Personal finance app & online payment solutions

Finch is Australia’s easiest way to pay and request money, split bills, create groups to share expenses, and track your social spending and budget.

Features

• Paying friends instantly and getting FREE of charge for anyone without BSBs.
• Splitting bills easily and providing payment reminders and notifications automatically.
• Creating a group and sharing group expenses.
• Showing how frequently users have visited their favorite shops and how much they have spent in the last 30 days based on their bank feed.
• Using biometric ID and bank-level security to keep the user’s account protected 24/7.
• Implement FinchPay so 3rd merchants can use Finch as their payment method.

Challenges

• Always improving the UI for the best user experience. Especially, iOS and Android versions are required to be 99% similar. That was a very interesting challenge our UI/UX and development team had been challenged with.
• Cooperating with local banks to have the ability to get the user’s bank feed.
• Presenting almost full transaction details for the user.
• Risk management for the suspected transaction or fraud cards.

Solutions

• Custom widgets and animations for iOS and Android consistency. That persuades HDWEBSOFT’s best effort and top skillset of iOS Native App Development and Android Native App Development in order to meet the client’s very high standard.
• Building a user multi-level verification system.
• Applying machine learning to get more information on the user’s bank transaction detail.

Business outcomes

• Winner, Best Personal Finance App 2018.
• Winner, Best Digital Wallet Fintech Australia 2018.
• Winner, Fintech Rising Star 2018.
• App of the Month in Money Magazine.