The development of mobile applications in the financial sector is one of the most popular directions in 2021. According to Insider Intelligence, 89% of banking users use mobile banking – mostly Millennials and Generation X between 20 and 55. The mobile application allows you to completely replace or reduce the load on bank branches, reduce the cost of renting premises and staff, and increase customer loyalty.

What tasks does the banking application solve?

Automates processes and saves budget. With the help of the online service, a person can apply for a loan or receive a debit card, download the necessary certificates or ask a question to the chat bot without the participation of bank employees. Thus, the application avoids the factor of human error and saves money on training and maintenance of employees.

Increases loyalty. The opportunity to get any banking service at any time without leaving home gives a good competitive advantage and keeps customers among regular users.

Provides an additional platform for marketing and analytics. In the application, you can inform about new services and changes in work, hold promotions and contests, create a separate loyalty program and send push notifications with an individual offer to each client. The service also provides detailed analytics of user actions: what channels they come from, what functions they use most often, what they spend money on, etc.

Mobile Banking Features

In the process of creating mobile applications for a bank, basic functions with basic banking services are added to the basis and, depending on the preferences of the target audience, additional options are introduced.

The main

  • user authentication and authorization
  • setting up a personal account
  • support chat
  • linking bank cards
  • viewing card and account balances, expense history
  • setting a limit on spending
  • contactless payment
  • money transfers to other cards and accounts
  • replenishment of a mobile phone and housing and communal services
  • currency exchange
  • purchase and sale of securities
  • issuance of account statements, bank details
  • card blocking and unblocking
  • push notifications


  • budget statistics
  • system of bonuses and cashback for purchases through the application
  • payment by QR code
  • voice menu
  • creating a family account

Trends in the banking application market

Big data

Big Data is a large amount of data that is processed by automated tools and used to collect statistics, make predictions, and make decisions. With Big Data, the bank can analyze customer behavior, create personalized offers and make decisions on loan applications. Companies that learn how to properly sort and manage data will be able to offer better solutions to users.

Complete ecosystems

In recent years, large banks have begun to concentrate entire ecosystems around themselves with proven consumer services. For example, in the Tinkoff bank application, in addition to basic functions, you can buy movie tickets, book a hotel or sign up for an excursion and get cashback. A person does not need to additionally register on each site and fill in the card number: the data is automatically transmitted through the application.

Voice control

The function is actively moving from everyday tasks to banking products. Otkritie Bank and Citibank were the first to add voice control to the application, the rest of the companies are only developing their voice direction. In the future, this will allow you to find the necessary documents in the service, determine the nearest ATM, answer customers’ frequently asked questions and set up regular payments.

Family Products

Opening an account for several people in Russia was legally allowed only in 2018, so products for each family member are just beginning to develop. For example, Tinkoff, Raiffeisenbank and Alfa-Bank have family accounts in applications. Now the market lacks a separate application for children with an educational approach and a separate set of services.

Augmented reality

The technology is still used in a targeted manner and mainly for marketing, but it has a good perspective. For example, VTB mortgage lending clients are offered a virtual tour of a property, and a virtual consultant explains the basics of investing in an app.

Development stages

The AppCraft development studio is attentive to every step: it helps us to accurately determine the client’s needs and create the desired application functionality.

Consulting and analytics

Before starting the development, we conduct interviews with a client, immerse ourselves in business goals, study the audience and communication channels, analyze competitors – this will help to correctly position ourselves with clients.

Preparation of technical specifications

We write down the project goals, interface and security requirements, functionality, development stages, team composition and budget. We sign a contract and start development.


We reproduce the basic logic, structure and functionality of the future application. Typically, the prototype is created in the form of screens at each stage of the user journey. It is not yet a finished product, but it helps to test its functionality in order to fix bugs and improve the user experience at the initial stage.

UX / UI design development

The UX designer builds the logic of interaction between the pages: registration and authorization screens, filling in data, personal account, shopping cart, purchase payment, order tracking, etc.

The UI designer develops the appearance of the future service in accordance with the terms of reference and the client’s corporate style. He selects a color scheme, fonts, renders icons, buttons, push notifications, sliders, etc. After approval, the prototype is sent back for review to correct the shortcomings.

Backend and frontend development

Front-end programmers develop the client interface and platform logic, and back-end developers create a server for storing and exchanging information.


To test the features, people who have not participated in other stages of development are involved – they must be impartial and with a fresh eye to evaluate every page, button and push notification. To do this, you can involve a professional QA team with their own test plan, list of features and desired behavior. In the process, they test functionality, performance and design. For additional confidence, a focus group is attracted with people who use the application for the first time.

Publication and revision

After launching in the marketplace in the Google Play Store and Apple App Store, you will have access to detailed statistics: which sections are the most popular and which ones are not very popular, how many people completed targeted actions, which pages should be modified, etc. code revision and technical support.

Order the development of an application for a bank can be in AppCraft. We are ready to turn your idea into a full-fledged product that will help maintain communication with customers and increase profits. We deal with all stages of development from analytics to release, help with promotion and provide prompt technical support. For 10 years, we have created several of our own projects and more than 200 mobile applications – banking systems, instant messengers, corporate solutions, e-commerce and social networks.

Contact us via the form to discuss the details and find out the exact price.

With the advent of Aliexpress, Ozon, Wildberries and other popular Internet applications, people have fully experienced the convenience of a quick order in a few clicks and are no longer so willing to access sites. If you have an online store, it’s time to think about its mobile version, so as not to lose your own audience.

AppCraft studio has been engaged in mobile development for 9 years and has created more than 208 applications for iOS and Android, including in the field of e-commerce. In this article, we share our experience and tell you how to create an application for an online store.

Why does an online store need an application?

Now the creation of a mobile application is no longer a fashionable feature, but a strategic tool that will help retain its customers, attract new ones and increase profits.

Fast and convenient ordering. People have begun to use their phones more often, but the mobile version of the store is not always responsive: it loads slowly, has inconvenient little buttons and links. Such pages are often left without reaching the order. The application solves this problem: it takes into account the characteristics of each smartphone and has an intuitive interface that helps you complete a purchase in a few minutes.

Push notifications. Pop-up messages on your phone are much more effective than SMS and email newsletters, and are also free. With the help of them, you can set up a mailing list for a narrow circle of people and tell them about promotions and sales. People are much more likely to open these messages and make a repeat purchase.

Attracting new users. If you are hosted on Google Play and the App Store, you may be found through these sites. They can also place advertisements and display store advertisements on the first line of search results.

Integration with instant messengers and social networks. Users can share their purchases with others or talk about interesting products in their accounts. This is another way to advertise your online store for free and natively.

What are the stages of development?

Business and market analysis

Before starting the development, we conduct analytics: we study the goals of the business, its audience, the network of products and competitors in the market. The AppCraft team conducts interviews with the customer, his customers, organizes focus groups and expert assessment to get as much information as possible.

This data will help us develop an application that will meet the needs of customers and stand out from the competition.

Preparation of technical specifications

After the analytics, the customer and the developers draw up a list of requirements, set deadlines, budget and team composition.

Here are the main points of the terms of reference:

  • Business goals
  • Portrait of potential consumers
  • User journey map.
  • Mandatory and optional options that must be valid in the online store.
  • Technical requirements for interface, performance and security.
  • Implementation of UX and UI design.
  • Development stages.
  • Cost of work.

Team building

A project from and to is created by a product manager, analysts, marketers, developers, designers and testers. The number of specialists depends on the scale of the product, the budget and the time frame. All this is agreed with the client before starting work and discussed during development.

AppCraft employs a permanent team with extensive experience in creating and developing applications, which performs its tasks with high quality and works for the result. We are confident in the professionalism of each of them, therefore we practically do not involve external employees.

Development of a prototype

A prototype is created to test the application for usability and functionality, in order to fix bugs and improve the user experience at the initial stage.

The prototype helps to reflect the logic, structure, UX and UI design and all functions, test them and start developing the final product.

Main application development

Takes up the largest amount of time and resources: developers write code, work out the architecture, create backend and frontend. Before that, programmers study analytics well, the customer’s tasks and implement his ideas into reality.


Now testers are involved in the work – people who are called upon to press every button, open all pages and push notifications in order to find all bugs and shortcomings and understand how convenient it is for them to buy in an online store. It is important that such specialists do not participate in other stages of the work, and that their assessment is objective, and the look is fresh and impartial.

Testing can take a long time, but it is always justified: it is better to double-check each item and fix all important flaws than to get hundreds of negative reviews from real users after the release.


After careful testing, it’s time to publish the finished application and meet with the first users. For everything to go well, you need to study the rules of the Google Play Store and Apple App Store, send screenshots of the pages, a marketing promotion plan and a description of the project. If all goes well, your online store will appear on the platform in a couple of days.

Finalization and technical support of the project

The application resembles a living organism that is constantly changing, so you cannot do without corrections and stable technical support. You need to carefully study statistics, conduct analytics, study the path of users and reviews – this will help you find the most popular sections, the number of targeted user actions, problem areas of the sales funnel, etc. As the online store develops, refine popular categories and get rid of unnecessary functions.

What features to add to the application?

Before development, a technical assignment is formed, which includes the requirements and functionality of the future project. The online store has its own list of features that will make it useful and user-friendly.


  • Registration and creation of a profile.
  • Viewing and editing personal data.
  • Browse the catalog and search for products using a filter.
  • Transferring goods to the cart and placing an order.
  • Online payment for purchases


  • The ability to postpone a product, add it to a wishlist, or compare several options from different brands at once.
  • Chat with online user support.
  • Product reviews.
  • Recommendations based on interests and purchases made by the user.
  • Loyalty program with bonuses, discounts and gifts for purchases.
  • Administrative panel for managing content and promotions.
  • Marketing analytics tools.
  • Viewing and trying on products in augmented reality.
  • Notifications on the user’s smartphone screen.
  • Integration with social networks.
  • Paid features: subscription to a premium account with additional promotions, discounts and terms of order and delivery.

On Android or IOS?

Both platforms have their pros and cons, so choose based on your goals and audience. Android phones are used by 88% of people, but iPhone owners spend more money on apps. According to statistics, Apple store generates 80% more profit than Google Play.

There is also cross-platform development, when one base is created for two platforms at once. This allows you to reduce the time and cost of the final project, while maintaining the required level of quality. Cons: the application can sometimes crash due to the peculiarities of the platforms.

The AppCraft team will help you develop an online store for any platform and make it as convenient as possible for any target audience.

How long will it take and how much will it cost?

The average term for developing an application for an online store is 4-5 months. It will take 3-4 months to create an Android application from scratch or a small project, while a complex project will take about 6 months.

At AppCraft, we try to optimize each of the stages of work in order to bring the finished product as quickly as possible by testing the product on real users instead of the long implementation of numerous functions.

The cost of creating an application for an online store will depend on the terms of reference and the amount of work. Contact us to discuss the details and find out the exact price.