Upgrading Mobile App Capabilities of Indian Public Sector Banking Giant
We revamped the banking experience and features of one of India’s largest public sector banks to help them lead the sector in the age of AI.
About the Client
One of India's biggest private sector banks, renowned for its robust financial services and customer-centric approach. They have a wide range of products, including loans, savings accounts, and investment services, it caters to diverse customer needs.
*All names and logos have been changed to respect NDA
About the project
Overview
We revamped the mobile app to enhance performance, user experience, and security. Event-driven architecture enabled real-time processing, while a dynamic CMS allowed faster updates without app version changes. Improved security ensured compliance, and voice banking with personalized recommendations modernized the app.
Other upgrades included hybrid databases for optimized data handling and stable UPI for fewer transaction failures. A redesigned bill payment system and enhanced notifications improved user interactions. Downtime management minimizes disruptions, ensuring reliable service during maintenance.
BUSINESS REQUIREMENT
The client wanted to transform their mobile app to offer a faster, more seamless banking experience for users. A key ask was real-time processing for instant transactions, along with a content management system that ensures updates reach users without requiring frequent app downloads.
There was also a need to enhance security for peace of mind, introduce hands-free voice banking, and provide personalized recommendations based on user preferences.
CHALLENGES IN EXECUTION & SOLUTIONS
During the development process, we foresaw several technical challenges that required innovative solutions to ensure seamless integration and functionality across various systems.
Integrating with multiple teams, especially third-party integrators, would challenging due to difficulties in tracking issues and resolving technical challenges across independent systems.
Integrating specific loan services was complex in both backend and frontend due to API structure complexity and user experience challenges during error and blackout scenarios.
With the deprecation of carrier APIs in iOS 18, we would need to develop native callback methods to recognize SIM information and trigger callbacks when the SIM is ejected or changed.
Handling complex payment systems was challenging due to its reliance on external APIs and the involvement of various service providers, leading to highly intricate logic.
OUR SOLUTION
We recommended a tailored solution using a micro-frontend architecture with React Native and TypeScript for the mobile app. This would allow us to deliver a smooth, consistent user experience across platforms, with Redux managing state efficiently.
On the backend, we suggested a microservices architecture powered by GoLang and Spring Boot to ensure high-performance, scalable APIs that handle business logic and connect seamlessly with your databases and external services.
OUR APPROACH
To maintain clarity and alignment throughout the project, we followed an Agile methodology, ensuring requirements are well-defined before development. Our BSG and Product teams collaborated to create comprehensive user stories in JIRA, incorporating every detail of user flows and design.
The BA refines these stories by adding thorough acceptance criteria and managing clarifications during development. We ensure smooth execution through sprint planning, daily standups, and weekly reviews with higher management, providing transparency on progress and addressing any concerns. After each sprint, an internal demo ensures all stakeholders have a clear view of the development progress, both on the frontend and backend.
- We used Agile methodology for this project to ensure flexibility, continuous improvement, and rapid delivery of value. Given the complexity of integrating multiple systems, enhancing security, and implementing new features like voice banking and personalized recommendations, Agile allowed us to break down the work into manageable sprints, prioritize key deliverables, and respond to changes quickly.Regular collaboration between cross-functional teams, such as the product, development, and business analysis teams, ensured that requirements were well-defined, clarified, and iteratively refined, leading to a smoother development process and quicker resolution of challenges.Agile also provided transparency through daily stand-ups and weekly progress reviews, allowing for faster decision-making and alignment with the client's evolving needs.
RESULTS
We enhanced operational agility and the Digital Customer Experience by integrating UPI and Loan modules into a unified financial ecosystem. By enabling real-time error configuration via AEM, we empowered business teams to manage system messaging without developer intervention, significantly reducing deployment lag.
Additionally, our standardized solution for blackout scenarios ensured brand consistency during downtimes, while rigorous data-driven testing achieved 100% coverage for all billers. These improvements eliminated manual bottlenecks and delivered a reliable, high-performance journey for the end user.
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