NovaPay set out to challenge incumbent banks with a mobile-first digital banking experience targeting millennials and Gen-Z users in the MENA region.
The Challenge
The incumbent banking apps in their target market were clunky, slow, and missing modern features like instant transfers, spending analytics, and card controls. NovaPay needed a polished, production-grade mobile app that could handle millions of real-money transactions with zero downtime.
Our Solution
We designed and built a complete cross-platform mobile banking application:
- Biometric authentication (Face ID / fingerprint) with device-bound key storage for maximum security
- Real-time transaction processing with instant push notifications and balance updates
- AI spending insights that categorize transactions automatically and surface personalized savings recommendations
- Card management — freeze/unfreeze, set spending limits, virtual card generation for online purchases
- P2P transfers with QR code payment support and scheduled/recurring transfers
- In-app customer support with chat-first support and escalation to live agents
Technology Stack
React Native (Expo) for iOS and Android, Node.js microservices backend on AWS ECS, Plaid for bank connectivity, Stripe for card issuance, and AWS RDS PostgreSQL for transaction storage with point-in-time recovery.
Results
- 180,000 downloads within the first 6 months
- 4.8 stars on the App Store and Google Play
- $2.4 billion in transactions processed in the first year
- PCI-DSS Level 1 compliance achieved with zero security incidents