Case Study: Telcell Wallet Fintech Super App Development

Client

Telcell Wallet is an Armenian multi-service fintech app that brings together everyday payments, a digital Visa card, transit and event tickets, the BON loyalty program, PartPay installments, online loans and spending analytics. For businesses, there is a separate Telcell Business line with payment acceptance, terminals and acquiring. The app is designed as a single place for all of a user’s everyday financial transactions.

Challenges

Payments, the card, tickets, bonuses and credit products had to work not as a set of separate services but as one convenient fintech app, with a single web storefront for the entire ecosystem, a separate entry point for business partners, and fintech-grade security.

The audience: private users who pay for services every day, city transit passengers, event-goers, loyalty program members, installment and loan customers, and Telcell’s business partners.

All payments in one place: more than 600 services, including utilities, fines, taxes, loans and telecom.
Paperless everyday purchases: QR transit passes and event tickets on your smartphone.
More reasons to come back: BON bonuses, redeeming points for products, installments and loans.
Control and security: spending analytics, KYC, biometrics and payment data protection.

Solution

Web storefront and app home screen. The website presents the entire ecosystem and lets visitors download the app via a QR code. The app’s home screen shows the balance, the digital Visa card, a PartPay widget, promo banners and favorite payments.
Payments and tickets. A catalog of more than 600 services with search, categories, automatic retrieval of payment details and amount verification. A transit pass can be bought in a few steps and shown to the validator as a QR code that is available even offline; event tickets come with a catalog, filters and a “My Tickets” section.
Digital card and loyalty. A Visa card with masked details, limits, blocking, and support for Apple Pay and Google Pay. BON Market lets users redeem points for products, and there is a referral program.
Installments, loans and analytics. PartPay shows the limit, active installment plans and the payment schedule with an early repayment option; loans come with a calculator, an application form and online scoring. The “Finances” screen breaks down spending by category in a donut chart.
Security and the business line. KYC, PIN, Face ID and Touch ID, two-factor authentication, 3-D Secure, PCI DSS compliance and anti-fraud monitoring. Telcell Business was set up as a separate environment for partners: online and offline payment acceptance, Telcell Terminal, acquiring, and onboarding requests.

Results

Built a web storefront and an iOS and Android mobile app that bring all Telcell products together.
600+ services can be paid from a single app.
Transit passes and event tickets are purchased and stored on the smartphone.
BON bonuses, PartPay installments and online loans are integrated into everyday payments.
Partners received a separate B2B line for connecting to Telcell’s payment infrastructure.

Technical details

Platform: web built with Next.js and TypeScript, apps built with Swift and Kotlin, a microservices backend on Kubernetes with PostgreSQL, Redis, ClickHouse and Kafka.
Integrations: payment gateway and service providers, a partner bank for card issuing, Apple Pay, Google Pay, credit bureau and scoring, push notifications via APNs and FCM.

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