Digital Banking Solution

Maximize Your Revenues & Opportunities

Overview

Digital Banking Solution is iOS and Android-based app to deliver the ultimate mobile banking solution. It is the only mobile payment solution app that offers fun and social experience. In this application, you can send money to your friends (individual or in a group) at an actual time without any charges. So, it is the best platform to pay your friends across Argentina. For that, you just need to add money to your Digital wallet through your credit/debit card. You can transfer money from your Digital wallet to any bank in Argentina. This app can help the world go cashless.

Client Requirements

Our client approached Hyperlink Infosystem from Argentina to discuss an app idea to help users face cash payment difficulties. He wanted a digital payment solution that allows users to make cashless transactions from their mobile-only, where digital wallets play an essential role. The main agenda of this group is to defeat cash payment problems. He wanted an app for iOS and Android platforms to serve the best digital banking solution and give the power to pay with just one tap. Users can add money in their wallet via any bank credit/debit card and send it to their friends, groups of any social trust. In short, he wanted a convenient, fast, and secure app that maximizes the revenues and opportunities.

Designing

An app was designed to serve the digital payment solution. So, it had to be extremely user-friendly, and therefore the user interface is created in a way that required minimal accuracy during the interaction. The user easily understands the app's layout because of its simplicity. The size of the interactive elements was outstanding and large enough to avoid unnecessary errors. Along with over-sized interactive parts, we also integrated colors, icons, and fonts that figured a lot of intensity for the user experience from a professional perspective. In simple words, the app allows users to understand all functionalities without wasting time. So, they can easily navigate the app and collaborate with other users right way.

Interesting Features Implemented By Us

As per our client's needs, we developed an app with the following features.

Registration/Login

Any user is allowed to register or login through Facebook.
We implemented Sign Up form with all required details like name, last name, contact number, email, username, password.
Add Country Code

Secure Feature

Users are allowed to set 4 digit PIN at the registration time. And in each payment transaction, users must enter this number to make it complete.

View Transaction Details

Each transaction done by the user is displayed on the home page with its likes and comments.

Types of Transaction

In-app, there are five types of the transaction as mentioned below:

1) Group Transaction

2) Payment Sent

3) Payment Receive

4) Payment Request Sent

5) Payment Request Received

The different color format on every transaction

When you send a payment request, the transaction amount displays in red color.
When the friend receives and accepts the payment request, the amount displays in Green color.
When someone sends a request for money or any other transaction, it shows in Grey color.

Comment & Like:

Users can like or comment on any payment transaction that displays on their feed.

Add Contacts:

Users can add any other users of the digital banking app as friends.

Invite Friends on social platform:

This app also allows users to invite other people to join a digital wallet for payment.

Group Creation:

You can add your friends to contribute to group transactions and add the total amount as a group admin. The calculation of the amount will be change once any user paid for the group. Once you redeem a group amount, that group will automatically close.

Add Money

Users can add money in their digital wallet through Credit/Debit card.
Mercado Pago payment gateway is used for money transactions.

Extract Money:

This option allows users to transfer all money from digital wallet to their bank account or credit card. To leverage this feature, you just need to add a bank account name, CBU, and CUIL.

Settings:

Users can update their profile information, their profile password, and four-digit pin for wallet transactions in settings. And users can also find FAQ in this section.

Challenges And Our Solution

1. Payment Gateway: As client wanted to publish an app for Argentina province, we need to integrate Mercado Pago payment gateway. Mercado Pago payment gateway is only available in Beta version. So, this was little bit difficult for our developers.

Solution: To resolve this issue, our developers created one demo application and implement payment gateway and also done deep research of the whole functionality to implement SDK. After completing all this research, they successfully integrate Mercado Pago payment gateway as per client's requirement.

2. Scan Card: App has one great functionality that, you can pay by scanning your credit card. When you scan your credit card, your card details will be automatically scanned. So, you do not need to fill it manually. This is totally different library and actually, this was tough to do within a time.

Solution: As Scan card SDK library is totally different. Our developers work hard and done some great research. After done very deep analysis and R&D, they successfully develop Scan Card functionality within a time by integrating the Scan card SDK to direct payment SDK.

3. Group Transaction Details: Management of group transactions was one of the biggest challenge faced by our developers. To manage group members details for paid and remain amount and then display dynamic amount was the toughest part.

Solution: To fix this issue, our developers applied some logic where goal amount will be fixed during group creation. After group is created, total amount will divide with number of group members. Once any amount received from user will counted from the users first and then displays in total amount received. They applied same logic for pending amount too, and successfully enable group transactions.

4. Slider Menu: Client wanted to add slider menu in application that makes easy navigation for users. If you swipe right on payment transaction, it will be deleted and if you want to share it, then just swipe left. To manage same type scrolling on a single page is little bit difficult for our developers, because page slider is already available in iOS.

Solution: To manage two swipes for the same page for menu and for share and delete our developer needed to set gesture controls for the same page for listing and menu. Finally, the effective development skills of our developers made it possible with the best outcome.

Technology

Android and iOS

Android

Android OS support:
4.2 to 6.0

Development:
Java using Android Studio 2.3

Android Supported Devices:
480x800, 720x1280, 1080x1920, 1440x2560

iOS

iOS OS support:
iOs 7.2 to 9.3

Development:
Swift using Xcode

iOS Supported:
4S, 5, 5S, 6, 6S, 6 Plus, 6S Plus