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Development of Secure and Scalable Personal Banking Mobile Applications with Integrated Telecom Services for European Market
  1. case
  2. Development of Secure and Scalable Personal Banking Mobile Applications with Integrated Telecom Services for European Market

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Development of Secure and Scalable Personal Banking Mobile Applications with Integrated Telecom Services for European Market

n-ix.com
Telecommunications
Financial services

Challenges in Launching Integrated Banking Services

The client needed to differentiate itself by offering localized, secure personal banking services integrated with telecom operations while maintaining compliance with financial regulations (KYC/AML) and ensuring robust cybersecurity protections against data breaches.

About the Client

A leading mobile network operator with over 25 years of experience, combining telecom and financial services to provide innovative mobile banking solutions to 5M+ customers across Europe

Objectives for Banking Solution Development

  • Launch innovative mobile banking solutions for Android and iOS platforms
  • Implement secure financial transaction capabilities with telecom service integration
  • Ensure compliance with European financial regulations and data protection standards
  • Establish scalable microservices architecture for B2C payment processing
  • Achieve 200K+ active users within initial market deployment

Core Banking Platform Requirements

  • Contactless NFC payments and digital wallet integration
  • Peer-to-peer money transfers with real-time settlement
  • Utility bill payment automation (electricity, water, telecom)
  • Personal loan application and disbursement workflows
  • Cashback rewards tied to telecom service usage
  • Biometric authentication (fingerprint, facial recognition)
  • Phone balance top-up integration

Preferred Technologies for Mobile and Backend Development

Kotlin (Android)
Swift (iOS)
Flutter (cross-platform)
Spring Boot (backend)
PostgreSQL (relational database)
MongoDB (NoSQL database)
OWASP ZAP
SonarQube
Keycloak (identity management)

Critical System Integrations

  • Government-issued ID verification API (eIDAS compliant)
  • Payment gateway providers (Visa/Mastercard)
  • Telecom billing systems integration
  • Third-party fraud detection services
  • Secure biometric storage frameworks

Security and Performance Requirements

  • PCI-DSS compliance for payment processing
  • Penetration testing with zero critical vulnerabilities
  • 99.99% system availability with disaster recovery plan
  • Sub-200ms response time for core transactions
  • Automated security code analysis (OWASP Top 10 coverage)

Expected Business Outcomes

Deployment of a market-unique telecom-financial hybrid solution expected to achieve 200K+ active users within 18 months, reduce customer acquisition costs through service bundling, and establish regulatory compliance framework for expansion into adjacent European markets while maintaining zero security incidents through continuous vulnerability management.

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