SME Mobile Banking Development

To deliver immediate value, focus on the core jobs SME owners perform daily. Prioritise streamlined onboarding with digital identity verification, clear account overviews (including multi-currency), fast domestic and international payments, and simple invoicing with automated reminders. Card management matters too: virtual and physical cards, spend controls, merchant category limits, and instant freeze/unfreeze improve expense governance. A practical cash-flow view that surfaces upcoming payables and receivables, powered by transaction categorisation, removes the need for separate tools. Role-based access and maker – checker approvals allow secure delegation, while audit trails keep everything transparent. In-app chat or secure messaging shortens resolution time, and contextual help reduces friction for tasks like setting up payees or batch payments. Accounting integrations (for example, Xero or QuickBooks) streamline reconciliation and reduce manual entry. With these foundations in place, you can layer advanced capabilities such as recurring payments, payroll batches, data-driven insights, and working-capital recommendations – without compromising a fast, trustworthy mobile experience.

We embed security into architecture, code, and operations. Data is encrypted in transit and at rest, secrets are managed centrally, and strong customer authentication supports biometrics and MFA. Least‑privilege, role‑based access protects sensitive actions like payment authorisation, with step‑up authentication for higher‑risk events. We maintain tamper‑evident audit trails across user actions and payments. Our secure SDLC includes dependency scanning, SAST/DAST, container hardening, and infrastructure as code with policy guardrails. Regular penetration testing and continuous vulnerability management reduce risk further. Operational controls include real‑time monitoring, anomaly detection, and rehearsed incident response to ensure rapid containment and recovery. Compliance is supported through consent and privacy controls, data minimisation, clear retention policies, and transparent user notices. We align to payments and open banking standards, enforce fine‑grained scopes for APIs and webhooks, and keep evidence ready for audits – delivering a banking‑grade posture without degrading user experience.

A typical first release lands in six to nine months for a native app covering onboarding, balances, payments, invoicing, card controls, and a basic cash‑flow view. We have achieved six months where scope is tight and integrations are ready. The biggest timeline variables are integration complexity (core banking, payments, identity, cards, accounting), non‑functional needs (performance, accessibility, offline support, localisation), and security, compliance, and testing depth. We de‑risk with discovery to confirm journeys, constraints, and acceptance criteria; a roadmap that prioritises day‑one value; and CI/CD for safe incremental releases. Parallel workstreams – mobile, services, integrations, and security – compress time without compromising quality. After launch, short cycles add batch payments, approvals, analytics, and automation, ensuring rapid value delivery while scaling reliably.

Yes. We use standards‑based APIs and event streams to connect mobile apps with core banking, payments, identity providers, card issuing, and accounting platforms. For accounting, we support secure integrations with tools such as Xero or QuickBooks to sync invoices, categorise transactions, and simplify reconciliation. Where legacy interfaces are limited, we introduce an integration layer to normalise payloads, enforce idempotency, and add resilient retries. Webhooks and event‑driven patterns provide near real‑time updates (for example, posting transaction events or payment status), while rate limits, back‑pressure, and circuit breakers protect both sides. Fine‑grained permissions, explicit scopes, and robust authentication ensure only the minimum required data is exposed. Correlation IDs, comprehensive logging, and monitoring make cross‑system troubleshooting straightforward and keep the full SME banking experience reliable.

We begin by mapping our current capabilities to target journeys. Then, we isolate changes using an integration and anti-corruption layer. High-value domains like onboarding, payments, and statements are being split into microservices. Each microservice has clear APIs. We adopt cloud‑native deployment for resilience and elasticity, and implement observability (metrics, logs, traces) for real‑time insight. Data strategy focuses on ownership, versioned schemas, and safe migration, with read‑optimised views to keep mobile responses fast. Security improves via consistent IAM, secrets management, and automated compliance checks in the pipeline. CI/CD, automated testing, and blue‑green or canary releases reduce risk. The goal is not to rewrite everything at once, but to unlock SME‑facing value early while retiring legacy components when risk and economics align – lowering cost‑to‑serve and speeding up future change.

We measure activation (completed onboarding and verification), early engagement (first payments, first invoice, first card issued), and repeat behaviours (weekly logins, approvals, batch payments). Adoption metrics tie to value: percentage of invoices sent in‑app, approval times, and reduction in support tickets. Financial impact includes revenue (for example, interchange on cards, payments fees where applicable) and savings from digital self-service replacing higher-cost channels. Risk metrics track authentication success, fraud detection effectiveness, and incident MTTR. Product metrics include task completion time, error rates, and in‑app satisfaction. Technical health covers crash-free sessions, API latency, uptime, and scalability under load. These signals shape the roadmap, determining what to improve, simplify, or integrate next, and demonstrate ROI through higher digital adoption, lower cost-to-serve, and stronger retention as SMEs make the app central to their daily financial management.