mobile banking app DEVELOPMENT Services


Mobile banking application development for flexible and convenient banking

With 12-year experience in custom software development for the banking industry and the financial services sector, ScienceSoft has been helping banks and financial services companies sharpen their competitive edge with the power of mobile technology. At ScienceSoft, we use our deep knowledge of mobile banking application development to make your banking solutions engaging and commercially viable. With a custom mobile banking app, you can provide better customer experience by delivering flexibility and convenience of the essential banking operations right from mobile devices. 

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Our Mobile Banking Apps Portfolio

Award-winning Mobile Banking App


  • For large and midsized banks: Create and retain close ties by providing branchless banking to individual and commercial customers.
  • For community banks: Reach out to customers in geographically remote and rural areas. Cater to local business needs with tailored features and functions.
  • For credit unions: Improve union members’ satisfaction by offering to experience the convenience of mobile banking services.

Challenges we solve

With a mobile banking app, banks and financial institutions can successfully handle the following challenges:

Improving customer experience

Improving customer experience through personalized banking and a convenient access to loyalty programs on the go.

Selling more to existing customers

Selling more to existing customers with targeted new products and services. With stronger personal ties, banks and financial institutions will foster customer retention as well as embrace new cross- and upselling opportunities.

Attracting small businesses

Attracting small businesses by combining individual and business banking in one application.

Reducing service costs

Reducing service costs by getting cheaper mobile transactions. E.g., a bank can save $4.15 on average for every mobile check deposit, leading to $49.80 in cost savings per customer annually (Javelin Strategy & Research).

Getting access to cheaper funds

Getting access to cheaper funds by attracting deposits with lower interest rate. By bringing convenient mobile banking services, banks can increase the number of depositors from rural areas or distant locations.


ScienceSoft specializes in custom mobile banking solutions aligned with our customers’ specific requirements, not the general ones. Depending on your requirements, we can deliver various types of banking apps:

  • Basic apps allow following the "we-too" strategy to keep up with mobile banking adopters or to experiment on the market with low risks. For this, we deliver basic mobile banking features such as account overviews, bill pay, etc.
  • Advanced apps bring personalized, differentiated mobile banking experiences by adding a number of extra features, e.g. a financial analyzer, personalized reminders and notifications, etc.
  • A-class apps help to achieve leadership in client service by introducing a powerful and full-featured digital platform with seamless transactional experience.


ScienceSoft’s experts assist companies in choosing the functional scope for their mobile banking app. Our solutions can include, but are not limited to, the following features:

Account management

Account management to check account balances and transaction history

Money transfer

Money transfer to another person and between the owner’s accounts at different banks, with the option of an instant transfer


GPS-navigation to find the nearest service point or ATM

Mobile RDC

Mobile RDC to check deposits using a mobile device camera

Payments scheduling

Payments scheduling to make regular payments and pay bills in a snap

Customizable alerts

Customizable alerts to receive text, email and push notifications (account alerts, bill pay reminders, security alerts), and more

Our customers can also access the following advanced functionality:

Personal financial management

Personal financial management

Personalized bank product offering

Personalized bank product offering

 Loyalty program integration

Loyalty program integration

Augmented reality

Augmented reality, and more

At ScienceSoft, we tailor mobile banking solutions to meet customers' needs and ensure delivering additional features upon request.

Ensuring security

ScienceSoft pays a special attention to provide a completely secure mobile banking environment to eliminate the possibility of fraud and encourage user adoption. Our security solutions include a 2-factor identification used for 1) registration: through an activation code sent via SMS, 2) authorization: by linking a mobile banking app to the user’s device, 3) managing the list of devices with the account access 4) confirmation of transactions, and 5) PIN change.

ScienceSoft has been working in Security Intelligence since 2004 and has achieved IBM Gold Business Partner status in 2017. 


  • Native:
    • iOS
    • Android
    • Windows Phone
  • Xamarin (cross-platform development, native code)

Contact us 

ScienceSoft’s experts will help you define the project scope, taste the concept and unfold essential mobile banking features. Our dedicated team will work closely with your subject matter experts through the entire implementation process to turn your idea into a well-thought mobile banking software. After delivering a ready-to-use app, we ensure its maintenance and support. Reach out to our banking and financial services IT consultants to discuss your personal preferences and learn how you can get the most of your custom mobile banking software.

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