Client Overview
Our client is a well-known fintech company in the U.S. that built one of the most widely adopted mobile payment systems. Through a simple QR/barcode-based payment app, the company enabled millions of consumers to pay merchants digitally.
During the pandemic, when cash transactions declined sharply, the app became a household name across India, where QR-based payments became the default. With widespread adoption, the company rapidly expanded services—adding travel ticketing, insurance, stock trading, SIPs, and even digital gold purchases. Backed by leading global investors, including a major Chinese bank, the company positioned itself as a full-fledged fintech super-app.
The Challenge
As the platform matured, the client wanted to add new features—digital gold trading, stock investments, and PWA-based mini-app payments into its existing ecosystem. The challenge, however, was integrating these complex modules into a live, high-traffic application without disrupting existing services.
Key challenges included:
- Service Continuity: Adding major modules without causing downtime or disrupting payments.
- Custom Environment: The client had its own unique development environment, which differed from standard iOS practices.
- Strict Standards: Meeting rigorous internal code quality benchmarks and review processes.
- Multiple Tech Stacks: Base code was in Objective-C, while mini-apps were in Swift, SwiftUI, and RxSwift requiring seamless interoperability.
- Mini-App Architecture: Each service was a self-contained mini-app; integrating them without breaking core functionality was complex.
- Deep Links & Bridges: Enabling reliable communication between native iOS modules and web-based PWAs required precision engineering.
The client needed a partner who could adapt quickly, work within their environment, and deliver flawlessly under tight deadlines.
Approach
To meet these challenges, we deployed a senior mobile app developer through our staff augmentation model, who worked closely with the client’s in-house team for 12 months. Our structured approach included:
- Environment Familiarization: Quickly learned the client’s proprietary development environment and workflows before implementation.
- Code Refactoring: Modularized and cleaned legacy code for maintainability and backward compatibility.
- Cross-Tech Adaptation: Applied Objective-C, Swift, and RxSwift expertise to ensure consistency across modules.
- Incremental Development: Broke large tasks into smaller, testable deliverables to prevent regression.
- Collaboration: Worked in close coordination with backend and PWA teams to ensure seamless deep linking and payment flows.
Project Description & Key Deliverables
Platform Features Delivered
- Digital gold trading (buy/sell) module.
- Peer-to-peer and consumer-to-merchant payment upgrades.
- PWA mini-app payment integration.
Technologies Used
- Objective-C, Swift, SwiftUI, RxSwift.
Service Type
- Staff Augmentation: One senior mobile app developer embedded with client’s team for ~12 months.
Major Deliverables
- Gold Module: Deep link and bridge handling for smooth navigation and data transfer.
- Stocks Module: Refactored codebase, deep links, and bridge integrations.
- PMoney Lite: Integrated PWA mini-app payments and redesigned bank account entry flow.
- P-Mandate: Built form view and document download features for nominee modifications.
- Architecture Design: Contributed to scalable, multi-tenant architecture.
- Escalation Handling: Conducted post-mortems, fixed root causes, and implemented preventive measures.
Results & Client Satisfaction
The project delivered significant improvements for the client:
- Performance & Reliability: Reduced latency and improved uptime, even under heavy loads.
- Feature Expansion: Successfully launched gold, stock trading, and PWA payments without disrupting live services.
- Productivity Gains: Improved developer workflows and reduced post-release issues with modularized code.
- Client Trust: Transparent delivery and ability to resolve escalations promptly enhanced the client’s trust.
This engagement changed the client’s perception of us. We were no longer seen as just another contractor but as a trusted long-term partner for scaling their trading and payment ecosystem.
Our ability to deliver high-quality work in a challenging environment laid the foundation for ongoing collaboration, with the client choosing us as their permanent technology agency for future fintech innovations.
Conclusion
Through careful planning, robust engineering, and dedicated collaboration, we helped one of the world’s leading fintech companies expand its super-app with mission-critical services without disruption.
The success of this project not only enhanced the app’s capabilities but also cemented our role as a reliable lighthouse partner guiding fintech innovators through complex digital transformations.
