Mobile Banking & Loan App
React Native fintech app for a microfinance institution — biometric login, real-time balance, loan tracking, and offline-first architecture for low-connectivity areas.
The Challenge
The client served rural customers with unreliable internet. Their existing USSD system could not support modern loan products or digital statements, and branch visits cost customers an average of 4 hours per transaction.
Our Approach
Built a React Native app with an offline-first SQLite layer that syncs when connectivity returns. Integrated National ID OCR for instant KYC, biometric authentication, and push notifications for payment reminders. Backend on Node.js with core banking REST integration.
The Result
85% of transactions moved to self-service within 60 days. NPL rate dropped 12% due to automated payment reminders. App rated 4.7 stars on Play Store with 22,000 active users in month 3.
