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7 Key Steps For Building Your Mobile Banking App

Digital methods of banking have skyrocketed in terms of preference in the past few years. One of the primary reasons for this is the convenience they provide. Everything is just a tap away, and you are made the most complicated steps accessible from the comfort of your home.

New apps’ online features are accommodating even more facilities with each passing day. Solutions for personal fund management, investing, crypto-trading, etc. are all finding their place in users’ daily lives. 33% of people have claimed to be retained with a bank only because of the internet banking service it provides, so read on to know the critical steps for building such an app.


Now that you know that there is a popular demand among your clients for the mobile banking app, you also need to understand why and how you can accommodate their needs well. For this purpose, you need to have the research intact and derive helpful information to base your app on.

The research is multifold, and you should know about the customer base, stakeholders, issues, and problems that may arise, and your competitors. It is of utmost importance to conduct market research for these factors before moving on and establishing an app.

You should be very thorough as to which features are of priority to your app personally and why the users will appreciate those features. This will help you analyze and lure your clientele better. They will be more satisfied with the end-result as well, and your focus will be fixed.


This basically means a rough sketch and idea of how you intend to take things forward. It incorporates the market research and also holds the first-hand vision of an idea that you are to bring to life with the bank app.

Essentials for the app go here- everything from design to features and working should be enlisted in a functional idea. This is a raw sketch, so things don’t have to be perfect, but go with the flow and get a goal as to how you want the final version to be and where you want to start.

You can start with low-fidelity wireframing or use an existing app wireframe to plan out your app details within black and white grid-like structures. The graphic presentation, content, layout, micro-interactions, and components of the mobile app interface can be all combined for a functional hi-fi prototype to be demonstrated.


This is one of the most crucial steps since this is the first impression of your bank app. It will speak to your customers and users before you will get a chance to. The ease and convenience will also be reflected through elements and design of the app, which is one of the most pressing factors for retaining customers’ usage of the app.

This is one of the most crucial steps since this is the first impression of your bank app. It will speak to your customers and users before you will get a chance to. The ease and convenience will also be reflected through elements and design of the app, which is one of the most pressing factors for retaining customers’ usage of the app.

The design will decide your interface judgment by the user, which will further determine its capacity to be used easily by a layman. The following factors are suggestions from our end to guide you through this experience:

  • Have a style for your brand that is followed throughout online and gets reflected in typography, buttons, and icons.

  • Choose a color theme to go with your brand image. Both text and images should be set in this theme for consistency.

  • The app icon should be unique and should stand out. The quirkiness will help you land customers quite well.

  • Make sure that the navigation is in lieu of the logical architecture and not an unnecessary pattern or sequence.

  • Adjust to third-party standards to market better and be on the lookout for cultural differences if you are hoping to get global.


You should choose a technology stack for your FinTech app according to the technological needs of the project. In the case of a banking mobile application, you should consider the front-end and back-end languages to be used along with cross-platform frameworks.

You should also be wary of the prerequisites that you need the most, like security firewalls and robustness. Once you are well-versed and have research about the pros and cons of each kind of app, it will be easy for you to pick according to your needs the type that suits you the most.

This prepares you for the challenges you might face with these apps as well. The scope of the project, its complexity, its scalability, the competition it faces, and the possibility of an increase in the same, and necessary tools and software needed are also clearer and more highlighted in this step.


Having a mobile banking app ready structurally, this is ideally the beginning of the end of the process. It is essential to develop the app and make it functional after testing. You can either outsource a team for the same or use a simple mobile development application.

In the case of new and complicated ideas that need attention to detail and intermittent involvement after every few steps, you should hire a team. This will help you bring out the best of ideas in a more customized way, so it’s better even if it’s more expensive than a ready-made app.

The app-builders that you use might not always give you the influence that a team will. You can use this method if your app is really simple, and you do not have the funds or technical skills to involve a team or do it yourself. An app-builder can help you maintain your app and give you analytical data for processing and feedback.


People should know about your app for them to download and use it. Otherwise, there is no use of so big an investment, don’t you think? This is the step where you sell your app so that the potential users get lured into using it due to the advantages it gives them.

Third-party app platforms like Google Play Store or AppStore will help you get the app up where someone can find it and download it easily. You can also enable downloading from the online business banking website itself, or advertise about it through schemes and lucrative discounts.

Since your mobile app is tested well and the improvements and changes have already been tested, this step will enable you to present your best self. Your internet banking app will start getting ratings, which will further begin a chain of promotion of the same. If you’re using an app-builder, these standards are ideally up-to-date anyway.


It is crucial to keep bringing the changes that your users may need. Updates allow you to fix bugs and give space for more permanent solutions in regards to the problems that will arise with the use of the app in areas such as personal banking.

Maintenance of the app every once in a while, ensures that it does not have significant issues, especially those that pose a threat to the user. Since they are sharing sensitive information, a user is genuinely scared of such possible faults, mostly because of the history of negligence in this regard.

It is also necessary for customer satisfaction that you keep informing them about these updates. Users have a sense of belongingness and feel served better when the company they use for online business banking involves them for feedback and improvement.

Are you about to launch your own application? Contact us and get a free consultation from our experts in FinTech mobile development.



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