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Viabuy

Fintech mobile application based on React Native

Introduction

VIABUY, a brand of e-payment specialist PPRO, is one of Europe's most popular consumer prepaid card solutions. Coming with an e-money account with assigned IBAN for incoming and outgoing bank transfers, online banking features and an acceptance rate of nearly 100% for EU residents, VIABUY is not only a well-established prepaid card solution but a real bank account and credit card alternative for unbanked people and consumers with bad credit history, too. Founded in 2006, PPRO is headquartered in London and serve more than one million prepaid card users throughout Europe.

Cashless and mobile are rocking

Europe’s fintech landscape is very dynamic:
Recent statistics show that cash payments have decreased drastically, creating space for electronic payments.
70% of web traffic in Europe came from mobile devices, increasing the demand for mobile solutions.
Following industry trends and consumer needs, PPRO decided to develop a mobile version of its VIABUY services. The replication of all online services with a mobile app seemed natural.

Assignment of the client

All VIABUY web projects have been developed on ReactJS. That’s why React Native was the logical solution for developing the mobile version of VIABUY web services. The final objective of the project was replicating VIABUY web solutions with a cross-platform mobile app based on React Native.

A Fresh Look at Banking Apps

For VIABUY, PPRO was looking for a professional outsourcing software development company to work on a cross-platform mobile application based on React Native framework. In contrast to native development, which was traditionally popular among large financial organizations, and bearing in mind that React Native was a relatively new framework, a strong competence in cross-platform mobile development was required from a software development partner.

Possessing a deep expertise in developing various banking applications, and having more than 17 years experience in web and mobile development, K&C was able to prove its unique expertise in React Native development, and start working on the assignment.

Functionality of VIABUY mobile application

After the first workshop with the client where the general development approach was approved, K&C undertook the project with a clear understanding about the upcoming workflow.

K&C has reproduced the major functions of VIABUY web service with the developed cross-platform application. Mobile users can easily check their accounts’ balances, look through a list of transactions, add a new card as well as enjoy the entire VIABUY service functionality.

Features

The following app features available for both Android and iOS are worth mentioning, among many others:

Create new account fast & easily
Load money
Check transaction history
Activate card
Log-in with touch ID
Load card
Enjoy secure in-app data access
Resume app from sleep
Restore password
Activate card
Log-in with touch ID
Load card
Enjoy secure in-app data access
Resume app from sleep
Restore password

React Native + K&C custom plugins

Even in case of a lack of some ready-to-use features within the framework, K&C could extend the React Native functionality with customized native elements. For example, the framework provided partial support of some features connected with accessibility to the hardware of mobile devices, such as a fingerprint sensor solution for Android. The K&C team has developed a custom Android plugin for the fingerprint feature, making it work well on almost every device available in the market.

The entire development process of the cross-platform mobile application embracing the functionality of VIABUY web services took K&C less than 4 months. The period corresponded directly to the predefined time-line of the project.

The Project Confirms React Native Abundance

This project proved that React Native is great choice for cross-platform mobile development in spite of the required size and scope of any app project. Also, it meets the requirements of the complicated fintech applications.

Even a lack of some out-of-the-box features can hardly make React Native less attractive for customers looking for advanced cross-platform development. Continued growth of the React Native developers’ community will lead to filling the framework libraries with new effective elements. The rich functionality and rapid releases of the apps created on React Native should incentivize appearing new customers interested in fast and feasible cross-platform development.

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