Tailored for Fintech startups — see how this comparison applies to your industry below.
Greta Agency
vs Netguru.
Netguru is a large enterprise agency with a long track record. We're built for Fintech founders who can't afford to wait. Here's an honest breakdown.
Head to Head
Lean, AI-assisted engineering. Senior engineers ship production-ready products with minimal overhead and maximum velocity.
Large Polish software agency with global delivery centres. Process-heavy model optimised for enterprise scale.
1–4 week MVPs. Tight feedback loops with founders mean decisions happen in hours, not sprint reviews.
Typical engagements run 3–6 months before meaningful delivery. Discovery and workshops front-load the timeline.
AI-native from the ground up. Every workflow — code review, testing, deployment — is accelerated by modern AI tooling.
Slowly integrating AI into existing processes. Traditional delivery model hasn't fundamentally changed.
Startup-friendly project pricing. You know the cost before work begins — no surprise invoices.
Premium agency rates starting at $40–80/hr across large teams. Projects easily exceed $100K for modest scope.
Small, senior-only squads. No junior developers, no unnecessary roles — every seat adds direct value.
Large cross-functional teams with designers, developers, PMs, QA, and account managers — billable hours everywhere.
Direct access to the engineers building your product. Async-first with real-time availability when it matters.
Account management layer between you and the technical team. Formalised reporting cycles slow down decisions.
100% yours from commit one. Your repo, your infrastructure, your IP — always.
Code is transferred on project close, but built on their internal component libraries and patterns.
Built for founders who pivot. Scope changes are absorbed into the working process without renegotiating the contract.
Formal change management process. New requirements require SOW amendments and timeline renegotiation.
We stay engaged as your engineering partner — new features, scaling, and iteration on your roadmap.
Structured maintenance contracts available, but active development post-launch requires a fresh engagement.
Startups and scale-ups that need to ship real products fast without sacrificing quality or burning runway.
Enterprise clients with large budgets, long timelines, and a preference for established agency credentials.
Why choose Greta
- Ship production-ready products in weeks, not quarters — without sacrificing architecture quality
- Senior-only engineers who have shipped real products, not junior developers learning on your budget
- Fixed project pricing with full scope transparency — no per-seat or per-hour surprises
- Direct Slack access to your builders — zero PM telephone game or status report theatre
- Pivot-ready process that adapts when your product strategy evolves
- Full IP and infrastructure ownership from day one, zero vendor lock-in
When Netguru makes sense
- You're an established enterprise with long-term, large-scale delivery needs and a big budget
- Your project requires a large, sustained team (20+ engineers) over multiple years
- You need an agency with extensive EU market experience and GDPR-specialist knowledge
- Your procurement requires a large, ISO-certified vendor with a multi-decade track record
Why Fintech startups choose Greta over Netguru
Netguru has worked with fintech clients, but their delivery model — built around large teams and long timelines — doesn't suit the early-stage fintech founder racing to a regulatory approval or a first institutional partnership. Greta understands fintech architecture: PSD2/Open Banking integrations, payment gateway abstraction layers, KYC workflow tooling, and fraud-resistant data models. We build with compliance as a first-class requirement and deliver fast enough that you hit your fundraising milestones with working software in hand.
Talk to us about your Fintech productYour runway is finite. Ship faster.
Don't spend six months in discovery. Get a production-ready Fintech product built by engineers who understand startup speed.
Start your Fintech project with Greta