Award-Winning Mobile Banking Application

The banking sector in the client's region is exceptionally dynamic, averaging more than 20 banks per country. Such market saturation makes customer acquisition costs extraordinarily high.

The solution that our team was hired to build was expected to support both iOS and Android from a unified codebase and provide deep native capabilities, including Apple Watch (watchOS) and Siri voice extensions.

Moreover, as our client delivers full digital banking services (loans, transfers, card issuing), a multi-layered defense against fraud and Man-in-the-Middle attacks without compromising performance remains crucial.

Akveo engineered the client-side mobile application with React Native, combining a shared JavaScript codebase with native Swift, Objective-C, and Java code for iOS and Android.

Core Financial Capabilities

• Card and account control. Users can create virtual cards, set spending limits, instantly freeze/unfreeze cards, and personalize user dashboards.
• Transfers and payments. The app provides instant local and international account transfers, utility bill payments, standing orders, and micro-savings automation from everyday spare change.

Smart Features and Platform Integrations

• Computer vision (Microblink). The application is equipped with card, document, QR, and barcode scanning, as well as FaceID and TouchID verification for biometric identity matching.
• Wearables and voice control. The Siri extension allows for voice interaction, while a dedicated Apple Watch app supports core banking tasks on the go.
• Location services and geofencing. We integrated the Google Maps API for branch/ATM routing. Meanwhile, Braze geofencing ensures location-aware notification delivery.
• 24/7 customer assistance. The application provides live support capabilities. It offers instant assistance via in-app chat and phone services.

Security

• Promon Shield integration. We introduced Promon Shield to deliver full application hardening. It helped us protect the codebase with advanced obfuscation, anti-repackaging, anti-debugging, anti-keylogging, and active jailbreak, root, and emulator detection.
• SSL pinning. The app is powered by SSL pinning. It directly verifies server SSL certificate hashes to block Man-in-the-Middle attacks and safeguard data in transit.
• Data protection and biometrics. Our team implemented multi-layer data protection combining TouchID/FaceID biometric authentication with native hardware Keychain/Keystore access to securely encrypt local tokens and sensitive user data.

Technical Implementation

• We built the product completely from scratch, taking it through every development phase, from initial MVP to a full commercial release. As a result, our client got a platform-agnostic mobile app distributed across both iOS and Android.
• We engineered a single JavaScript codebase bundle powered by React Native to maximize code reuse and significantly cut time-to-market.
• We developed custom native bridges in Swift, Objective-C, and Java to access device-level APIs. Additionally, we built dedicated Apple Watch and Siri Voice extensions for hands-free and wearable banking interactions.
• We implemented UI Kitten (react-native-ui-kitten) as the foundation for the visual design system, supported by essential utilities like MobX (state management), React Navigation, RxJS, lodash, moment, and rn-fetch-blob.
• We streamlined continuous integration and automated app store deployments using Bitrise, while driving insights through Firebase, GTM, Adjust, Branch.io, and Crashlytics.