Emerging fintechs must carefully allocate limited development resources. MVP costs for neobanks range from $150K-$500K, while investment platforms start at $300K-$800K. The 2025 startup guide analyzes essential versus nice-to-have features, licensing costs for banking-as-a-service providers, and lean development approaches for compliance-critical components. Founders will learn how to prioritize spending between core banking integrations, user experience polish, and growth-focused features while preserving runway and meeting investor expectations in competitive fintech verticals.
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