Overview of Investment and Trading Apps Landscape

Yogesh Pant
May 03, 2024


While some of these applications are mobile banking apps with Investment as an add-on function, the majority of them are dedicated to investing alone. 

Undoubtedly, investing in the development of stock trading apps can yield a significant return. We invite you to consider the following insights as you embark on this potentially lucrative journey. 

Principal Learnings:

  • The first step in developing a stock trading app is building an investment platform, which is a back-end system that interfaces with stock exchanges and other services to provide data for a mobile investing app. Alsom learn how it helps in Fintech app development guide
  • How can we create an app for the stock market as quickly as possible? We can employ trading APIs from Zirra, Yahoo Finance, and other comparable stock metrics suppliers.  
  • If you want to build a trading platform similar to Robinhood, you cannot overstate the need for stress testing since a sudden user spike might cause trading to stop abruptly. 

Overview of the Market for Stock Trading Apps

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The popularity of trading applications has been on a steady rise. With the market's volatility during these turbulent times, people are seeing a chance to profit handsomely. By developing an investing app, you can provide them with the perfect tool. It's a smart move to tap into the potential of a mobile investing app. 

Are there other indications that stock trading software is becoming increasingly popular?

Quickly Expanding User Aspect

Here's a fantastic one: the Robinhood app, which is among the most widely used commission-free trading applications, has added users since 2017. By 2020, it will have 13 million active users, expanding by 4 million people annually. After that, the number increased to 22.5 million in 2021, fell to 14 million in 2022, and then dropped to 11 million in 2023.


More than 10 million users were still trading on the Robinhood app as of February 2024. This significant user base, coupled with the fact that assets managed by the platform surged beyond $100 billion, almost reaching the heights of meme stock trading during the height of Robinhood's rise, underscores the growing popularity of stock trading apps. Since the extended bad market has clearly reversed, it is anticipated that the number of stock trading program users will soar again. Most likely a favorable moment to create trading platform software. 

User Base of Robinhood App: A few other data points to the growing popularity of trading apps:

  • Forecasts suggest that the global online trading industry will rise at a compound annual growth rate (CAGR) of 6.4%, from an estimated $10.21 billion in 2022 to an estimated $13.3 billion by 2026.
  • By 2023, 61% of people were involved in the stock market.
  • Over 80% of stock market transactions in 2024 will be automated, so it makes sense to consider AI solutions for stock market software development.

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Top Mobile Banking Apps Are Adding Options for Investment

It's clear from the App Annie rankings that established banks with cutting-edge mobile banking applications are gradually including online investing tools in their apps:

  • Either directly as Chase Mobile or Wells Fargo Mobile
  • Or via standalone applications, such as the Bank of America MyMerril App

Let's go further if this information alone doesn't inspire you to launch your trading platform.

Why Invest in Application Development for Stock Trading?

A recent study by Investopedia included 1,405 millennials as well as Gen X and Gen Z respondents. The survey yielded the following noteworthy statistics:

Roughly half of their income is kept in checking and savings accounts, with just 23-38% invested. Does this have potential? 

Types for Stock Trading Software


If you're considering creating an app for stock trading, you have several options. Let's delve into the most common choices you'll encounter when deciding on the type of trading platform to develop. 

Trading Apps by Platform

Depending on the interests of your target audience, you may develop a trading app for desktop software or web and mobile platforms. The mobile trading app may appear and feel differently on tablets, smartwatches, and smartphones. 

A few of the most significant market participants operate across many platforms. Consider the Fidelity trading app as an example. It is more than simply an app for Android and iPhone devices. The business has made significant investments in the creation of trading applications, and its clients may use its goods for:

  • Apple Watch and Apple TV
  • Kindle Fire and iPad
  • Alexa on Amazon and Google Assistant
  • Mobile internet

While we do not suggest creating trading software for every platform, it's crucial to consider the preferences of your target market. This user-centric approach will ensure that your App meets your users' needs and expectations, enhancing their trading experience. 

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Mobile Investing Applications

Due to their accessibility and simplicity, mobile applications have emerged as the go-to platform for individual investors. With its user-friendly design and real-time data, investors can easily manage their assets while on the road. 

Typically, they provide a personalized dashboard for monitoring preferred equities, push alerts for real-time information regarding market volatility, and even instructional materials for inexperienced investors. These include mobile apps like Robinhood, E*Trade, and Fidelity, which provide a wealth of features that let individual investors buy and sell stocks, keep an eye on their portfolios, and perform research all from their cell phones. 

Pro Traders' Web Platforms

Conversely, web platforms provide a more comprehensive array of features and tools perfect for novice and expert traders. These systems often include features like real-time news feeds and technical analysis tools, as well as more sophisticated charting tools and the capacity to handle more considerable data qualities. 

Two such are the online applications for E*Trade and TD Ameritrade. These platforms are pretty flexible since they can be accessed from any computer with an internet connection.

Professional Traders' Desktop-Based Investment Software

Professional traders and investors prefer to use desktop software. These applications offer the most extensive collection of trading tools and features, such as sophisticated charting and analytical tools, automated trading systems, and complex order types. 

Serious traders often provide subscription-based services with exclusive features and data. The Bloomberg Terminal, which offers a wealth of informative, news, and analytical tools experienced traders use to make decisions, is an example of this platform. Another notable feature is the messaging network on this platform, which enables user-to-user contact. 

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Investing vs. Day Trading

Another notable characteristic of these apps is that some are better suited for long-term Investment, while others are more appropriate for day trading. 

Some trading programs, such as M1 Finance, don't allow day trading, as they don't let users trade the same stock more than once a day. Users may choose to invest using these applications instead. 

Some programs, such as TD Ameritrade or E*Trade, combine the features you anticipate from user-friendly tools geared for long-term investing, making them perfect for day trading. Thus, while developing a stock app, remember your users' demands. For example, consider including commission-free trading or short-term e-trade options for precious metals. 

Skilled Versus New Investors

Lastly, beginners would benefit most from using specific mobile electronic trading platforms. We are referring to applications such as Acorns, Stash, and Robinhood here. Conversely, more complex systems, such as Ameritrade and Power E*TRADE, require some time to get familiar with. 

Novice-focused trading applications will likely provide many training resources and essential robo-advisers. Professional investing applications, on the other hand, concentrate on giving sophisticated choices like four-legged and bespoke spreads. Make sure that's taken into consideration while developing a stock app. 

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Crucial Components of Cutting-Edge Pro Investing Software

  • Sophisticated Tools for Charting and Analysis: These tools let consumers visualize data in a way that may help them make wise investing choices. 
  • Automated Trading Systems: These platforms often include algorithms that carry out transactions according to the user's specified parameters. 
  • Examples of advanced order types are limit orders, stop orders, and trailing stop orders. 
  • Subscription-based services: Consumers may access premium features and data on several professional platforms for a monthly or annual charge. 
  • We are providing consumers with up-to-date market news and updates in real-time via real-time news streams.
  • Technical analysis tools: Past data is used to forecast future price changes.

Lite Investing Applications' Exciting Features

  • Easy-to-use interface: These applications are designed to be simple enough for people who may need to be more knowledgeable about trading. 
  • Educational content: They often provide lessons and instructions to assist inexperienced customers in learning about investing.
  • Push notifications: Users may get real-time information on changes in their equities and market volatility.
  • Personalized dashboard: Enables users to monitor their favorite stocks.
  • Automated advisers, or "robo advisors," provide investing recommendations based on a user's risk tolerance and financial objectives.
  • Commission-free trading: A few of these applications provide free transactions to entice new users.

The Patterns Underpinning the Growth of International Retail Trading and Investing Apps 


Increased Availability

Traditionally, investing has been expensive and difficult. In the absence of direct access to a stock trading platform, most individual investors typically dealt directly with banks and brokers. This has permanently changed with the development of personal financial applications. Today, anyone may invest directly in stocks and other assets on international markets without using an intermediary. 

Anyone may use their own devices to trade stocks online using investing applications directly. According to Deloitte, traders who began their careers in 2020 often trade more frequently but with lesser account balances. Additionally, they seek expert financial advice just half as usual as traders with more excellent experience (FINRA). The user-friendly stock trading applications with integrated payment systems make transactions quick and satisfying for investors. 

Social media, readily available financial and Investment tools, and money management applications that encourage trading with new users by providing instructional materials and gamifying the experience to enhance participation are driving increased availability and adoption. 

While some of it may be questionable, investing knowledge and advice can now be easily accessed via internet forums like WallStreetBets on Reddit, financial chatbots and robo-advisors, or independent research. Even while investors have access to more information than ever, it is their responsibility to make wise decisions. Today's InvestorsToday's investors use personal financial and trading applications to implement longer-term investing plans. 

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Reduced Prices for Customers

Users who have access to Zero-commission money management applications may trade around the clock. There are no longer any financial obstacles to getting started in the stock market. Even the big, established platforms provided by E-Trade and Charles Schwab have lowered their prices and charges to stay competitive. Additionally, investors are open to the high share prices of businesses in which they have a strong interest. 

What Are Fractional Shares?

Retail investors with little resources may obtain interest in shares valued at thousands of dollars each via fractional shares. When a company's whole stock would normally sell for hundreds or even thousands of dollars, fractional shares enable investors to purchase a piece of the shares for only a few dollars. This new strategy for stock investment has increased the market for prospective investors significantly. 

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Smooth Experience Making Payments to Customers

Investors anticipate being able to transact in their currency, making payments using the means of their choice, and having their profits accessible in their accounts right away. These choices must be offered by trading and investment applications that want to serve worldwide users, or else they run the risk of losing out on a significant portion of the market. Trading applications are catching on, and industry leaders are making sure their technology offers a smooth user experience by fronting and pre-funding investor accounts to enable speedy money inflow and make it simple for investors to withdraw money as well. 

Value-Based and ESG Funds  

Investors today are increasingly conscious of and driven by global issues. People are increasingly considering social and environmental problems while making financial choices. WealthAdvisor projected that the Environmental, Social, and Governance (ESG) investing industry would quadruple in size by 2021. Investors are looking for possibilities that not only provide a profit but also tackle global concerns like inequality, sickness, and climate change. 

According to a poll, more than 80% of investors said they would be willing to invest in businesses that practice environmental and social responsibility (Global Scan). A further 72% actively steer clear of sectors that exacerbate climate change. Empirical evidence indicates that investors prioritize investing in firms that uphold social and environmental responsibility. 


Value-based funds are another topic that individual investors are interested in. These are usually dividend-paying, well-established businesses. Often, startups need to be promising high growth (and risk) scenarios. Value seekers seek equities offered at a discount to their inherent worth. They research to examine the company's financial fundamentals and determine its worth in relation to the stock price. These value companies may offer just as much long-term promise as growth stocks, if not more. 

An Increase in Consumer Crypto Investments

Cryptocurrencies are notorious for their volatility, sometimes seeing sharp declines followed by sharp increases. According to some, they could eventually emerge as a significant asset class. With many just joining the market with the intention of trading around highs and lows, retail investors have shown a great interest in cryptocurrencies. JP Morgan released data in March 2021 indicating that during the quarter, individual investors had bought around 187,000 Bitcoin, surpassing the 173,000 coins acquired by institutions. 

A growing number of individual investors are entering this industry because they see it as an exciting field with enormous potential rewards that may be realized quickly. According to a recent CNBC analysis, 65% of polled Bitcoin investors made their first Investment in the previous year alone. Due to their propensity to purchase and sell more often over short periods of time, retail investors are impacting market dynamics. 

Retail Investors are reshaping Investing.

A new age of investing has emerged as a result of these dynamics, with ordinary investors being essentially distinct from their institutional counterparts. Rather than being affected by conventional financial thinking, they are often more impacted by social media and news cycles. Because of this new class of investors, revenues for trading platforms increased from $3.8 billion in 2017 to $10.9 billion in 2020, and this rise is expected to continue.  


Thanks to the democratization of finance app development services brought about by Internet trading platforms, the typical investor may now access global markets. Selecting the ideal platform for your requirements is just as crucial to effective trading as knowing the ins and outs of markets.

Online trading systems are constantly changing, making it harder for novices or seasoned traders alike to have a smooth, effective, and safe trading experience. Investors may make well-informed selections using the information provided by websites such as daytrading.com, which range from broker evaluations to trading tactics.

To sum up, the realm of virtual commerce is constantly changing and dynamic. It has hazards in addition to excellent potential. As such, it is imperative that you prepare yourself by learning as much as you can, being aware of the resources available to you, and setting out on your adventure with a well-planned plan.

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