Innowise Group

Native iOS and Android applications serving as a digital wallet for instant payments

The mobile application is integrated with APIs of several major banks of the country. After registration and verification in the app, users get access to their digital wallets. To replenish the account, residents transfer money from their local bank accounts, while tourists just add their bank cards for that. 

Users can make requests for payment (e.g., split a restaurant bill for several people), pay using QR codes, make money transfers to another person by her or his mobile phone number or email. The app also provides information about bank account balances and stores the history of payments. 

Our team worked on backend and native iOS and Android applications, as well as business analysis and quality assurance of the project. The solution is developed in accordance with ISO 20022 standard, uses Swift MT, and integrates RTJS for real-time payments between banks. To protect confidential data, we integrated a security system (TLS 1.2, SSL Pinning, check for rooted devices), used PIN code validation and data encryption. The solution has multi-tenant architecture and thus can be used and tailored to the peculiarities of any bank system. 

Technologies and tools: Java, RxJava, Kotlin, MVVM and Clean Architecture, Coroutines, Dagger 2, JUnit, Mockito, REST, Robolectric, Espresso; Swift, MVP and VIPER, RxSwift, GCD, XCTest, Firebase