Case Study: MyAmeria Mobile Banking App Development for Ameriabank

Client

Ameriabank is a universal bank in Armenia that provides corporate, investment and retail banking services and is supervised by the Central Bank of Armenia. Its digital arm is the MyAmeria online and mobile banking system, which lets customers manage their money, view account, loan and deposit balances, check exchange rates and make payments without visiting a branch.

Challenges

The goal was to make everyday banking available from a smartphone in just a few taps, without compromising on security, accuracy of financial data or trust in the bank's digital service. Promodex worked on the MyAmeria mobile app with a focus on the customer's key everyday scenarios.

The users are the bank's retail customers, digital card holders, people who regularly make transfers, pay for services or deal with foreign currency, and customers with high data protection expectations.

Everything important on the home screen: card, balance, accounts, loans, deposits and recent transactions.
Transfers and payments in one place: between accounts and cards, international and government payments, utilities, mobile top-ups, fines, templates.
Currency operations: cash and non-cash exchange rates and a currency calculator.
Secure login: biometric authentication and protected sign-in flows.
Up-to-date data: banking API integration for balances, cards, rates and transactions.

Solution

Navigation based on frequency of use. We identified the core scenarios (login, balance, cards, transfers, bill payments, exchange rates) and built a structure with Home, Transfers, Applications and Menu sections so the most frequent operations are always at hand.
Start screen. Convenient login with biometric access and quick public services: exchange rates, map, news and information about the bank.
Home screen and cards. A card with its balance, account, loan and deposit blocks, contacts for quick operations and recent transactions. Card details include the masked number, expiry date, settings, top-up, transfer and transaction history.
Payments, using fines as an example. A Transfers and Payments section with transfer categories, bill payments, currency exchange and templates. To pay a fine, the user sees the charge details, chooses the account to debit, enters the amount, can save a template and confirms.
Rates and APIs. A Rates screen with a Cash / Non-Cash toggle and a link to the currency calculator. The mobile interfaces were connected to the bank's APIs with secure data transfer and masking of account details.

Results

Core mobile banking modules for working with banking products from a smartphone every day.
Home screen with the active card, balance and quick access to accounts, loans, deposits and transactions.
Transfers and payments module with various transfer types, bill and fine payments, currency exchange and templates.
Biometric login makes accessing the app easier and protects customer data.
Up-to-date data on cards, balances, transactions and rates thanks to banking API integration.

Technical details

Platform: cross-platform app for iOS and Android (Flutter, React Native).
Integrations: the bank's REST API for accounts and cards, payments and transfers, exchange rates; push notifications.

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