professionals, including software engineers, solution architects, UI/UX designers, DevOps specialists, and technology consultants. The company works with startups, mid-sized & large businesses, and enterprises across multiple regions and industries. SDLC Corp provides custom software development services that include web application development, mobile application development for native and cross-platform environments, artificial intelligence and machine learning solutions, ERP development using Odoo and Salesforce, blockchain development, SaaS product engineering, cloud infrastructure and DevOps services, and game and iGaming development. These services support both new digital product development and the modernization, integration, and scaling of existing software systems. The company offers flexible engagement models such as dedicated development teams, full-cycle product development, and long-term IT outsourcing partnerships. These models are designed to support distributed engineering teams, continuous development roadmaps, and ongoing system maintenance. SDLC Corp serves clients across fintech, gaming and iGaming, healthcare, retail and e-commerce, logistics and supply chain, SaaS and technology, and manufacturing industries. Typical use cases include workflow automation, system integration, data-driven applications, secure transaction platforms, high-traffic digital systems, and enterprise software platforms. SDLC Corp follows structured software engineering practices that include requirement analysis, architecture planning, iterative development, quality assurance, deployment, and post-launch support. By aligning technology implementation with defined business requirements, the company supports operational efficiency, system reliability, and long-term digital scalability.

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30% Software Development
8% Fintech Software Development
Inside Service Listing

$25-$49/hr

Inside Service Listing

$10,000 - $50,000

Inside Service Listing

200 - 414

Inside Service Listing

UK

Inceptives Digital

Inceptives Digital

We are Mobile App Development Company

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Inceptives Digital is your trusted partner for mobile app development in the US. With more than 8 years of experience and a talented workforce of 150+ developers, we’ve created 70+ high-performing apps across 20+ industries. Our mission is to help businesses transform ideas into powerful digital solutions that connect with users and deliver lasting value. Through AI-driven innovation, intuitive design, and a results-focused approach, we empower startups and enterprises alike to achieve their goals and thrive in today’s competitive digital landscape.

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20% Software Development
5% Fintech Software Development
Inside Service Listing

$50-$99/hr

Inside Service Listing

$500 - $50,000

Inside Service Listing

50 - 99

Inside Service Listing

UK

Peachr

Peachr

Custom Software Development, Design & Consulting | Web and mobile applications for business

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Peachr is a Manchester-based software development studio specialising in web development, mobile apps, SEO services, and UI/UX design. We work with businesses across a range of sectors, from private dental clinics and health providers to tech startups building custom digital products that are fast, functional, and easy to use. Our team delivers solutions and platforms alongside search engine optimisation and long tail pay per click campaigns that help clients get discovered by the right audience online. Whether you need a new mobile app, a conversion focused website, or help attracting local traffic through SEO and PPC, we’re here to support your growth. Based in Manchester and working with businesses across the globe

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15% Software Development
5% Fintech Software Development
Inside Service Listing

$50-$99/hr

Inside Service Listing

$5,000 - $10,000

Inside Service Listing

9 - 14

Inside Service Listing

UK

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Buyer's Guide

Benefits of Hiring Fintech Software Development Companies

The fintech industry is expected to grow at a compound annual growth rate of approximately 25.18%, rising from its estimated $194 billion in 2023 to $492 billion by 2028.

Thus, the scope is there to build and take advantage of this scalability. To succeed, get mentors to guide you in building Fintech software to meet your needs.

Hire Fintech developers for their expertise and problem-solving skills to build a strong application.

By hiring them, you ensure the efficient development of secure and user-centric applications. They also help keep your app competitive in the digital world.

Let’s look at the services they offer. This will help you decide whether to hire Fintech software development services.

Improved Payment Systems: They help develop efficient payment systems, as in FinTech software, the payment systems should be smooth. Smooth payment systems refer to simplified transactions, customized user-interface and payment processing. A server down would be considered an exception.

Advanced security: The fintech software must be secured. The software developers are aware of the security protocols and tools to measure the vulnerabilities. Thus, you can hire them for the software's authentication and encryption, which is necessary in this fraudulent digital world.

Rapid Approval Rates: Fintech developers create apps with approval times of 24 to 48 hours. They are aware that application processing has been less irritating for people and makes the process easy to use.

Better user experience: Fintech experts make it easy for customers to access financial services. This helps them talk to your company naturally. It builds loyalty and increases customer satisfaction.

Top-preferred Fintech software development companies in UK based on budget.

If you want to hire a Fintech software company in the UK but are unsure who fits your budget. Don’t worry; we are providing you with exclusiveness free of cost. Here are the top fintech software companies and their average project costs from our website, SelectedFirms. Here they are;

Budget

Preferred Fintech software development companies

Small Budget ($1000-$10,000)

Bytes Technolab Inc

Zeb Consultancy

Medium Budget ($10,000-$25,000)

Senla

Systango Technologies Ltd.

Large Budget ($25,000+)

Eleventh Tech

Wave Access

Technical and Soft Skills Checklist for Fintech Software Development Companies.

To hire the best fintech development companies in the UK, check their technical expertise and strong soft skills.

Technical Skills

Aware of security Protocols:

Fintech is directly responsible for providing smooth payment transactions with appropriate security. Fintech developers must understand security protocols to ensure encryption and authentication are built into the software.

Basic Knowledge of Finance:

If developers focus on fintech software, they should have basic knowledge of finance.

Updated with the trends:

Fintech software developers should stay updated on the latest technology trends. They should be curious about using AI, ML, Blockchain, and Big Data.

Programming Languages:

Programmers should be able to efficiently build software applications. For backend development, they should know programming languages like Python, Java, JavaScript, Scala, Ruby, and more. Moreover, front-end developers should be efficient in HTML, CSS, React, and Flutter frameworks and technologies.

Data Analysis:

Another important skill in which the software developer should have excellent knowledge is data analysis. The tools are Power BI, Tableau, Qlik, and Apache Spark, which are the essential tools they should be aware of.

Testing:

The main task of any Fintech application is to identify bugs and errors during testing. Aware of the testing process and tools and technologies.

Soft Skills

Critical-thinking :

Fintech software developers need to think differently. This helps them work faster and more efficiently on their projects. This skill would help them solve errors while coding, using, and integrating technologies.

Communication:

The experts of Fintech software development companies should be able to communicate clearly and transparently. They should be able to express their solutions to your queries effectively, whether verbal or written.

Problem-solving skills:

The Fintech developers should have problem-solving skills with your queries and errors that come in between development.

Learning-curved ability:

Development has always been the process of learning new things. Fintech software developers need to be curious and eager to learn new things.

They should also be excited to build and be creative during the development process.

Post-launch support:

The fintech developer should offer post-launch support, including bug fixes and regular updates. They should also maintain the ongoing application.

Moreover, they should be able to train your employees and explain security concerns to them.

Cost of hiring Fintech software development services providers in UK.

The cost of hiring FinTech software development firms in the UK can vary. This depends on the technology used, the project's complexity, and the needed features. As a result, costs vary from $30,000 to $300,000. The cost of more complex systems with high-security features, blockchain, or artificial intelligence is usually more than that of simpler applications.

Some other factors affect the total cost. Projects with a lot of features are more expensive than simple applications. The number of developers, designers, and testers also makes a difference since hiring more will be more expensive. Location is another factor: London-based fintech companies often charge more than the rest of the UK.

The cost will also depend on the technology applied. Advanced technologies like AI automation, blockchain, and big data analytics can be costly. However, they offer high security and great performance. Upwork has a list of top fintech developers.

These developers have a job success rate of over 90% and speak English well. They are also competitively priced by the hour. Companies should compare several service providers to find one with experience in fintech security and compliance.

Fintech Software Development Companies FAQs

Fintech software development companies in the UK provide many services. These include digital banking systems, payment processing, fraud detection, AI automation, and blockchain integration. Additionally, they provide B2B lending apps, trading platforms, insurtech, and customized financial software solutions.

 

A FinTech application's development timeline is mostly determined by the project's complexity and breadth. A complex financial platform using blockchain, AI, and strong security can take eight to nine months. In contrast, a simple fintech app may take three to six months.

 

New technologies like AI, machine learning, big data, and cloud computing are used in fintech software development. Furthermore, cybersecurity technologies and APIs have been used for security. Popular programming languages such as Python, Javascript, C++, and Java have also been used in fintech software development.

 

The Fintech solution software development company offers customized solutions to fulfill specific business needs. The services of the fintech software company include banking, insurance trading, lending, as well as payment processing.

 

SelectedFirms research and list verified FinTech software development companies with expertise in secure financial solutions, AI automation, and payment processing. The platform provides detailed company profiles, client reviews, and service offerings to help businesses choose the right partner.

 

A fintech software development company is examined based on profile verification, tech expertise, past projects, customer reviews, hourly rates, and recent industry activity.

 

Each company profile on SelectedFirms provides contact information, service descriptions, and links to the official company websites. This information helps businesses contact the companies directly to discuss projects.

Fintech solutions software development services providers protect financial data and transactions using several methods. They use data encryption and multi-factor authentication.
They also rely on AI-based fraud detection. Secure payment gateways help keep transactions safe. Continuous security updates with encryption further enhance protection.

 

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