App Development
UrbanBank Mobile
A secure mobile banking MVP with streamlined onboarding flows, biometric authentication, and integrated customer support tooling for an emerging fintech.
Client
UrbanBank Financial Services
Industry
Fintech & Banking
Duration
12 Weeks
Year
2024
The Challenge
What they were facing
UrbanBank needed to launch a mobile banking product targeting the unbanked and underbanked population in South Africa. The app had to work reliably on low-end Android devices, support USSD fallback for areas with poor connectivity, and meet all SARB regulatory requirements for a Section 12 licence application.
Our Approach
How we tackled it
We followed a lean MVP methodology — identifying the 8 core features needed for launch and deferring nice-to-haves to Phase 2. Weekly compliance reviews with their legal team ensured every feature met regulatory standards. Usability testing was conducted with 50 target users in Umlazi and KwaMashu.
The Solution
What we delivered
A React Native mobile app with a Node.js backend, featuring biometric login, instant peer-to-peer transfers, airtime purchases, and a built-in savings goal tracker. The app was optimised for devices with as little as 1GB RAM and included offline transaction queuing for areas with intermittent connectivity.
Deliverables
Key Outputs
Mobile App (iOS & Android)
React Native app with biometric auth, P2P transfers, airtime, and savings goals.
Admin Dashboard
Internal operations portal for KYC verification, transaction monitoring, and customer support.
API Gateway
Secure REST API layer connecting the app to banking infrastructure with rate limiting and encryption.
Compliance Documentation
Technical architecture documents and security audit reports for SARB licence application.
Impact
Measurable Results
3,200
Beta Users
Signed up within the first 2 weeks of soft launch.
4.6/5
App Rating
Average rating on Google Play Store after 500+ reviews.
99.7%
Transaction Success
Transaction completion rate across all network conditions.
< 3 min
Onboarding Time
Average time from download to first transaction.
Breed Industries understood that we weren't just building an app — we were building financial access. They delivered a product that works for real people in real conditions.
Andile Ngcobo
CTO, UrbanBank Financial Services
Technology Stack
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