Retail Mobile Banking Super-App
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 bank in the pocket, secured end to end.
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.
- Accounts, payments, cards, lending & investments
- Biometric login, device binding & certificate pinning
- Real-time fraud scoring with full audit logging
Everyday banking, done properly.
The features customers touch daily — each wired to the core bank and card rails behind the scenes.
Instant Payments
Real-time transfers and bill pay with payee management, scheduled and recurring payments, and instant in-app confirmation.
Card Controls
Freeze and unfreeze cards, set channel and spend limits, manage virtual cards and view a live, categorised transaction feed.
Goal-Based Savings
Round-ups, automated saving rules and named goal pots help customers put money aside without thinking about it.
In-App Lending
Pre-qualified offers, an instant eligibility check and a paperless loan application with e-sign and same-session disbursal.
In-App KYC
Document capture, liveness check and address verification let customers onboard and raise account limits without a branch visit.
Disputes & Support
Raise a transaction dispute, track its status and reach support in-app, with secure messaging and full interaction history.
Where the security lives.
The engineering that let the app clear an external penetration test and a regulator review.
Security Model
- Biometric login with device binding and secure-enclave key storage
- Certificate pinning and end-to-end encrypted transport
- Step-up MFA on high-risk actions and new devices
- Real-time fraud scoring before a transaction is authorised
- Tamper, jailbreak and screen-capture protection
Integration & Compliance
- Core banking and card-processor integration over secure APIs
- Real-time payment rails with idempotent, reconciled transfers
- Immutable audit logging of every customer and system action
- Consent, data-retention and privacy controls built in
- Feature flags and staged rollout for safe releases