Smartex Mobile App
Mobile App — Native Banking for Android & iOS
Mobile App is the mobile banking experience of the Smartex Money platform. Native Android and iOS applications, fully branded for your business, with transfers, payments, QR codes, biometric login, push notifications, and multi-language support. Published to Google Play and App Store under your developer account.
The mobile app is not a thin wrapper around a web page — it is a true native application built on Kotlin (Android) and Swift (iOS) with platform-specific optimizations. This means instant startup, smooth animations, offline capability, and access to device features like camera for document scanning and biometric sensors for authentication.
Core Features
Account Management
View balances and transaction history for all accounts. Multi-currency support with real-time conversion. Account statements exportable to PDF and CSV.
Transfers & Payments
Internal transfers, SEPA, SWIFT, and P2P payments. Contact list with saved beneficiaries. QR code payments for instant transfers. Batch payment approval for corporate clients.
QR Code Payments
Scan-to-pay for merchant and P2P transfers. Generate QR codes to receive payments. Dynamic QR with amount and expiry. Compatible with national QR payment standards.
Biometric Login
Fingerprint, Face ID, and iris recognition for instant and secure authentication. Fallback to PIN for devices without biometric sensors. Per-device registration and management.
Push Notifications
Real-time push notifications for transactions, approvals, and alerts. Configurable notification preferences per category. Silent push for background data sync.
Multi-Language
Support for 20+ languages including English, Russian, Spanish, Arabic, Chinese, and French. RTL layout for Arabic and Hebrew. Language switcher without app restart.
Advanced Capabilities
Document Scanning
In-app document scanning for KYC, loan applications, and support requests. OCR extracts text from ID documents automatically. Edge detection and perspective correction built in.
Loan Management
Apply for loans, view repayment schedules, make early repayments, and track loan status. Push notifications for due dates and overdue payments.
Card Controls
Freeze/unfreeze cards, set spending limits, enable/disable international transactions, and view card details. Virtual card creation for online purchases.
Branch & ATM Locator
GPS-based locator for branches and ATMs. Filters for services available. Distance and travel time estimates. Click-to-call and directions integration.
In-App Chat
Secure messaging with customer support. File attachments, message history, and agent availability indicators. Chatbot integration for common questions.
Spending Analytics
Personal financial management dashboard — spending categories, budget tracking, and savings goals. Visual charts and trend analysis for informed decisions.
Security & Compliance
Device Security
Root/jailbreak detection. App tamper protection with code obfuscation. Secure key storage in device keystore. Certificate pinning to prevent MITM attacks. Automatic logout on inactivity.
Data Protection
End-to-end encryption for all API calls. No sensitive data stored on device. Session tokens with short expiry and refresh mechanism. GDPR-compliant data handling.
Multi-Factor Authentication
SMS OTP, authenticator app, and biometric second factor. Step-up authentication for high-value transactions. Configurable per transaction type and amount threshold.
Fraud Monitoring
Device fingerprinting and behavioral biometrics. Unusual login location detection. Transaction pattern anomaly alerts. Integration with ADS Engine for real-time fraud scoring.
Deployment & Customization
White-Label Branding
Your logo, your colors, your app name. Splash screen, app icons, and store screenshots customized. Published under your developer account on Google Play and App Store.
Feature Configuration
Enable or disable features per deployment. Turn off loans if you do not offer lending. Add custom modules via SDK. Feature flags for A/B testing and gradual rollout.
App Store Publishing
We handle the full publishing process — store listings, privacy policy URLs, screenshots, and review compliance. Metadata optimization for discoverability.
Ready to launch your mobile banking app?
Our mobile app gives your customers a premium banking experience on their phones. Schedule a demo to see your brand on a real device.
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