A generic software agency can make a fintech product, but the lack of subject expertise raises the delivery risk and the overall cost. If the project is the first time that engineers are dealing with fintech-specific standards, they will need to investigate and put them in place throughout the engagement, lengthening deadlines and the risk of compliance gaps. The cost of the rework that is needed to fill such gaps after the first development is generally more than the cost of the difference between a general agency and a fintech-focused team.