VaultEdge (US) - Digital Banking Application
Overview
VaultEdge was a bold undertaking, a full-fledged digital banking app designed to serve individual & small business users. My client’s vision was to create a modern, mobile-first banking experience that could rival traditional banks in functionality, but with the agility & user-centricity of a fintech startup.
From the first sprint, it was clear this project would demand rigour, precision, & relentless attention to security. We weren’t just building features, we were building trust. I led the team using Scrum, structuring our roadmap around core banking flows: onboarding, KYC, account management, transfers, & transaction history. Each sprint delivered a functional slice of the banking experience, validated through continuous feedback loops.
Technologies
Given the sensitivity & complexity of financial data, we built VaultEdge on a secure, scalable, & compliant tech stack:
Mobile: Kotlin (Android), Swift (iOS)
Backend: Java (Spring Boot) for enterprise-grade performance
Database: PostgreSQL with encrypted fields, Redis for caching
Authentication: OAuth2, biometric login, 2FA
APIs: Open Banking API standards, Plaid integration
Cloud Infrastructure: AWS (ECS, RDS, Cognito), Docker, Terraform
Monitoring & Security: Datadog, Snyk, AWS GuardDuty
Team
I led a multidisciplinary team of ten:
- 2 Mobile Developers
- 2 Backend Engineers
- 1 DevOps Engineer
- 1 QA Automation Specialist
- 1 UI/UX Designer
- 1 Compliance Advisor
- 1 Customer Experience Analyst
- Product Owner (Myself)
Challenges
User onboarding: One of the biggest challenges was onboarding. We needed to verify user identities quickly while complying with KYC/AML regulations. I worked with the team to integrate a third-party identity verification service & designed a frictionless onboarding flow that reduced drop-off by 30%.
Speedy transactions: Another challenge was transaction speed & reliability. Users expected instant transfers & real-time balance updates. We implemented event-driven architecture & optimised our database queries to ensure sub-second response times.
Uniqueness
In retrospect, VaultEdge was a reimagined financial experience:
- Smart budgeting tools with AI-driven spending insights
- Instant virtual card issuance & management
- In-app support chat with secure document upload
- Business account features like invoicing & multi-user access
Conclusion
It required six sprints before we launched VaultEdge to a closed beta of 1,000 users. Within the first 60 days, we saw a 92% retention rate & processed over $2M in transactions with zero critical incidents.
By combining agile delivery with uncompromising security & user empathy, we built more than a banking app, we built a financial companion people could rely on.
Project name : VaultEdge
Role : Product Owner
Industry : Fintech / Banking solution
Methodology : scrum
