Secure Banking App for Regional Credit Union

When a regional credit union approached us to modernize their banking experience, they had a legacy system that was difficult to maintain and didn't meet modern user expectations. Their members needed a secure, intuitive mobile banking solution comparable to the best-in-class apps.

The Challenge

Key challenges included:

• Legacy Integration: Integrate with existing core banking systems without disruption
• Security & Compliance: Meet PCI DSS and banking security requirements
• Accessible UX: Design for a wide range of ages and abilities
• Real-time Updates: Provide instant balances and transaction confirmations

Our Solution

We built a cross-platform mobile app using React Native with a security-first architecture:

• Biometric Authentication: Native Face/Touch ID for secure login
• Encrypted Transport: TLS 1.2+ for all traffic and data minimization
• Proactive Alerts: Real-time transaction and security notifications
• Defense in Depth: MFA, device attestation, and fraud monitoring

Technical Implementation

The backend used Node.js and PostgreSQL with a microservices approach:

• Event-driven services for scale and resilience
• Redis caching for session and rate limits
• AWS managed services for observability and security
• PCI-compliant payment gateway integration for card operations

Impact

The credit union saw higher mobile engagement, strong reliability, and positive user feedback while maintaining strict security.