Fintech Mobile Wallet That Redefines Everyday Banking

The client is a UK–based fintech credit broker regulated by the Financial Conduct Authority (FCA). Focused on simplifying banking, the organization offers digital current accounts and payment services aimed at expanding access to low-cost, hassle-free financial solutions.

• Scaling an unconventional banking model to reach a wider, mobile-savvy audience
• Providing basic banking services without the complexity of traditional banking platforms
• Ensuring seamless integration with payment networks, gateways, and bank accounts
• Designing an intuitive experience that encourages frequent usage and customer engagement

We designed and developed a mobile-based digital wallet that serves as a first-choice interface for basic banking and payment services. Following a pilot launch, the solution was refined through structured usability testing to ensure a user-friendly experience aligned with customer expectations.

The digital wallet enables customers to manage finances effortlessly while capturing “mobile moments” using a clean, intuitive UX focused on simplicity and accessibility. Other features include standing instructions, goal-based “jam jar” savings, core banking transactions, and cashback rewards from retail/online partners.

• Human-centered UX design refined through formal usability testing
• Native mobile applications for iOS and Android platforms
• Secure integration with Visa, payment gateways, and banking systems
• Scalable middleware to support transaction processing
• Designed for high engagement and frequent mobile usage

• Accelerated customer enrollment through a mobile-first banking experience
• 34% growth in new account creation, month over month
• Increased platform adoption and usage across customer segments
• Strong appeal among millennials seeking simple, low-maintenance banking
• Enhanced customer engagement through anytime, anywhere financial access