Mobile app for seamless retail banking and investment services

Fintech | Retail banking | Investments | Mobile platform

Client Overview

Niyo is a mobile-first fintech platform serving retail users across India, offering digital banking, card, payment, and investment services.

Project overview

Enhancement of the existing Niyo mobile app to deliver bank account access, payments, and mutual fund investments in one integrated experience.

Business challenge

To offer a unified financial experience, Niyo needed secure, resilient, and scalable integrations with multiple banking partners and the mutual fund investment platform. Achieving this required addressing performance, reliability, and journey consistency across different service providers.

Business Impact

Combined everyday banking and mutual fund investing in one mobile app

Reduced user effort caused by switching between separate financial services

Improved reliability and consistency of partner banking and MF transactions

Supported product expansion through standardized integration patterns

Solution delivered

We contributed to the development of the Niyo mobile app, designing and implementing secure API integrations with Yes Bank, DCB Bank, and the Goalwise mutual fund platform. We structured authentication flows, transaction execution, account linking, KYC routing, and error-handling patterns to ensure stable, predictable in-app behavior across partners.