A mobile banking application is what customers use daily to check balances, move money, and manage accounts. When authentication is slow or a transaction fails silently, that shows up as a one-star review. We design access, security, and compliance as one system, built for banks, credit unions, and fintechs who need it to work on the busiest day.
Book a banking app call
85%
Long-term Partnerships
75%
Mid-to-Senior Engineers
5+
Avg. Years of Engineer Experience
98%
Would Recommend Us
Chances are one of these is true.
What we build for the app.
We build account access, biometric security, core system integration, and compliance monitoring as one system, not separate vendor pieces stitched together. Each part is designed for the daily use and audits a real banking app has to survive.
Balances, transfers, and notifications the moment a transaction happens.
Balances and statementsFund transfers and bill payReal-time notificationsCard management
We build the account access layer that shows balances, moves money, and sends real-time notifications the moment a transaction happens. Card freeze, spending limits, and lost-card reporting sit in the same flow, not a separate menu customers have to hunt for.
Face ID and fingerprint login tuned to your risk profile, not a default.
Face ID and fingerprint loginDevice-level securitySession managementFraud alerts
Login and every sensitive action run through biometric authentication designed the way fintech app UX design treats security as a trust signal, not friction. We tune session timeouts and step-up authentication to your risk profile, not a generic default.
Core banking and open banking APIs connected without manual work.
Core banking connectivityThird-party aggregationAPI-based data sharingLegacy system connections
Your app has to talk to core banking systems and open banking APIs that were not always built with a mobile client in mind. We build the connections that keep account data in sync without manual reconciliation.
Release management and monitoring built alongside compliance.
Regulatory compliance controlsCrash & performance monitoringRelease managementApp/Play Store readiness
Regulatory review and app store submission both expect specific technical evidence. We build release management and crash monitoring alongside the compliance controls, so a bad release gets caught before customers do.
Zethic's fintech practice, spanning banking, payments, lending, insurance & forex.
Why banks & fintechs pick us.
A mobile banking application differs from a shopping app, and we treat it that way. Our team designs for access, security, and compliance from the start.
Regulatory and app store requirements are not an afterthought here. Biometric standards and audit trails are part of the architecture from day one.
You work with engineers from our fintech team in Bangalore who have built banking apps before, not a team learning mobile banking on your project.
If you have an existing banking app, we migrate it in stages so your live customer base keeps using it, without losing access while we rebuild underneath.
Senior engineers from day one, with real banking app security experience behind them. Our mobile banking app development pairs you with people who have shipped banking apps before, not an account manager relaying notes.
Start a banking app build{ 01 }· Week 1
We learn your core banking setup, your customer base, and the regulatory requirements that apply, so your app development is scoped before build work starts.
{ 02 }· Week 2-3
We design the account access layer, the biometric security, and the compliance controls your app needs, with core banking integration built in from the start.
{ 03 }· Build
We build the app in tested increments and run it against real device and network conditions, not just a lab environment, so it holds up on your customer's phone.
{ 04 }· Launch and run
We take the app through app store submission and into production, then stay on for monitoring and the next release on your roadmap.
Questions, answered.
A mobile banking application is the customer-facing app that gives account access, transfers, and account management from a phone, connected to your core banking system. Any bank, credit union, or fintech serving retail customers needs one, whether built in-house or run through a vendor.
Yes. We design the app to meet biometric authentication, data localisation, and audit trail requirements from the start, so a security or regulatory review is a checkpoint rather than a rebuild.
Yes. Much of our work is modernisation: migrating account access and security logic in stages so your live customer base keeps using the app while we rebuild the parts that need it.
Cost depends on your existing infrastructure, your customer base, and how much of the app needs to be built versus modernised. We scope this after a short discovery and agree the cost and timeline before any build work starts.
We design the app and backend to distribute load across servers and scale horizontally, applying the same layered thinking behind our KYC and AML module work for onboarding and monitoring. This is tested against burst conditions before launch, not assumed.
Tell us about your customer base and where you are in your compliance timeline. A senior engineer replies within one working day, no sales script.
Tell us the build
Share your customer base, core banking setup, and compliance status. We sign an NDA so it stays between us.
Talk it through
A senior engineer works through the account access, security design, and compliance requirements with you.
Get a clear plan
A scoped architecture plan with an honest cost band and a compliance-aware delivery timeline.
Tell us about your customer base and where you are in your compliance timeline. A senior engineer replies within one working day, no sales script.
