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Development of Scalable Digital Banking Platform with Regulatory Compliance

thedroidsonroids.com

Financial services

Telecommunications

Consumer products & services

Challenges in Launching a Regulatory-Compliant Digital Bank

Need to develop a secure, user-friendly mobile banking app under EMI model without in-house development team. Must achieve regulatory compliance, enable rapid user onboarding, and support full banking functionality while scaling internal engineering capabilities.

About the Client

Branchless digital financial institution providing modern banking solutions in Pakistan

Strategic Goals for Digital Banking Platform

Deliver MVP meeting strict regulatory standards
Implement seamless 2-minute user enrollment process
Provide comprehensive banking features through intuitive interface
Establish scalable technical architecture for future growth
Maintain 85%+ test coverage for code reliability

Core Banking Platform Requirements

Instant money transfers to banks/wallets
Bill payments for 900+ providers
Mobile top-up services
Biometric authentication (Face ID/fingerprint)
Debit card management (activation/ordering)
CNIC/selfie verification onboarding
International user registration with NICOP/POC
24/7 in-app customer support

Technology Stack Requirements

Kotlin programming language

Android Jetpack components

MVVM architecture pattern

Hilt for dependency injection

Coroutines for asynchronous processing

Retrofit for API communication

Critical System Integrations

Regulatory compliance verification systems
National ID database (CNIC) integration
Payment gateway infrastructure
Telecom provider APIs for mobile top-ups
Biometric authentication frameworks

Operational Requirements

Support 2M+ active users with horizontal scaling
Achieve 99.9% application uptime
End-to-end encryption for financial transactions
Compliance with Pakistani financial regulations
Sub-2 second transaction processing times

Anticipated Market Impact

Position client as market leader with 2M+ active users, 90,000+ 5-star reviews, and top 10 App Store ranking. Enable financial inclusion for underserved Pakistani populations while maintaining 85% test coverage for regulatory adherence and system reliability.