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
Full-featured applications that provide access to traditional banking services such as checking accounts, savings, payments, and transfers via mobile or web platforms.
Apps that enable users to manage cryptocurrencies, including buying, selling, storing, and transferring digital assets securely.
Neobanking apps with digital KYC, real-time spending insights, and smart savings tools, built-in P2P payments and personalized finance tips.
Tailored platforms for managing personal or business loans, including credit scoring, application processing, and repayment tracking.
Applications designed to facilitate quick and secure domestic and international money transfers with features like currency conversion and real-time tracking.
Tools that help users monitor and categorize spending, set budgets, and get financial insights for better money management.
Our Mobile Banking App Development Projects

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?

and we’ll get back to you within 24 hours to sign the NDA and discuss the next steps.
with a team of expert software architects, fintech analysts, and UI/UX designers.
including software architecture, functionality, UI/UX design, and a detailed cost estimate with a feature-by-feature breakdown.
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.