Creating a mobile banking system
MOBILE BANKING
It's been quite some time since the banking sector has mastered online transactions, because online service is much faster than in a branch.
After the development of ios applications took place and the development environment for android applications for mobile gadgets was mastered, online banking lost some of its convenience. Users have a desire to perform financial transactions from cell phones, as they are much more compact than PCs and are always around. As a result, the process of birth of mobile banking began, which was called "SMS-banking" from the beginning. In our continent, these systems began to appear at the end of the last century, when banking institutions served their customers through SMS.
A modern mobile device provides extended functionality in relation to the user's bank account 24/7. Other methods of remote service can hardly boast of this. Studies conducted in Foggy Albion have clearly demonstrated that a person checks their account on a mobile gadget three times more often than on a computer. And with the advent of smartphones and their derivatives - tablets, the structure of mobile banking has changed significantly.
ADVANTAGES
Let us highlight four particularly important advantages of our developments:
Competence
We have an excellent understanding of company infrastructure and can integrate quickly.
Speed
We do our work quickly. We have a large staff of experienced developers.
Unique services
We have developed a unique line of software development products.
Conducting quick transfers
The ability to make quick payments, which allows you to reduce costs and reduce staff.
OBSOLETE TYPES OF MOBILE BANKING
Nowadays, any bank can not fail to provide its customers such a service as SMS-banking, which is differentiated into a number of components.
1) SMS BANKING
The essence of the service is to manage the monetary assets on the account by sending SMS to a special number of the bank. These messages are composed on the basis of typical templates. It would seem that this is a very primitive way of service. But it allows people living in areas where there is no Wi-Fi3G/4G or 3G/4G coverage to perform banking operations. In addition, by sending SMS, banks quickly notify customers about changes in their account.
2) MOBILE INTERNET BANKING
In this case, the user remotely opens an account and manages it through the bank's website on his cell phone. This is analogous to Internet banking with a PC, only it uses the browser installed in the phone. Since the interface on mobile gadgets is simplified to adapt to small screens, this version of the service may have some limitations. If full control is provided, some functions may not work properly, as their path will go through a number of submenus and links.
3) BASIC APPLICATIONS FOR MOBILE BANKING
Applications for smartphones that had simple functionality and were installed in their operating shell appeared a long time ago and were installed on the first versions of Android / iOS / Windows Phone. Banks used this innovation as a marketing ploy, which worked as intended: customers were amazed by the variety of tools.
Although the basic applications did not allow for full account management, such operations were available in them:
- Opening and closing of deposit accounts;
- Mobile payments;
- Transfers within the bank;
- Applications for loans and overdrafts and their repayment;
- Mortgage lending;
- Order cards of all kinds.
Despite the fact that such applications are very simple, compared to SMS-banking, they have improved the procedure of informing, and if you take internet banking, there was no option of individual counseling. By getting their own applications, banks saved money on call centers and SMS-notifications.
If it turns out that in our reality you are not yet using your application, then there is an excellent opportunity to order from our company such projects as: the development of a mobile application for android, creating your own messenger and the development of applications for ios. The process of working on the terms of reference will start today.
The company works at affordable prices in different areas. We go towards the customer.
We value your time and we do it quickly. It's important to us that you get a solution on time.
Our team is up to any task. We are always ready to do modern and give a quality guarantee!
The company works at affordable prices in different areas. We go towards the customer.
We value your time and we do it quickly. It's important to us that you get a solution on time.
Our team is up to any task. We are always ready to do modern and give a quality guarantee!
The company works at affordable prices in different areas. We go towards the customer.
We value your time and we do it quickly. It's important to us that you get a solution on time.
Our team is up to any task. We are always ready to do modern and give a quality guarantee!
MODERN MOBILE BANKING
There is another type of mobile banking that is still relevant. These are apps that have advanced functionality. In essence, these are the same mobile applications that are installed in the operating system on a smartphone, but they have become much more modernized thanks to progress. We can draw a parallel with the development of the Internet. Earlier it was a place to search and obtain information, but now the world "web" is full of entertainment, blogs and social networks. This is also the case with banks, which now "come" to us on our mobile gadgets, rather than us visiting them at the branch.
The improvement of banking applications has occurred both because of the development of communication and the increase in the performance of smartphones, and because of the desire to get new customers. After all, today's younger generation has already become accustomed to having to go somewhere far away, standing in line. They are not very positive about banknotes, change, and so on. In addition, these people have learned how to earn money quickly and easily, and therefore how to spend and save. And in all this, they use auto-payments through gadgets. Banks are watching these trends and trying to keep up.
SELF-HELP PRINCIPLE
The bank needs a team of specialists who can qualitatively perform the work of creating such a competitive project. Our company will help you in this difficult but very interesting task, its staff will develop applications for mobile banking with functionality of any complexity, including such specific ones as:
- contactless payment technology;
- smart autopayments;
- Addresses of the nearest ATMs and payment terminals;
- transfers by phone number;
- account and card statements;
- transactions with cards and accounts of other banks;
- extended history of operations;
- EPS support;
- data export;
- opening an investment account with subsequent management;
- connection of bonuses, cashback and cumulative interest.
In addition to the variety of options, a user-friendly interface should be developed so that it is intuitive. Also, the application should work quickly and the bank's response time should be minimal. In addition, the introduction of guided chat and push notifications will have an impact on user loyalty.
THE MOBILE BANKING SYSTEM OF TOMORROW
Using the latest technology in service, as well as offering your audience a unique approach to service will help the company to maintain its position in the market of banking services. Once you use a unique application, users and partners will cooperate with you for a long time. Mobile application created by our specialists will have a number of new features which recently become more and more popular. Among them are:
- robot financial advisor;
- execution with the help of QR codes;
- chatbot with artificial intelligence;
- biometric authentication system;
- Template payments controlled by voice;
These are only some of the functions that can be implemented by our company. You can find out more by using a direct request. Our employees have experience with machine learning, blockchains, and artificial intelligence. We are ready to support any customer's ideas and turn them into reality through an effective application. The cost of developing a basic mobile banking app starts at 1.5 million rubles and the creation of a mobile banking system will cost from 3.5 million rubles.
What do our clients think of our work?
The reviews were published with the permission of the customers according to p.c. of the site
Advantages of our company
We thoroughly study the problems, consider them from all sides and quickly collect the necessary information. Then we discuss the specifics of each problem with clients and together with them make a work plan, taking into account all the wishes of customers.
There are more than 20 specialists in our team. Most of the team members have higher technical education and have been working in IT for more than three years. And we'll always answer if you have questions or need help.
We help to solve any problem related to IT: we develop programs and applications, issue tokens and develop blockchain networks. Our clients are companies, offices, small and medium-sized businesses, and financial organizations.
We develop programs in popular programming languages: Python, C++, JavaScript. That's why we can create universal solutions for any of your tasks: whether it's a program for the office, a database, an application or a blockchain network.
We are engaged in comprehensive support of ready-made products. We can extend the functionality of ready-made programs and applications, if necessary. We can also help if you need to add something to your ready-made program.
After developing a program or creating a blockchain network, we help you understand how to effectively manage the product. We support customers and help them achieve their goals with our applications.
We take a professional approach to problem solving. We create tokens and help clients bring them to market, help you create your own blockchain for your tokens. We can help if you need to configure the management of tokens you already have.
We turn any of your IT ideas into a finished working project. We have released a large number of programs and applications, provided support to a wide variety of clients and earned their trust. They turn to us for problem solving.
We develop our own blockchain networks for companies. Our programmers have excellent knowledge of Python, C++, JavaScript and can work with any storage systems. We can create a secure network or application to store any data.
We thoroughly study the problems, consider them from all sides and quickly collect the necessary information. Then we discuss the specifics of each problem with our clients, taking into account all the wishes of customers.
There are more than 20 specialists in our team. Most of the team members have higher technical education and have been working in IT for more than three years. And we'll always answer if you have questions or need help.
We develop programs in popular programming languages: Python, C++, JavaScript. That's why we can create universal solutions for any of your tasks: whether it's a program for the office, a database, an application or a blockchain network.
We help to solve any problem related to IT: we develop programs and applications, issue tokens and develop blockchain networks. Our clients are companies, offices, small and medium-sized businesses, and financial organizations.
We are engaged in comprehensive support of ready-made products. We can extend the functionality of ready-made programs and applications, if necessary. We can also help if you need to add something to your ready-made program.
After developing a program or creating a blockchain network, we help you understand how to effectively manage the product. We support customers and help them achieve their goals with our applications.
We develop our own blockchain networks for companies. Our programmers have excellent knowledge of Python, C++, JavaScript and can work with any storage systems. We can create a secure network or storage application.
We turn any of your IT ideas into a finished working project. We have released a large number of programs and applications, provided support to a wide variety of clients and earned their trust. They turn to us for problem solving.
We thoroughly study the problems, consider them from all sides and quickly collect the necessary information. Then we discuss the specifics of each problem with clients and together with them make a work plan, taking into account all the wishes of customers.
There are more than 20 specialists in our team. Most of the team members have higher technical education and have been working in IT for more than three years. And we'll always answer if you have questions or need help.
We help to solve any problem related to IT: we develop programs and applications, issue tokens and develop blockchain networks. Our clients are companies, offices, small and medium-sized businesses, and financial organizations.
After developing a program or creating a blockchain network, we help you understand how to effectively manage the product. We support customers and help them achieve their goals with our applications.
We develop programs in popular programming languages: Python, C++, JavaScript. That's why we can create universal solutions for any of your tasks: whether it's a program for the office, a database, an application or a blockchain network.
We take a professional approach to problem solving. We create tokens and help clients bring them to market, help you create your own blockchain for your tokens. We can help if you need to configure the management of tokens you already have.
We are engaged in comprehensive support of ready-made products. We can extend the functionality of ready-made programs and applications, if necessary. We can also help if you need to add something to your ready-made program.
We develop our own blockchain networks for companies. Our programmers have excellent knowledge of Python, C++, JavaScript and can work with any storage systems. We can create a secure network or application to store any data.
We turn any of your IT ideas into a finished working project. We have released a large number of programs and applications, provided support to a wide variety of clients and earned their trust. They turn to us for problem solving.