Fintech application
Agent banking, bill payments, AEPS, wallet operations and multi-bank payouts in one mobile product.
01 / Project story
Agents often switch between fragmented tools for onboarding, payments, AEPS, wallet activity and payouts.
A mobile fintech product consolidates KYC, bill payment, wallet, AEPS and multi-bank payout workflows.
02 / Product capabilities
Designed as part of a cohesive fintech application experience, with clarity, reliability and practical use in mind.
Designed as part of a cohesive fintech application experience, with clarity, reliability and practical use in mind.
Designed as part of a cohesive fintech application experience, with clarity, reliability and practical use in mind.
Designed as part of a cohesive fintech application experience, with clarity, reliability and practical use in mind.
03 / Benefits
Consolidates agent workflows
Expands service coverage
Improves transaction visibility
04 / Trade-offs
Financial compliance is mandatory
External banking dependencies affect availability
05 / Technology
The architecture for BillBnk was shaped around the product workflow, integration boundaries and long-term maintainability. Technologies are used for specific responsibilities rather than added only to make the stack appear larger.
Delivers shared mobile product experiences across Android and iOS.
Structures identity-verification steps required by financial workflows.
Tracks stored-value operations, transaction history and balance-oriented workflows.
Supports assisted banking transactions through the Aadhaar Enabled Payment System.
Interface, business logic, persistence and external services remain separated so changes are easier to reason about.
Validation and predictable contracts protect downstream workflows from incomplete or unexpected input.
Runtime limits, secrets, external dependencies and failure paths are considered as part of the implementation.
06 / Delivery approach
Understand the users, business objective and constraints.
Map the core journey and reduce unnecessary interaction.
Implement maintainable interfaces, services and data flows.
Test behavior, responsiveness and failure paths before release.
Project by Sandipan Das