I'm not technical. Can I work with iDev?

Absolutely. Most of our clients are non-technical. Just tell us what you want the end result to look like — we handle all the technical details.

How much does it cost to hire iDev?

We quote individually based on project scope and complexity. Initial consultation is completely free — we give you a clear quote after understanding your needs. No fit, no charge.

How big is the iDev team?

A few core members, each capable of delivering full-stack independently. We flexibly assign people based on project scale and can run multiple projects simultaneously.

What happens after project delivery?

We provide complete code and documentation at handover. For ongoing feature development or maintenance, we offer monthly or per-project arrangements. Most clients choose long-term collaboration.

What if I'm not satisfied with the project midway?

We confirm with you at every stage before moving forward. If the direction is off, we adjust immediately. If it truly can't continue, completed work is settled normally and all code is yours.

我完全不懂技术，能合作吗？

当然可以。我们的大部分客户都不是技术背景。你只需要告诉我们你想要什么效果，技术实现的事情完全由我们来处理。

费用大概是多少？

根据项目复杂度和功能范围单独报价。初次沟通完全免费，我们会在了解需求后给出明确报价，合适再开始，不合适不收费。

团队有几个人？

核心团队几个人，都是能独立交付的全栈开发者。根据项目规模灵活安排人手，可以同时推进多个项目，不用等排期。

项目做完以后怎么维护？

交付时会提供完整的代码和文档。后续如果需要功能迭代或维护，可以按月或按次合作。大部分客户选择了长期合作。

做到一半不满意怎么办？

每个阶段交付前都会和你确认。如果方向不对，我们及时调整。如果实在无法继续，已完成的部分正常结算，代码归你。

嵌入式金融 2026：当每个应用都成为金融服务入口

Embedded Finance 2026: When Every App Becomes a Financial Services Gateway

| iDev Research | 2026-08-31T08:44:21

分析嵌入式金融在 2026 年的最新发展趋势，从 BaaS 基础设施到垂直行业的深度整合，探讨非金融企业如何通过嵌入式金融创造新收入来源。

Analyzing the latest trends in embedded finance for 2026, from BaaS infrastructure to deep integration in vertical industries, exploring how non-financial enterprises create new revenue streams through embedded finance.

金融服务无处不在嵌入式金融正在从概念走向现实。到 2026 年，全球嵌入式金融市场规模已突破 3000 亿美元，预计到 2030 年将达到 7500 亿美元。越来越多的非金融企业正在将支付、借贷、保险等金融服务嵌入到自己的产品中。关键趋势BaaS（银行即服务）平台成熟，API 化的金融基础设施降低了接入门槛实时支付和跨境支付的嵌入式集成加速基于消费数据的个性化嵌入式借贷产品兴起嵌入式保险从电商扩展到出行、健康和教育领域加密货币和稳定币支付的嵌入式集成开始规模化行业应用案例电商平台提供分期付款，SaaS 工具内置发票融资，物流公司嵌入货运保险，教育平台整合学费贷款，社交应用推出 P2P 支付。嵌入式金融让金融服务在用户最需要的时刻自然出现，而无需跳转到独立的银行或金融应用。开发者视角对于开发者而言，嵌入式金融创造了新的技术需求：熟悉金融合规要求、掌握 PCI DSS 安全标准、理解支付流程编排和风控系统设计。掌握这些技能的开发者将在就业市场上获得显著优势。嵌入式金融的浪潮刚刚开始。对于有远见的科技公司和开发者来说，现在正是入局的最佳时机。

Financial Services EverywhereEmbedded finance is moving from concept to reality. By 2026, the global embedded finance market has exceeded USD 300 billion, projected to reach USD 750 billion by 2030. An increasing number of non-financial enterprises are embedding payment, lending, and insurance services into their products.Key TrendsBaaS (Banking as a Service) platforms mature as API-driven financial infrastructure lowers barriers to entryAccelerating embedded integration of real-time and cross-border paymentsRise of personalized embedded lending products based on consumption dataEmbedded insurance expanding from e-commerce to travel, health, and education sectorsEmbedded integration of cryptocurrency and stablecoin payments beginning to scaleIndustry Application CasesE-commerce platforms offer installment payments, SaaS tools include invoice financing, logistics companies embed cargo insurance, education platforms integrate tuition loans, and social apps launch P2P payments. Embedded finance makes financial services appear naturally at the moment users need them most, without redirecting to separate banking or finance apps.Developer PerspectiveFor developers, embedded finance creates new technical demands: familiarity with financial compliance requirements, mastery of PCI DSS security standards, and understanding of payment flow orchestration and risk control system design. Developers with these skills will gain significant advantages in the job market.The wave of embedded finance has just begun. For forward-thinking tech companies and developers, now is the best time to get involved.

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