{"id":92949,"date":"2022-12-07T15:21:19","date_gmt":"2022-12-07T12:21:19","guid":{"rendered":"https:\/\/innowise-group.inno.ws\/?post_type=case&p=92949"},"modified":"2026-03-19T10:23:27","modified_gmt":"2026-03-19T14:23:27","slug":"best-mobile-banking-app-features","status":"publish","type":"case","link":"https:\/\/innowise.com\/es\/case\/best-mobile-banking-app-features\/","title":{"rendered":"Mejora de la aplicaci\u00f3n de banca m\u00f3vil"},"content":{"rendered":"\t\t
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Bank-centric mobile app optimization and integration with Google Maps<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n Android<\/a>\n <\/div>\n \n
\n API<\/a>\n <\/div>\n \n
\n Banking<\/a>\n <\/div>\n \n
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\n Java<\/a>\n <\/div>\n \n
\n Kotlin<\/a>\n <\/div>\n \n
\n Map<\/a>\n <\/div>\n \n
\n Mobile<\/a>\n <\/div>\n \n
\n Mobile development<\/a>\n <\/div>\n \n
\n Objective-C<\/a>\n <\/div>\n \n
\n Payment<\/a>\n <\/div>\n \n
\n Swift<\/a>\n <\/div>\n <\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tInnowise has enhanced the customer\u2019s mobile banking ecosystem by developing software for card issuing machines, providing contactless deposits\/withdrawals through QR codes, and ensuring ATMs\u2019 integration with Google.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Challenge<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Before Innowise joined the project, our client had already assembled a mixed team of in-house IT specialists and outsourced software developers to improving their mobile application<\/span>. Five teams have already been working on over ten microservices, upgrading a mobile app and integrating it with third-party platforms when our engineers were assigned to the project.<\/p>

Our primary goal was not only to deliver software enhancements but also to guarantee top-notch security and compliance, as well as ensure immense agility and interoperability.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\"Bank-centric\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Solution<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Our client commissioned Innowise to perform a set of optimization and integration tasks. The main goal was to enhance the existing mobile application without reducing its velocity and to integrate it with external services. Based on the client\u2019s requirements and technical documentation, our project team enhanced the app with five new features.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\"Bank-centric\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Contactless deposits\/withdrawals through QR codes<\/p>

\nInnowise facilitated the interaction between the mobile application and ATMs, enabling customers to access cash without having to carry plastic cards with them.<\/p>

\nFrom the user\u2019s perspective, the basic flow looks understandable and transparent. To replenish or cash out, users should sign in and open the QR code tab on the main screen in the app and initiate the same operation via ATM. With their smartphones, users scan the QR code displayed on the cash machine’s screen and confirm the transaction by entering a code combination. Additionally, they may require printing a receipt to prove the transaction in case of claims.<\/p>

\nOn the server side, the process is more complex and involves data exchange within the plastic cards module, cash transactions unit, customers\u2019 accounts data, ATM management service, and core and app gateways. <\/p>

In essence, contactless QR code-based deposits\/withdrawals allow users to access their funds without having plastic cards in their hands. The cardholder can scan QR codes for payments after authorization in the app – otherwise, the system abandons operations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\"ATM\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Displaying ATMs on the digital map<\/p>

\nFurthermore, Innowise linked all the clients\u2019 ATMs located across the city into one ecosystem. They were equipped with tracking systems that gather, process, and transmit data to the mobile app.<\/p>

\nAfter opening the app, users can select the nearest ATM from a list. Moreover, users can choose a cash machine that matches their needs thanks to built-in filters (accessible currencies, working time, NFC support, availability for the visually impaired, etc.). The app’s map updates ATM statuses in real time so customers can ensure they’re approaching a serviceable ATM.<\/p>\n

Navigation to self-service devices<\/p>

\nThis feature is closely connected with the previous one. Upon logging in, the app detects the user’s location. After choosing the ATM on the map, the app paves the most convenient route to the selected cash machine and calculates the approximate distance, considering traffic load, detours, road repairs, and other conditions. While users head toward the chosen ATM, the app tracks directions by geotags and allows rebuilding the route instantly if they decide to go to another ATM. In terms of functionality, it shares many similarities with Google Maps, whose integration will be discussed next.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\"Integration\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Integration with Google Maps<\/p>

\nSince Google is a third-party service, integration requires eliciting requirements and drawing up detailed specifications to ensure error-free functionality. By doing this, we were able to integrate Google Maps seamlessly. The flow resembles displaying ATMs on the app and navigation toward them within a proprietary solution we considered above. Our vetted team has chosen appropriate APIs for both Android and iOS to gain compatibility and trouble-free performance across both operating systems.<\/p>\n

Software for card issuing machines<\/p>

\nLast but not least, our multidisciplinary team has developed card issuing machine software from scratch. To do so, we evaluated software requirements specification (SRS) and then compiled a solution that issues plastic cards without bank employees as intermediaries.<\/p>\n

These devices are also integrated with the mobile application. Users can apply for a plastic card online. As soon as their inquiry is approved, they are informed that they can obtain a plastic card themselves without having to visit a bank branch.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Technologies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n Android<\/a>, iOS<\/a>\n <\/div>\n <\/div>\n
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\n Swift<\/a>, Objective-C, UIKit, SnapKit, CoreAnimation, Modularization, GCD, RxSwift, Firebase (Analytics, Crashlytics) REST, XCTest, Core Location, XCode \n <\/div>\n <\/div>\n
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\n Android<\/a>\n <\/div>\n
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\n Kotlin<\/a>, Java<\/a>, Live Data, Data binding, Coroutines, Dagger 2, Glide, Retrofit, Navigation Component, Unit-Testing (Mockito)\n\n <\/div>\n <\/div>\n
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\n Database<\/a>\n <\/div>\n
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\n Firebase, Room, CoreData\n <\/div>\n <\/div>\n
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\n Software Architecture\n <\/div>\n
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\n Clean Swift, Clean Architecture, Feature modules, Feature toggles, Server Driven UI\n <\/div>\n <\/div>\n
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\n Google Maps, Samsung and Apple payment services\n <\/div>\n <\/div>\n
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\n QA<\/a>\n <\/div>\n
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\n Charles, Fiddler, Android Studio, Xcode, Postman\n <\/div>\n <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Process<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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As Innowise participated in the software development process alongside other counterparts, it was crucial to ensure smooth communication among various teams and distribute tasks accordingly. Our client chose the Scrum methodology to manage the project as the scope was divided into streams with intermediate results and regular meetings. After every stream, the project manager demonstrated solutions\u2019 demos to the customer, received feedback, and suggested changes based on the client\u2019s requests and recommendations. As the scope was not tightly predefined, we assumed alterations freely to attain maximum efficiency.<\/p>

The team communicated via Slack and MS Teams while using Jira to manage the project, track the progress, and execute tasks.<\/p>

During the project, we successfully dealt with a wide array of challenges that included:<\/p>