Build a Mobile Banking Concept App
Design a modern, secure mobile banking experience with simulated balance dashboards, account linking, money transfer flows, and budgeting features for a full-stack fintech app development project.The future of banking is digital, and this app concept helps simulate how neobanks and finance apps function. You’ll learn about secure authentication, transaction flow modeling, UI/UX for financial dashboards, and app-based account management—all essential skills in fintech app development.
Let users simulate bank account dashboards with mock balances, recent transactions, fund transfers, bill payments, and virtual savings jars. Provide simple budgeting graphs and daily spend insights.
Account Overview Dashboard
Display simulated balance, income vs. expenses, and transaction history in an elegant UI.
Fund Transfers & Bill Payments
Allow users to simulate sending money to contacts and scheduling recurring bill payments.
Transaction Logs & Categorization
Log deposits and expenses with categories like Food, Travel, and Subscriptions using icons and filters.
Savings Goals & Virtual Vaults
Create digital savings jars where users can allocate money for specific goals like vacation or rent.
After onboarding, users can create a demo bank account, simulate fund transfers between contacts or accounts, and categorize spending. The app visualizes transactions using clean financial charts and helps build saving habits via goal-oriented jars.
- User creates a mock profile and adds a demo account with an initial balance.
- Money can be “transferred” between users using contact names or wallet IDs.
- Transactions are logged and displayed in filterable statements.
- Savings jars simulate auto-deductions for goals (e.g., Emergency Fund or Travel).
- Daily/weekly budgeting suggestions appear based on spending trends.
Frontend
React Native or Flutter with UI libraries like NativeBase or TailwindCSS-RN for modern, sleek dashboard layouts.
Backend
Node.js + Express with mock transaction simulation, API endpoints, and session-based user logic.
Database
PostgreSQL or Firebase Realtime DB to store user accounts, simulated transactions, vaults, and transfers.
Other Tools
Chart.js or Victory Native for analytics, Firebase Auth for login, Twilio or EmailJS for OTP simulation.
1. Design Onboarding & Account Dashboard
Build mock user profile creation, balance summary cards, and navigation structure for main dashboard.
2. Simulate Transactions & Transfer Flows
Allow users to simulate fund transfers with recipient validation, fee display, and confirmation prompts.
3. Build Categorized Statements
Design filterable transaction history views with category tags and optional export buttons.
4. Add Savings Vaults & Automation Rules
Enable users to create named savings jars and move funds automatically per goal or date.
5. Integrate Budgeting Suggestions & Charts
Use visual graphs to recommend limits based on average spending or recurring outflows.
Simulate the Future of Banking with Code
Create a full-featured mobile banking concept app that mirrors real-world fintech flows—ideal for mastering secure and practical app development.
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