Creating a FinTech app can be a complex and multi-step process. Here is a general outline of the steps involved:

1)Conduct market research: Understand the needs of your target market and identify any gaps in the current FinTech landscape that your app can fill.

2)Define your app's functionality: Determine what specific features your app will have and how they will help users achieve their financial goals.

3)Create a business plan: Develop a clear and detailed business plan that outlines your app's value proposition, target market, revenue model, and financial projections.

4)Obtain necessary licenses and approvals: Depending on the type of FinTech app you are creating, you may need to obtain licenses and approvals from regulatory bodies such as the Financial Conduct Authority (FCA) in the UK.

5)Build your team: Assemble a team of experienced developers, designers, and business professionals who can help you bring your app to life.

6)Develop the app: Use agile development methodologies to create and test your app, working closely with your team to ensure it meets all relevant legal and security requirements.

7)Test and launch: Test your app thoroughly to ensure it is user-friendly and secure, and then launch it on the appropriate app stores.

8)Market and promote your app: Create a marketing strategy to promote your app and attract users to it.

9)Monitor and improve: Monitor your app's performance and user feedback, and make improvements as necessary.

It is important to note that this is a general outline and the specific steps and requirements may vary depending on the type of FinTech app and the country in which you are operating. It is advisable to consult with legal and financial experts to ensure compliance with all relevant regulations.