Neobank App Development

Integration with your chosen BaaS provider -- Synapse, Treasury Prime, Unit, Green Dot, Marqeta, Lithic, Stripe Issuing, or solarisBank -- connected to FDIC-insured account infrastructure where your market requires it. Account provisioning APIs, ledger balance and transaction APIs, card issuance APIs, and payment rail connections including ACH, RTP (Real-Time Payments), and FedNow for instant account funding and disbursement.

The integration layer between your product and the underlying banking infrastructure is the foundation everything else runs on. We map your product requirements to the BaaS API capabilities during discovery, identify the gaps, and build the middleware needed to bridge them. BaaS providers vary significantly in API maturity -- some offer well-documented REST APIs with sandbox environments; others require additional integration effort and have undocumented edge cases that surface during testing. We assess the integration complexity for your chosen provider during scoping and include that estimate in the delivery timeline. FinCEN SAR filing workflows are handled within the AML layer for providers that expose the necessary reporting endpoints.

Digital onboarding with identity verification via Jumio, Onfido, or Alloy: document capture, liveness check, data extraction, and automated decision with configurable pass/fail thresholds. Account screening against ChexSystems and Early Warning Services (EWS) for US consumer accounts -- a required check for most BaaS providers before account opening. Sanctions screening against OFAC, EU consolidated lists, and HM Treasury lists. PEP (politically exposed person) checks at onboarding and on an ongoing basis. AML transaction monitoring via NICE Actimize or ComplyAdvantage flags suspicious transaction patterns post-onboarding.

Risk scoring based on customer profile and transaction behaviour feeds the enhanced due diligence workflow for high-risk profiles. Regulation E error resolution workflow handles disputed transactions within the 10-business-day investigation window required for consumer accounts. Onboarding conversion is a real business metric -- we design the KYC flow to minimise drop-off at each step without relaxing the compliance controls your e-money licence or BaaS agreement requires. The goal is the maximum number of verified customers at the lowest drop-off rate.

iOS and Android banking app built native or in React Native: account overview with current balance and available balance, transaction history with merchant name enrichment and category tagging, card management, push notifications on every transaction, biometric authentication (Face ID and fingerprint), and PIN management. Apple Pay and Google Pay NFC provisioning allows customers to add their virtual or physical card to their device wallet directly from the app, with the tokenisation handshake handled through your card issuer's provisioning API (Marqeta or Lithic both expose this endpoint).

The transaction feed is the most-used screen in a banking app -- merchant logo, clean categorisation, and clear amounts matter more than most teams expect. We design the mobile experience around the real usage patterns of your target customer. UDAP consumer protection requirements apply to the language used in disclosures, fee notices, and error messages within the app -- these are reviewed during the copy and design phase, not added as an afterthought. The app also surfaces FDIC coverage notices and account terms at the points where regulation requires them, so your compliance obligations are met inside the product flow rather than buried in footer links.

Virtual and physical card issuance via your BaaS card programme using Marqeta or Lithic as the card issuer, with BIN sponsorship provided by your BaaS partner. Instant virtual card delivery to the app on account approval, physical card ordering with delivery tracking, card freeze and unfreeze, PIN change and reset, and transaction notifications for every card spend. Marqeta's card controls API exposes spend control parameters at the individual card level -- merchant category code (MCC) blocking, velocity limits by transaction count or amount, geographic restrictions, and single-use virtual card generation for online purchases.

Customer-configurable controls in the app map directly to these API parameters: the customer sets a rule in the UI, the app writes it to the card controls API, and the card network enforces it at authorisation time. Apple Pay and Google Pay NFC provisioning is handled through the card issuer's tokenisation endpoint, allowing in-app wallet provisioning without directing the customer to a manual card entry flow. The card management experience is a primary engagement surface -- customers interact with card controls more frequently than most product teams anticipate, and a slow or confusing controls UI is a direct driver of churn.

Automatic transaction categorisation using merchant category codes (MCC) from the card network combined with merchant name enrichment -- the raw MCC is a starting point, but a category model trained on your customer base produces significantly more accurate labels than MCC alone. Categories include groceries, dining, transport, entertainment, subscriptions, utilities, and customer-defined custom categories. Monthly spending summaries by category with trend comparison to prior months. Budget setting with real-time progress tracking and overspend alerts delivered as push notifications.

Recurring payment detection surfaces subscriptions the customer may have forgotten -- the detection logic looks for same-amount, same-merchant charges at regular intervals and flags them as probable subscriptions with a cancel or review prompt. Savings pots or goals with automatic round-up contributions or scheduled transfers are provisioned as sub-accounts via your BaaS ledger API (Unit, Synapse, and Treasury Prime all support sub-account or vault structures). The analytics layer turns transaction data into the insight that differentiates your neobank from a plain current account -- and it drives daily active use in a way that a static transaction list never will.

In-app customer support via Intercom integration or a custom chat implementation: support ticket initiation, chat history, and handoff to human agent. Push notification architecture for transaction events, security alerts, balance updates, and product announcements -- built on APNs (Apple Push Notification service) and FCM (Firebase Cloud Messaging) with delivery confirmation tracking.

Dispute initiation flow for unrecognised transactions follows Regulation E requirements: the customer-initiated dispute captures transaction details, the customer's account of events, and any supporting evidence. Provisional credit is applied within the Regulation E timeframe where your BaaS provider's ledger API supports it. Status tracking gives the customer visibility of the investigation without requiring them to call in. Account closure and data export flow for GDPR Article 17 (right to erasure) and Article 20 (data portability) compliance. Paid tier upgrades -- for premium account tiers with additional benefits -- are handled via Stripe, with subscription management exposed in-app alongside the tier benefit comparison. The support and notification layer determines how customers experience problems -- fast, in-app resolution keeps support costs low and churn lower.