Modern mobile banking application with biometric auth & instant UPI transfers
Native iOS and Android banking app replacing outdated web wrappers.
- Client
- Urban Co-operative Bank
- Licensed Scheduled Urban Bank
- Location
- Gujarat
- Timeline
- 16 weeks from prototype to NPCI certification and app store release
- Headline result
- 4.8★
- Average user app store rating
Overview
A licensed scheduled bank serving 450,000 customers had an outdated web-wrapper mobile app suffering from 2.1-star ratings, frequent session timeouts, and lack of modern payment support. Nexasoft engineered a secure native mobile banking suite with biometric login, instant UPI 2.0 payments, deposit management, and real-time fraud alerts.
The challenge
- App store rating was 2.1★ with thousands of negative reviews citing payment crashes.
- Absence of NPCI-certified UPI payments forced younger customers to switch to neo-banks.
- High fraud vulnerability and non-compliance with latest RBI mobile application guidelines.
- Cumbersome branch-dependent account management processes.
What we built
- Developed high-performance native iOS and Android apps with frictionless biometric face/fingerprint authentication.
- Integrated certified NPCI UPI SDK allowing instant peer-to-peer and merchant QR payments.
- Built end-to-end fixed deposit creation, passbook downloads, and card freeze features directly in-app.
- Implemented device binding, root detection, and real-time transaction risk scoring.
Results
- App Store & Play Store rating across 38,000+ verified customer reviews
- 4.8★
- Increase in active monthly mobile banking users within 6 months
- 3.2x
- Reduction in routine branch footfall for passbooks and fund transfers
- 68%
- Payment security breaches or credential theft incidents recorded
- 0
Architecture
- Flutter framework with native platform security bridges.
- Encrypted SQLite storage with SQLCipher and hardware Keystore/Keychain key protection.
- Hardened API gateway with dynamic payload signing and certificate pinning.
- Active-active microservices backend connected to FIS and Finacle core systems.
“Nexasoft transformed our mobile banking experience from an embarrassment to a proud competitive advantage. Our younger customer base grew by 40% in six months.”
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