Mobile
Android (Kotlin)
Apps built specifically for Android, with full access to the phone's hardware, background location and company-managed devices.
Used for
- Apps for Android
- Delivery partner apps
- Billing and POS apps
- Field staff apps
Finance
Banking software development
Digital channels, onboarding journeys and staff tools for co-operative banks, small finance banks and regional lenders, built around the core banking system you already run.
At a glance
The short version
- What we build
- How it works
- Customer app
- KYC services
- Authorised official
- Operations console
- 1 more
- Runs on
- Android
- iOS
- Web app
- Admin
- Who it's for
We build the customer-facing and staff-facing software that sits around a core banking system: mobile and internet banking, digital account opening, branch and business-correspondent tools, and internal dashboards. The work is integration-heavy, so we plan around your core system's interfaces, your vendor-risk process and your security reviews from the first week.
- Cost depends on
- Core banking integration
- Security and compliance evidence
- Deployment model
How to start
Tell us what you need in your own words. You talk to the developers who would build it and get a written, line-item estimate.
Get a project estimateSoftware around the core, not instead of it
Most banks in India run a core banking system (CBS) they will not replace lightly. What they need is faster change at the edges: a mobile app customers are happy to use, account opening that does not need three branch visits, and staff tools that do not depend on terminal screens.
We work at that edge. Our engineers build channels and middleware that talk to your CBS through its APIs or an integration layer your vendor supports, so product changes ship without touching the ledger. For co-operative banks, small finance banks and regional lenders, this is usually the practical route to a modern customer experience.
Challenges
Where banking teams feel the friction
Legacy core, modern expectations
Customers compare your app with the UPI apps they use daily, while the CBS exposes limited or batch-only interfaces.
Onboarding drop-offs
Paper forms, branch visits and repeated KYC steps make account opening slow, and failures on mobile lose applicants.
Security and audit scrutiny
Every release has to clear VAPT, access reviews and audit evidence requests before it reaches customers.
Field staff on paper
Doorstep banking, collections and business correspondents often work from registers keyed in days later.
Solutions
Solutions we recommend for banks
Secure fintech apps and back offices for payments, lending, investments and insurance, integrated with licensed banking, KYC and data partners.
Custom loan origination and loan management software covering applications, underwriting, disbursal, EMIs, collections and reporting.
Custom CRM software that captures leads from every channel, keeps follow-ups on schedule and shows managers a live pipeline.
Data extraction from invoices, KYC documents, statements and forms into your systems, with validation rules and human review for uncertain fields.
Support and sales chatbots for web, app and WhatsApp that answer from your own content and hand off to your team.
Banking features we build most often
Mobile and internet banking
Balances, statements, IMPS/NEFT/UPI transfers, fixed deposits and BBPS bill payments, wired to your CBS.
Digital account opening
Aadhaar-based eKYC and Video KYC through licensed providers, PAN checks, CKYC lookup, nominee capture and an officer review queue.
Assisted onboarding for branches
An app for Android that staff and business correspondents use, with offline capture and later sync.
Service requests and grievances
Requests and complaints with SLA timers, escalation levels and a complete audit log.
Multilingual interfaces
Hindi and regional-language screens and alerts for customers outside metro branches.
How it works
How a digital savings account gets opened
The customer applies from a phone, identity checks run in the background, and your core banking system opens the account without a branch visit.
- Customer app
Step 1: Customer starts on the mobile app
The applicant enters a mobile number, PAN and consent. Progress is saved at each step, so a dropped connection does not mean starting again.
- KYC services
Step 2: Identity checked through licensed providers
Aadhaar-based eKYC, PAN verification and a CKYC lookup run in the background. A mismatch is flagged for a person rather than silently rejected.
- Authorised official
Step 3: Video KYC with a bank official
Your official completes the video call, the provider runs liveness and location checks, and the recording is kept under your retention policy.
- Operations console
Step 4: Officer approves in the review queue
Documents, check results and risk flags sit on one screen. The officer approves or asks for more, and every decision is written to the audit log.
- CBS middleware
Step 5: Account created in the core banking system
The integration layer creates the customer and account through your CBS interface and returns the account number, without anyone keying it in at a branch.
- Customer app
Step 6: Customer sets up UPI and starts banking
The customer sets a login PIN, links UPI and sees the debit card status, so the first transaction can happen the same day.
Platforms
Channels for bank customers and staff
- Mobile
Android app
Apps for Android phones and tablets, tested on budget and mid-range devices and published on Google Play or privately.
- Mobile
iOS app
Apps for iPhone and iPad, built to Apple's guidelines and released through TestFlight and the App Store.
- Web
Web application
Browser-based applications with logins, roles and workflows, such as customer portals, SaaS products and internal tools.
- Back office
Admin dashboard
Back-office panels for operations, support and finance teams: orders, users, content, reports and permissions.
Technology
Our stack for banking channels
Native apps for Android and iOS give access to the device-security features banks ask for, while a NestJS middleware layer keeps app traffic away from your core system.
Mobile
iOS (Swift)
Apps built specifically for iPhone and iPad, for when your product needs Apple features or a polished experience for iPhone users.
Used for
- Apps for iPhone
- Apps for iPad
- Health and fitness apps
- Premium shopping apps
Backend
NestJS
A structured way to build back ends on Node.js, so large business systems stay organised, testable and easy to hand over.
Used for
- Business app back ends
- SaaS platforms
- Marketplaces
- Admin panel back ends
Data
PostgreSQL
A reliable database for the records your business runs on: orders, payments, bookings and stock, kept accurate and easy to report on.
Used for
- Orders and customers
- Payments and ledgers
- Stock and inventory
- Bookings
Data
Redis
Keeps frequently used data in fast memory, so apps stay quick on busy days and live features like order tracking feel instant.
Used for
- Faster apps
- Live order status
- Shopping carts
- Job queues and alerts
Cloud & DevOps
Docker
Packages your software so it runs the same way on every laptop and server, which makes releases predictable and moving hosts easier.
Used for
- Reliable releases
- Same setup everywhere
- Faster onboarding
- Easy scaling
Plain-English glossary
Banking technology terms, explained
- Core banking system (CBS)
- The central software where accounts, balances and ledgers live. We build channels around it instead of replacing it, so the most sensitive system in the bank stays untouched while the customer experience improves.
- Middleware
- A layer of software between your apps and the CBS that translates requests, queues them and caches safe read-only data. It lets you ship app changes quickly even when the core offers only limited or batch interfaces.
- VAPT
- Vulnerability assessment and penetration testing: security specialists probe the app the way an attacker would. Banks usually need a clean report before a release reaches customers, so we plan time to fix findings.
- Business correspondent
- An agent appointed by a bank to offer basic banking where there is no branch. An app that works offline lets them open accounts and record transactions that sync once they are back in coverage.
Product preview
Screens from a bank app and its staff console
Illustrative screens: figures and names are samples.
Customer app. Customers see balances, deposits and upcoming bills as soon as they log in, and move money by UPI, IMPS or NEFT without calling the branch. 
Customer app. Account opening asks only for what the checks need, keeps progress between steps and hands over to Video KYC when the customer is ready. 
Operations console. Officers approve or query each application with documents, check results and risk flags side by side, and every action lands in the audit log.
Illustrative preview
Sample screens: names, prices and figures are examples, not client data.
Cost drivers
What shapes a banking project's effort
Core banking integration
Whether your CBS offers documented APIs, needs a middleware layer or only exchanges batch files changes effort more than any screen does.
Security and compliance evidence
VAPT cycles, secure development documentation and audit logging add time we plan for up front.
Deployment model
Hosting in your data centre, a private cloud or an India-region public cloud changes DevOps and handover work.
Estimates are written from your scope, with the effort and assumptions behind each line item.
How pricing worksServices
Services for this industry
The design and engineering services our in-house team combines on projects in this sector.
Mobile app development
Native and cross-platform Android and iOS apps, from first release through regular store updates, built by our in-house designers and engineers.
Web application development
Browser-based products, customer portals, dashboards and internal tools, built on clean data models with secure roles and integrations.
API development
Secure, documented REST and GraphQL APIs, plus integrations that connect your apps to payment, logistics, GST, messaging and business systems.
Android app development
Native Android apps in Kotlin and Jetpack Compose, designed for entry-level phones, patchy networks and the background limits of popular Android brands.
iOS app development
Native iPhone and iPad apps in Swift and SwiftUI, built to Apple's review guidelines and privacy rules and tested on the devices your customers use.
Admin panel development
Back-office dashboards built around your team's daily tasks: order queues, approvals, catalogue management, payouts, reports and audit logs.
UI/UX design
Product design for web and mobile apps: research, user flows, wireframes, prototypes and design systems that engineers can build from.
Locations
Banking by city
Cities where this sector is a significant part of the local economy. We work remotely with teams across India and meet in person where practical.
Maharashtra
Mumbai
FAQ
Frequently asked questions
Do you replace our core banking system?
No. We build the channels, onboarding flows, staff tools and middleware around it. Your CBS remains the system of record for accounts and ledgers, and our software reads and writes through its APIs or an integration layer your CBS vendor supports. Where the core only offers batch files or limited endpoints, we design around that, for example by caching read-only data and queuing requests, and agree the approach with your IT team and vendor before development starts.
How do you work with our IT security and audit teams?
We go through your vendor onboarding and follow your policies. In practice that means role-based access, audit trails on sensitive actions, encryption in transit and at rest, secure coding checks, and fixing findings from your VAPT or the auditor you appoint. We document architecture and data flows so your team can map them to RBI expectations on IT outsourcing and cybersecurity. Regulatory accountability stays with the bank; our job is to make the evidence easy to produce.
Can account opening include Video KYC?
Yes, through a licensed Video KYC provider rather than a home-grown video stack. We build the journey around it: consent capture, Aadhaar-based eKYC or document upload, PAN verification, a scheduled call with your authorised official, liveness and location checks as the provider supports them, and a review queue for officers. Recordings are stored according to your retention policy, and we test the flow on weak mobile networks so calls hold up outside cities.
Next step
Planning a digital channel for your bank?
Share your core system details and the journeys you want to modernise. We will outline an integration approach and a line-item estimate.