The Challenge
A digital banking startup had regulatory approval (PPI license) but no tech platform. They needed a fully licensed, PCI DSS compliant mobile banking app in 9 months — with UPI, account management, investment portfolio and AI-driven spending analytics.
Our Solution
CodTeg built the complete app — front-end in React Native (iOS + Android), backend on Node.js microservices on AWS, with PCI DSS compliant infrastructure, end-to-end encryption and RBI-compliant KYC/AML flows.
Key Features Delivered
Biometric Security
Face ID, Touch ID and PIN fallback with session management, device binding and zero-trust architecture — passing all RBI security audits.
UPI & Multi-Mode Payments
UPI, IMPS, NEFT, RTGS, credit/debit card bill pay, mobile recharge, utility bills and international remittance — all from one app.
AI Spending Insights
ML-powered spend categorization, budget alerts, savings goal tracking and personalized investment recommendations based on transaction patterns.
PCI DSS Compliance
End-to-end encryption, tokenized card data, fraud detection engine, real-time transaction anomaly alerts and RBI audit-ready compliance logs.
Investment Portfolio
Mutual fund SIPs, digital gold, fixed deposits and insurance — with real-time NAV, portfolio performance graphs and tax reporting.
Smart Statements
Interactive transaction history with spending graphs, exportable PDF/Excel statements, GST credit tracking for businesses and CA-ready reports.
Measurable Results
1L+
Active users in 10 months
PCI DSS
Level 1 compliant infrastructure
<1s
Average transaction time
0
Security incidents since launch
9 months
Full app delivered on schedule
"Building a regulated fintech app with 1 lakh users is no small feat. CodTeg delivered a rock-solid, PCI compliant platform that our RBI auditors praised."
— Kartik Agarwal, CTO, BankEase
Technology Stack
React Native
Node.js
PostgreSQL
AWS
Redis
Firebase
RBI PPI APIs
Biometric SDK
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