SME Mobile Banking APP
A mobile banking application tailored for SMEs, supporting business account opening, transfers, payroll disbursement, and multi-level approval workflows
Project Overview
Challenges
Solution
Security-first native mobile banking architecture
Account Opening & Verification
OCR scanning, video call verification, and citizen digital certificate NFC reading
Transfers & Payments
Instant transfers, QR code transfers, time deposits, and limit management
Payroll Disbursement
Payroll workflow, employee list import, batch processing, and result queries
Permissions & Security
MOTP verification, device binding, multi-level approvals, and audit trails
Key Features
Online Business Account Opening
Fully online account opening with OCR + video verification + NFC certificate reading
Secure Device Binding
MOTP verification codes + device management to ensure account security
Instant Transfers
Supports standard transfers, QR code scan transfers, and quick transfers to saved accounts
Payroll Disbursement
Batch import employee payroll lists with one-click disbursement after multi-level approval
Pending Approvals
Manager's to-do list for real-time review of transfer and payroll requests
Account Reports
Account statement queries, statement downloads, and transaction notification settings
Key Metrics
Results
Security Compliance Passed
Passed FSC APP white-box and black-box security testing standards
Dual Platform Launch
iOS and Android native APPs launched simultaneously
Payroll Automation
Fully automated enterprise payroll disbursement with multi-level approval support
Knowledge Transfer
40 hours of comprehensive technical knowledge transfer and training
Tech Stack
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