A full retail banking app — accounts, instant payments, cards, lending and investments in one place — built to bank-grade security with biometric login, device binding, real-time fraud checks and complete audit trails. Designed to pass an external security review before a single customer logged in.
A digital-first bank asked us to build their flagship customer app on top of a core banking system and a card processor. The product had to feel as fast and friendly as a consumer app while meeting the security and compliance bar of a regulated institution.
We delivered native apps with a hardened security model — biometric login, per-device binding, certificate pinning and a real-time risk engine that scores every transaction before it clears. Customers move money, freeze cards, open goal-based savings and apply for a loan without leaving the app, and every action is logged for audit.
The features customers touch daily — each wired to the core bank and card rails behind the scenes.
Real-time transfers and bill pay with payee management, scheduled and recurring payments, and instant in-app confirmation.
Freeze and unfreeze cards, set channel and spend limits, manage virtual cards and view a live, categorised transaction feed.
Round-ups, automated saving rules and named goal pots help customers put money aside without thinking about it.
Pre-qualified offers, an instant eligibility check and a paperless loan application with e-sign and same-session disbursal.
Document capture, liveness check and address verification let customers onboard and raise account limits without a branch visit.
Raise a transaction dispute, track its status and reach support in-app, with secure messaging and full interaction history.
The engineering that let the app clear an external penetration test and a regulator review.
