Digital Product

Mobile Banking Super-App

Designed and built a full-featured mobile banking app for a regional bank — account management, payments, loans, and AI-powered spend insights — from zero to 120,000 active users in 6 months.

4.8★ App Store rating
IndustryFinancial Services
Duration8 months
Team Size9 engineers
React NativeNode.jsPostgreSQLRedis

The Challenge

The client needed a modern mobile banking experience to compete with neo-banks, but had no existing digital product team, no design system, and a core banking system with no public API.

Our Solution

We built the complete stack: a React Native app, a BFF (Backend for Frontend) API layer, a core banking integration adapter, and a real-time notification engine. We also trained the client's internal team to own the product post-launch.

How We Did It

  • 3-week discovery sprint: user research, competitor analysis, feature prioritisation
  • Design system built in Figma before a single line of code was written
  • React Native with a shared component library across iOS and Android
  • Core banking adapter with caching to maintain performance despite legacy API latency
  • In-app AI spend categorisation using a fine-tuned classification model

Key Outcomes

4.8★App Store and Play Store rating
120KActive users within 6 months of launch
8sAverage session time (industry avg: 3s)
62%Daily active user rate

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Mobile Banking Super-App | Our Work | Cody Software Solution