A good starting point is to either hire a developer or engage a dedicated team, depending on your needs. For those who want to test the concept without risking too much upfront, opting for an MVP (Minimum Viable Product) could be a great option. It allows you to validate your idea, gather feedback, and refine the product without committing to a full-scale development. You can always reach out to development agencies like Patternica
https://patternica.com/fintech to discuss your project and get expert advice on the best approach based on your requirements. With fintech apps, especially those related to wealth management or digital banking, it's crucial to ensure the software is scalable and secure from the beginning.