Itexus delivered the app according to the requirements. The team met all development milestones and deliverables. They were efficient, friendly, and cooperative. Itexus team was very timely with updates, a regular meeting cadence, and ad-hoc questions and answers via Slack. The team was very responsive and still is.
Mobile Banking App Development
We develop mobile banking apps for banks, credit unions, neobanks, BaaS providers, and fintech startups — delivering intuitive UX, enterprise-grade security, and launch speeds that beat the market.
Mobile Banking Apps We Build
Digital Banking Apps
Full-featured applications that provide access to traditional banking services such as checking accounts, savings, payments, and transfers via mobile or web platforms.
Crypto Banking
Apps that enable users to manage cryptocurrencies, including buying, selling, storing, and transferring digital assets securely.
Neobanking Apps
Neobanking apps with digital KYC, real-time spending insights, and smart savings tools, built-in P2P payments and personalized finance tips.
Digital Lending Systems
Tailored platforms for managing personal or business loans, including credit scoring, application processing, and repayment tracking.
Money Transfer Apps
Applications designed to facilitate quick and secure domestic and international money transfers with features like currency conversion and real-time tracking.
Expense Tracking Apps
Tools that help users monitor and categorize spending, set budgets, and get financial insights for better money management.
Our Mobile Banking App Development Projects
Cryptocurrency e-Wallet Application Ecosystem for a Global FinTech Enterprise
PCI DSS-compliant application ecosystem for Coinstar, a leading international fintech company with $2.2 billion in annual revenue. This ecosystem features web and mobile crypto wallets, embedded kiosk software, and a cloud-based API server, enabling users to trade cryptocurrencies and over 50 digital assets, make crypto payments, and link their bank accounts for fiat-to-crypto conversions.
Get your mobile banking app to market in 4 months.
Partner with a banking app development company experienced in fintech delivery timelines.
Features of Our AI Banking Solutions
Fraud Detection & Prevention
ML models monitor transactions in real time to detect and block suspicious activity — reducing fraud losses and manual review costs.
AI Chatbots
Virtual assistants handle routine customer queries 24/7, cutting support costs and improving response times.
AI Credit Scoring
Alternative data + ML algorithms enable faster, more accurate loan decisions with lower default risks.
Personalized Financial Insights
AI in banking analyzes user behavior to deliver smart budgeting, saving, and investment tips — increasing engagement and retention.
Typical Mobile Banking App Functionality Overview
Authentication and Authorization
Secure and convenient sign‑in with biometric 2FA (e.g., Face ID, Touch ID).
Customer Onboarding
Fast, convenient, and secure creation of customer accounts with a digital KYC process — personal verification, biometrics, and ID document verification.
Account Management
Instant opening of bank accounts, remote closing of accounts, viewing account balances, replenishing accounts, performing transactions from accounts, viewing and sharing account details, sharing accounts between different users (e.g., one account for the whole family).
Card Management
Issuing virtual and physical cards, viewing and sharing card details, card management (renaming, activation, blocking/unblocking, etc.), velocity rule management (setting limits and selected merchants, etc.).
Payments and Money Transfers
Simple, secure and instant payments and money transfers that comply with PCI DSS and are verified by biometrics, OTP, or the user’s password to ensure security. We can enable the following types of transactions: instant payments between your customers, ACH transfers, card‑to‑card money transfers, scheduled payments.
Transaction Management
Allows your users to keep track of their finances by accessing transaction history, details, and a filtered search for certain transactions.
External Payment Methods Management
Connect and manage external bank accounts/credit cards of other financial institutions.
Bill Payments
Comprehensive bill payment service that enables your users to view, organize, schedule, and pay both recurring and one-time bills directly through the app and keep track of due dates.
Customized Dashboard
The dashboard allows users to see all important data at a glance: balances (cards and accounts) updated in real time, pending payments, recent transactions, etc.
Spending Tracker
An easy way to let your users track their spending, view categorized transactions, set weekly/monthly budgets, and set and track progress on saving goals.
Digital Lending
Automate the entire lifecycle of a loan with a digital lending feature that includes a loan calculator and credit scoring. From online loan application and underwriting to data-driven decision making, loan disbursement, and collection. Digital lending can also be implemented as a standalone solution.
Personal Manager/Customer Support
Respond and resolve cases quickly and efficiently with convenient options for accessing customer support – a chatbot and call request form.
Notifications Center
In-app and push notifications are powerful tools for increasing customer engagement and promoting new offerings. They allow users to get instant information about transactions, which also increases the app’s security by alerting fraud attempts.
Ready to work with experienced mobile banking app developers?
1
Share your project idea
and we’ll get back to you within 24 hours to sign the NDA and discuss the next steps.
2
Discuss your project
with a team of expert software architects, fintech analysts, and UI/UX designers.
3
Receive a detailed proposal
including software architecture, functionality, UI/UX design, and a detailed cost estimate with a feature-by-feature breakdown.
4
We start development
If you like the proposal, we’ll sign the contract and start development within 1-2 weeks, and get your MVP live in 3-4 months.
Ready to work with experienced mobile banking app developers?
FAQ on Banking App Development
How much does banking app development cost?
On average, banking app development cost starts at $200.000 and can reach $500.000 depending on various factors. The final cost depends heavily on the complexity of the solution, which directly affects the number of hours required to implement it. Multiply this number by the hourly rate of the development team, and you’ll get a rough estimate. To get a more accurate estimate, contact our team.
How long does is take to develop a banking app?
The time it takes to develop a banking software depends on several factors, such as the scope of work (number of features and their complexity) and the number of integrations, the overall complexity of the solution, etc. Share your idea with us, and we’ll estimate the time needed to develop your mobile banking app.
What is the technology stack for banking app development?
We’re well-versed in all modern technologies that underpin the fintech sector and can therefore pick the best tech stack for your project to ensure your software’s efficiency and high performance while cutting development time and cost.
How does the development of a mobile banking app begin?
We’ll start by exploring your ideas and needs, defining your goals, and clarifying your requirements. Then, we’ll create a cost estimate for your project. After you approve the budget, let the development phase commence!
What is yo banking app development process? How is the workflow organized?
We follow a comprehensive yet flexible banking software development process. First, we discuss your goals and high-level requirements, define the project scope, decide on third-party providers, and create a preliminary delivery schedule. Then, our business analysts determine the detailed requirements while UI /UX specialists design an intuitive and visually appealing user interface. After you approval the requirements and UI, Itexus’ experienced banking app developers, guided by a solutions architect, deliver increments using an iterative approach (with 2–4 week iterations). Delivered increments are tested by our QAs to ensure quality. Concurrently, our backend team implements integrations with required third-party services(the selection of suitable third-party providers takes time, so we recommend choosing them at the very beginning of the project). Throughout all phases, our experienced project managers ensure that deliveries are on time and on budget, and keep you regularly updated on progress. Once complete, the project team releases the application and submits it to the app stores if required.
Can you integrate my banking app with third-party providers?
We’ve established partnerships with leading third-party providers and have extensive experience integrating financial software with payment gateways, KYC providers, BaaS platforms, credit scoring systems, electronic signature providers, and other services. If you’re unsure about which providers are right for you, our specialists will be happy to conduct research and offer you the best options that meet all your needs.
Can you guarantee my banking software’s security and data privacy?
As a recognized banking software development company, we follow international data security and protection protocols to develop high-quality and secure applications that protect user data and eliminate any vulnerabilities.
Clients’ Testimonials & Awards
