Idram Fintech Mobile Banking App Case Study

Client

Idram is a concept for a digital banking service for individuals and businesses in the SEPA zone. The product combines multi-currency accounts, physical and virtual cards, instant SEPA transfers, bill payments, savings, and spending analytics. The main customer channel is a mobile app for iOS and Android; the product had to comply with PSD2, GDPR, and AML/KYC requirements and let customers open an account without visiting a branch.

Challenges

The goal was to combine the functionality of a neobank with a simple, visually light interface where key actions take just a few taps: check the balance, send money, pay a bill, freeze a card. At the same time, a financial product called for an approach with security built in from the very first screen.

The audience: retail customers in the SEPA zone, users of multi-currency transactions in EUR and USD, small businesses and self-employed people, as well as people with high security expectations.

Everyday banking without complexity: balance, quick actions, and recent transactions on the home screen.
Full card control: freezing, limits, card details, Apple Pay.
Fast transfers: SEPA transfers with up-to-date exchange rates and a choice of delivery speed.
Bill payments: service search, QR payments, and upcoming bills.
Security: KYC, two-factor authentication, Face ID, SMS codes, 3-D Secure, and masking of sensitive data.

Solution

Structure built around mobile scenarios. We analyzed the logic of accounts, cards, payments, budgeting, and security, and defined the key screens: Home, Cards, Send money, Pay, Activity, Profile, sign-in, and onboarding.
A warm palette instead of a "banking" one. A minimalist interface with a cream background, orange action buttons, dark cards, and soft components.
Cards and transfers. Swiping between cards, freezing, a monthly spending limit, and payment type toggles. A transfer flow covers choosing the account and recipient, IBAN, the amount at the current exchange rate, a comment, SEPA delivery speed, and swipe-to-confirm.
Payments, history, and profile. A Pay section with services and upcoming bills, and a transaction history with filters for incoming, outgoing, and accounts, plus search and grouping by date. The profile shows verification status, Face ID, PIN, trusted devices, language, and default account.
Web banking as a complement. We designed desktop interfaces for Dashboard, Cards, Transactions, Pay & Transfer, and Settings for managing the account in the web portal.

Results

A mobile app for iOS and Android covering the core everyday banking scenarios.
A home screen with the balance, quick actions, a spending chart, and recent transactions.
Card management: freezing, limits, card details, Apple Pay, contactless and online payments.
SEPA Instant and standard transfers with up-to-date exchange rates and swipe-to-confirm.
Web banking for managing accounts, cards, and transfers on a computer.

Technical details

Platform: iOS and Android on React Native; web banking on React, Next.js, TypeScript, and Tailwind CSS; PostgreSQL, Redis, Kafka, Kubernetes.
Integrations: SEPA / SEPA Instant, SWIFT, Visa and Mastercard, Apple Pay, Google Pay, KYC verification, APNs and FCM push notifications.

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