Custom Mobile Banking App Development

Today's banking happens in smartphones, not browsers. With web solutions falling short, your customers expect to manage their finances on the go, and each day without a mobile app means losing them to more agile competitors.
Brights' mobile banking app developers specialize in creating mobile experiences that become part of your customers' daily routine. We build secure mobile banking solutions that put your functionality in users' pockets.

Take your bank mobile

Full-cycle mobile
banking app development services.

Mobile banking app consulting

Before diving into mobile banking app development, we are here to help you map out the right course based on your existing systems, security requirements, and user needs. Drawing from years of experience, we help you avoid costly mistakes, optimize development costs, and align your app with both business goals and banking sector regulations.

Mobile banking design

Our banking app developers create intuitive interfaces that make complex financial operations feel simple and trustworthy. Through meticulous user research, compliance-aware UX patterns, and incorporating user feedback, we design mobile banking applications your customers will confidently use every day.

Mobile banking app development

With security and user experience in focus, Brights specializes in iOS and Android banking app development, as well as cross-platform solutions. Our team seamlessly integrates your core banking functionality while implementing essential features and API integrations. We follow strict security protocols and maintain clean code that's ready to scale with your operations.

Banking app modernization

As part of our digital banking mobile app development services, we help modernize existing apps with targeted improvements to meet current banking demands. Whether you need to optimize transaction speed, enhance security with AI-driven fraud detection, improve user interactions, or fix performance issues — we've got it all covered.

Our projects.

Banking and payment platform
All-in-one business digital bank
learn more
MVP
Finance
Leap app
Virtual bank card for children with gamification
learn more
Mobile app
Finance
Monest
Fintech startup in area of long-term investment.
learn more
MVP
Finance

Advanced technologies for mobile banking.

01

AI-powered chatbots & virtual assistants

We build banking assistants that handle account management, payments, and problem-solving in real time. By combining natural language processing with banking operations, these assistants manage routine tasks and know when to connect users with human support.

02

Fraud detection & risk scoring

Our team creates systems that detect fraudulent and abnormal financial behavior while streamlining regulatory compliance. Using AI and machine learning, we help you identify suspicious activities and automate compliance workflows to protect your banking operations.

03

AI-powered lending & scoring

We create lending systems that predict loan performance using comprehensive data analysis. Our solutions help you assess risks more accurately, identify potential defaults early, and offer personalized lending plans that work for both you and your customers.

Challenge us with your idea
Tell us about your mobile banking app vision, and we'll share how our development team can bring it to life.

Banking application development process.

STEP 1
Initial engagement

We explore your business concept and create a tailored banking mobile app development strategy. Our transparent approach ensures you understand every step, with clear communication and detailed planning setting a strong foundation.

STEP 2
Project setup

Once we agree on the details, it’s time to move on to the project setup phase. Here, we define the project scope, set up project management tools, allocate resources, and create a detailed project plan with timelines and milestones.

STEP 3
Discovery phase

At this point, we dive deep into your requirements, market and user needs. Our team researches competitors, gathers detailed specifications, and maps out challenges and opportunities to ensure your banking app stands out and delivers real value.

STEP 4
Design

This is where your app starts taking shape. We create wireframes, prototypes, and detailed documentation to present you with intuitive UI/UX for your banking application that transforms complex operations into smooth, cohesive user journeys.

STEP 5
Development

Our mobile app developers follow agile methodologies and work in iterative sprints to build and integrate features. We also conduct regular updates and reviews with stakeholders to make sure that the project stays on track and aligns with the initial vision.

STEP 6
Quality assurance

No stone is left unturned. Our QA team rigorously tests every feature, transaction flow, and security measure. We combine automated and manual testing to ensure your app performs flawlessly in real conditions.

STEP 7
Product release

After thorough testing and validation, we move to the product release phase. The Brights team deploys the app to the production environment to ensure a smooth transition with minimal disruption. Then, we monitor the release to address any immediate issues that may appear.

STEP 8
Maintenance and support

Our development services include maintenance and support after the release to ensure your app remains up-to-date, secure, and efficient. Our support team is available to help you with any troubles, implement updates, and add new features as needed.

At Brights, we build security into every layer of your mobile banking application, integrating it with your core banking system. Our ISO/IEC 27001:2013 certified team implements essential banking standards, including GDPR and KYC regulations. We ensure secure authentication with FIDO2, OAuth 2.0, and 3D Secure 2.0, while following SOC 2 and NIST frameworks for comprehensive security.

Why choose Brights?

For over a decade, we've been focused on getting fintech development right. Each of our mobile banking app development projects builds on proven approaches and real-world testing.

Clients say.

Brights is rated 5/5 average from reviews on Clutch

The platform launched ahead of schedule, leading to faster sales. Brights software development agency showed impressive commitment to the project, formulating innovative solutions to challenges that focused on optimizing end-user experience. Their accessibility and drive for quality were greatly appreciated.
“The platform launched ahead of schedule, leading to faster sales. Brights software development agency showed impressive commitment to the project, formulating innovative solutions to challenges that focused on optimizing end-user experience. Their accessibility and drive for quality were greatly appreciated.”
Despite the niche product, Brights is able to quickly understand the requirements and deliver them in a timely manner. The project manager is professional and responsive. Customers can expect a team of experienced and dedicated experts to handle complex tasks.
“Despite the niche product, Brights is able to quickly understand the requirements and deliver them in a timely manner. The project manager is professional and responsive. Customers can expect a team of experienced and dedicated experts to handle complex tasks.”
The solution has been critical to early startup success and has significant growth potential. Brights was quick to ask clarifying questions and committed to deadlines. Their ability to offer alternative ideas for product optimization at the right time was especially welcome.
“The solution has been critical to early startup success and has significant growth potential. Brights was quick to ask clarifying questions and committed to deadlines. Their ability to offer alternative ideas for product optimization at the right time was especially welcome.”
I am pleased to count Brights software as a partner for all tasks related to the implementation of our app. Their skillset covers the scope of UX/UI design to implementation and testing, and we could complete some critical phases, in a timely and efficient manner. Their costs and schedule are totally under control, thanks to a strong dedication and communication.
“I am pleased to count Brights software as a partner for all tasks related to the implementation of our app. Their skillset covers the scope of UX/UI design to implementation and testing, and we could complete some critical phases, in a timely and efficient manner. Their costs and schedule are totally under control, thanks to a strong dedication and communication.”
Brights' website redesign resulted in a 35% increase in leads and attracted and engaged potential end clients. Throughout the project, they demonstrated responsiveness, flexibility, and proactivity. Their cost-effectiveness, unwavering commitment, and utmost professionalism were noteworthy.
“Brights' website redesign resulted in a 35% increase in leads and attracted and engaged potential end clients. Throughout the project, they demonstrated responsiveness, flexibility, and proactivity. Their cost-effectiveness, unwavering commitment, and utmost professionalism were noteworthy.”
Brights’ work meets all client expectations so far. They excel in offering strategic feedback. Their code quality is high, and they’re very thorough in their testing. The team is organized and efficient in managing the project. Brights is an innovative team that brings its client’s vision to life.
“Brights’ work meets all client expectations so far. They excel in offering strategic feedback. Their code quality is high, and they’re very thorough in their testing. The team is organized and efficient in managing the project. Brights is an innovative team that brings its client’s vision to life. ”
Brights software agency has excellent project management skills and communicates effectively. The project manager does a great job of keeping everything organized and clear. All team members are very involved and engaged in the whole project.
“Brights software agency has excellent project management skills and communicates effectively. The project manager does a great job of keeping everything organized and clear. All team members are very involved and engaged in the whole project.”
The Brights team was a pleasure to work with. They went above and beyond in understanding the complexity of the project and provided smart solutions in a very tight time frame. On top of that, their team was professional, knowledgeable, and helpful.
“The Brights team was a pleasure to work with. They went above and beyond in understanding the complexity of the project and provided smart solutions in a very tight time frame. On top of that, their team was professional, knowledgeable, and helpful.”
The company delivers professional results that meet specifications, for a reasonable price. The finished CRM is easy to use and capable of handling complex tasks. Brights used regular conference calls to communicate effectively and work towards a deliverable that met expectations.
“The company delivers professional results that meet specifications, for a reasonable price. The finished CRM is easy to use and capable of handling complex tasks. Brights used regular conference calls to communicate effectively and work towards a deliverable that met expectations.”
Taras Żerebecki
Head of Operations, Tradalaxy
Canada, Ontario

Brights is rated 5/5 average from reviews on Clutch

Darragh Hayes
CEO, LEI Worldwide
Ireland, Dublin

Brights is rated 5/5 average from reviews on Clutch

Matthew Covi
Founder, Signal Intent
USA, NY

Brights is rated 5/5 average from reviews on Clutch

Vincent Favereau
Co-Founder, Monest
UK, London

Brights is rated 5/5 average from reviews on Clutch

Guillaume D. Champeau
CCO & Co-Founder, TRES BIEN GmbH
Germany, Munich

Brights is rated 5/5 average from reviews on Clutch

Steve Fuller
CEO, The Guided App
USA, California

Brights is rated 5/5 average from reviews on Clutch

Vincent Tavernese
Founder, Flippick Inc.
USA, NY

Brights is rated 5/5 average from reviews on Clutch

Anett Thomson
Head of Strategy & Partnerships, The Earth Foundation
Geneve, Switzerland

Brights is rated 5/5 average from reviews on Clutch

Max Breus
Systems Engineer, CPA Canada
Toronto, Canada

Brights is rated 5/5 average from reviews on Clutch

Brights is rated 5/5 average from reviews on Clutch

Level up your mobile banking
Let's talk about transforming your digital banking into experiences that keep customers coming back.

Technologies.

Front-end
for visually appealing, responsive, and user-friendly web interfaces.
Vue.js
React
Next.js
Redux
Back-end
for secure, efficient, and scalable server-side processing.
PHP
Laravel
Asp.Net.Core
Node.js
Rest API
GraphQL
Nest.js
Swagger
Mobile
for robust, high-performance, and user-centric mobile applications.
React Native
Kotlin
Swift
Languages
for versatile and efficient coding for various software needs.
Javascript
ES6
Typescript
C#
Database
for reliable, fast, and efficient data storage and management.
MongoDB
PostgreSQL
MS SQL Server
Infrastructure
for optimal, scalable, and secure application performance.
DigitalOcean
AWS
Heroku
Azure
GitHub
Serverless
Bitbucket

Our awards.

ISO/IEC 27001:2013 certification
Storyblok Certified Partner
Hygraph Certified Partner
Top 1000 Companies Global 2024
Strapi Certified Partner
Top AI Strategy Company 2024
Top the Manifest AI Deployment Company
Top Software Development Company

FAQ.

When building a mobile app for banking and financial services that integrate with your existing core system, the cost varies based on the solution's complexity. Here are the estimates from the Brights team that include both iOS and Android versions of your app:

  • $40,000 — $60,000 for a basic banking app for existing bank clients that includes essential features like secure login and authentication, account balance and history viewing, document retrieval, basic transaction capabilities, and statistical insights;

  • $100,000 — $150,000 for a standard banking app that includes all basic features plus new client registration, bank account opening, comprehensive account management, card controls, etc.;

  • $200,000+ for an advanced banking app that includes all standard features plus loan applications, deposit account management, AI-powered banking assistant, account sharing capabilities, gamification elements, advanced analytical tools, and more.

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