About the Client
A bank in the United States that needed a mobile application its customers would use instead of calling a branch.
Challenges
Banking apps are judged against the best app on the customer’s phone, not against the bank’s previous one. At the same time, every shortcut that makes an app pleasant is a security question.
- A wide feature set had to fit into a design that a non-technical customer can use on the first try.
- Security requirements were high, and they apply to every screen, not only to login.
- Performance matters: a balance check that takes five seconds trains people to call the branch again.
- Two platforms, one behaviour: differences between iOS and Android versions generate support calls.
Our Approach
We delivered native applications for iOS and Android covering the operations customers perform most: checking balances, managing accounts, managing credit, transferring money, exchanging currency and finding the nearest ATM, self-service point or branch on a map.
Because the product handles money, we built it around a two-step authentication system rather than adding it afterwards. That decision shapes session handling, what the app caches and what it shows when a session is no longer trusted: details that are expensive to retrofit.
Results
- A single app covering the everyday operations that previously required a branch or a phone call.
- Two-step authentication built into the product’s foundation.
- Consistent behaviour and performance across both platforms.
Technology Stack
Native iOS and Android development, two-factor authentication, geolocation services for ATM and branch search, integration with the bank’s core systems.
Business Impact
For a regional bank, the mobile app is the branch that is open at midnight. Moving routine operations into it reduces load on staff and, more importantly, removes the reason customers look at what a digital-first competitor offers.