E-commerce Platform
FinTech Mobile App2024 · 7 min read · 5 months project
FinTrack: Building a Personal Finance App with Bank-Level Security for 50K+ Users
From wireframe to app store — how KodingDev engineered a cross-platform personal finance app with encrypted bank sync, smart spending insights, and biometric authentication.
Client
FinTrack
Industry
Financial Technology
Duration
5 months
Year
2024
50K+
Active Users
12
Banks Integrated
400K+
Transactions Synced/Day
4.8★
App Store Rating
The Challenge
FinTrack wanted a consumer app that could connect to multiple Indonesian banks, categorize transactions automatically, and surface actionable insights — without ever storing raw credentials or violating OJK data privacy regulations.
Our Solution
We built OAuth-based bank connectors with a zero-knowledge credential architecture: credentials never touch our servers. Transaction data is encrypted at rest with AES-256 per user key. An ML classifier auto-categorizes 92% of transactions correctly on first sync.
// deep dive
Building Trust in FinTech: The Security Architecture
Zero-knowledge credential handling was non-negotiable. Bank OAuth tokens are encrypted client-side before transmission. Our backend only ever sees encrypted blobs — we literally cannot read your bank credentials even if we wanted to.
ML Transaction Categorization
Indonesian bank transaction descriptions are notoriously messy (merchant names truncated, inconsistent formatting). We trained a BERT-based classifier on 2 million Indonesian transaction descriptions to achieve 92% auto-categorization accuracy.
// outcome
The Result
FinTrack hit 50,000 active users within 4 months of launch with a 4.8-star average across Google Play and the App Store. OJK compliance passed first review with zero findings.
React NativeNode.jsPostgreSQLAES-256Biometric Auth
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