Mobile development for financial services

Build and scale mobile products for banking, fintech and insurance.

We design, build and modernise native and cross-platform apps for regulated financial products - engineered around real-world integration, security and release constraints.

Explore our mobile capabilities
A smiling Speednet team member talking into a microphone at a laptop.

Mobile products built for regulated complexity.

  1. iOS
  2. Android
  3. KMP/CMP
  4. Integrations
  5. Security

11+ mobile banking apps delivered

  • Faster time-to-market on a regulated mobile banking platform4.5×

  • To launch a new mobile banking MVP3 months

  • Production apps across regulated financial environments11+

  • Customer growth in the launch year of a new mobile banking experience+20%

Key challenges

Where mobile delivery slows down - and how we keep it moving.

Mobile roadmaps rarely slip because of the app alone. The real bottlenecks sit in dependencies, platform decisions, security requirements and delivery capacity.

  • Platform fragmentation

    Maintaining separate iOS and Android codebases can slow feature parity, increase maintenance effort and make every change more expensive.

    Choose the right balance between native and shared code.

  • Backend and integration dependencies

    Mobile delivery is only as fast as the systems behind it. APIs, payment providers, third-party SDKs and legacy dependencies often become the real release bottleneck.

    Treat mobile and integrations as one delivery problem.

  • Security and release constraints

    Authentication, biometrics, secure storage, app-store policies and internal security review all affect how quickly a mobile feature reaches production.

    Build security into the release path from day one.

  • Capacity gaps in specialist mobile skills

    Senior iOS, Android and KMP engineers are difficult to hire and even harder to scale quickly when the roadmap accelerates.

    Add mobile expertise without slowing the team down.

  • Modernising without stopping the roadmap

    Replacing or migrating a mature mobile estate cannot mean freezing feature delivery for months. We help modernise incrementally while keeping releases moving.

    Modernise the app without pausing the product.

Illustration of a phone covered with currency symbols.

Mobile capabilities

How we help financial organisations move mobile forward.

  • New mobile products

    Take a new mobile product from concept to production. Product design, architecture, native or cross-platform development, backend integration, testing and release.

  • Mobile modernisation

    Modernise mature apps without freezing the roadmap. Refactoring, architecture evolution, legacy component replacement and incremental migration while existing releases continue.

  • Cross-platform & KMP/CMP

    Reduce duplication where shared delivery makes sense. Architecture assessment, KMP/CMP adoption, migration strategy and implementation across existing or new mobile products.

  • Mobile delivery teams

    Add expertise or complete delivery ownership. Individual mobile specialists or full squads covering iOS, Android, cross-platform, backend, integration and QA.

  • AI-assisted mobile delivery

    Accelerate development without losing control. Use governed AI to support implementation, testing, documentation and modernisation while keeping code access, project context and human approval under control.

Native or cross-platform?

Choose the mobile architecture that fits your product - not the trend.

We work across native iOS and Android, Flutter, React Native and Kotlin Multiplatform. Our strongest cross-platform expertise is in KMP and Compose Multiplatform, where shared business logic and selected UI components can reduce duplication without giving up native platform capabilities.

  • Native

    Best when platform-specific UX, device integrations, performance or security requirements dominate the product.

    Typical technologies: Swift · SwiftUI · Kotlin · Jetpack Compose

  • Flutter & React Native

    Good options when speed, shared UI and product consistency matter more than deep platform-specific integration.

    Typical use cases: Consumer apps · MVPs · Products with high UI parity

  • Kotlin Multiplatform & Compose Multiplatform

    Our cross-platform specialisation for financial and regulated products. Share business logic - and, where it makes sense, UI - while keeping access to native security, biometrics and platform APIs.

    Typical use cases: Banking · Fintech · Long-lived products · Complex domain logic

A Speednet team member working on a laptop at a desk.

Where we typically share with KMP/CMP

  • Domain logic
  • Networking
  • Validation
  • Caching
  • Sync
  • Shared services
  • Selected UI components

Where we keep native when needed

  • Biometrics
  • Wallet integrations
  • Device APIs
  • Performance-critical flows
  • Platform-specific UX

Let's talk mobile

Native, cross-platform or somewhere in between?

If you're planning a new mobile product, modernising an existing app or reconsidering your iOS and Android architecture, we can help you choose the approach that fits your product, team and long-term roadmap.

Talk to a mobile expert

Our process

From mobile strategy to production, without losing delivery momentum.

We adapt to where you are today: starting a new product, modernising an existing app or scaling a live mobile platform.

  • 1

    Understand the product and constraints

    We map the product goals, current architecture, backend dependencies, integrations, security requirements, release process and platform-specific constraints.

  • 2

    Choose the right mobile approach

    Native, KMP/CMP, Flutter, React Native or a hybrid model - we evaluate the trade-offs and define the architecture that fits the product and long-term roadmap.

  • 3

    Build inside your delivery environment

    Our mobile, backend and integration specialists work within your tools, governance and release process, taking ownership of the dependencies that affect mobile delivery.

  • 4

    Release and stabilise

    We support testing, security review, app-store release, production rollout and the first iterations after launch.

  • 5

    Scale, modernise or transfer

    We can continue as a long-term delivery team, scale capacity as the roadmap grows or transfer knowledge and ownership to your internal organisation.

Case studies

From mobile roadmap to production.

See how we've helped financial organisations launch, modernise and scale mobile products.

All case studies

It became clear from the early stages that they were a partner extremely committed to delivering high-quality software. Speednet was able to quickly grasp what we needed and come up with a well-thought-out solution.

Speednet team members smiling at a meeting table.Pekka LemettinenFormer CEO at POP Pankki

Mobile as a product channel

The mobile app is no longer just another digital channel.

For many financial products, mobile is where acquisition, daily engagement, payments, service and new revenue opportunities increasingly come together. That makes mobile architecture a product decision, not just a technology decision.

  • Daily engagement

    Mobile is often the most frequent interaction customers have with a financial brand.

  • New product surface

    Payments, lending, insurance services and value-added services increasingly meet inside the same experience.

  • Experience and architecture converge

    A great customer journey depends on what backend, integrations and security allow the app to do.

  • Long-term architecture matters

    The mobile choices made today determine how efficiently teams can evolve the product for years.

Two Speednet team members talking on a leather couch.

Featured insight

Research and practical thinking for mobile leaders.

Report cover: Neobanks vs. Legacy BanksReport cover: SuperApps in BankingReport cover: Value-Added Services

  • Neobanks vs. Legacy Banks: how traditional banks can compete with neobanks on mobile apps and UX.

    Download for free

  • SuperApps in Banking: the potential, risks and development paths of SuperApps in European banking.

    Download for free

  • Discover the secrets to maximising the success of your banking software with our free ebook on value-added services.

    Download for free

Mobile insights

Ideas for building, modernising and scaling mobile products.

Tech stack

Technologies we work with.

  • Native mobile

    Swift · SwiftUI · Kotlin · Jetpack Compose

  • Cross-platform

    KMP · CMP · Flutter · React Native

  • Mobile delivery

    Integrations · Security · CI/CD · App Store & Play Store

FAQ

Frequently asked questions about mobile development for financial services

  • Do you build both native and cross-platform mobile apps?

    Yes. We work with native iOS and Android as well as cross-platform technologies including Kotlin Multiplatform, Compose Multiplatform, Flutter and React Native. We help choose the approach that fits the product, architecture, team and long-term roadmap.

  • When should we choose native development over cross-platform?

    Native is usually the better fit when platform-specific UX, device capabilities, performance or deep OS integrations are central to the product. Cross-platform can reduce duplication and improve feature parity when a meaningful part of the product can be shared across iOS and Android.

  • What is your strongest cross-platform expertise?

    Our strongest cross-platform specialisation is Kotlin Multiplatform and Compose Multiplatform. We use them to share business logic and, where appropriate, UI components while retaining access to native platform capabilities.

  • Can you modernise an existing mobile app without rebuilding everything?

    Yes. We can modernise incrementally: refactor selected areas, introduce shared code, replace legacy components or evolve the architecture while keeping the existing product and release roadmap moving.

  • Can you handle backend and integration work as part of a mobile project?

    Yes. Mobile delivery often depends on APIs, backend services and third-party integrations, so we can provide backend and integration specialists alongside the mobile team rather than treating those dependencies as separate projects.

  • How do you approach security in financial mobile applications?

    We include authentication, biometrics, secure storage, data protection and relevant security requirements in the architecture and delivery process from the beginning. The exact controls depend on the product and the organisation's security environment.

  • Can you work with our existing mobile team?

    Yes. We can add individual iOS, Android or cross-platform specialists, provide a complete mobile squad or take ownership of a defined product or modernisation workstream within your existing delivery organisation.

  • Can you take a mobile product from discovery to production?

    Yes. We can support the full lifecycle: product and architecture decisions, UX, development, backend and integrations, testing, security review, app-store release and post-launch development.

  • Do you only build mobile banking apps?

    No. Banking is where we have some of our deepest mobile experience, but we also support fintech, insurance and other regulated or complex digital products where security, integration and reliable delivery matter.

  • Can you help us decide whether migrating an existing native app to KMP makes sense?

    Yes. We can assess your existing iOS and Android architecture, identify which layers are good candidates for shared code and estimate the migration effort and long-term trade-offs. A KMP migration does not have to mean rewriting the entire application - it can be introduced incrementally where it creates measurable value.

  • How do you use AI in mobile development?

    We use AI to support selected parts of the mobile delivery lifecycle, including implementation, refactoring, test generation, documentation and modernisation. In regulated environments, these workflows can be governed through Speedwave to keep access, context and approvals controlled and auditable.

Let's talk mobile

What's next on your mobile roadmap?

Tell us what you're building, modernising or trying to improve. We'll connect you with a Speednet mobile expert and help define the right way forward.

Michał Grela, a smiling man in a dark jacket

Michał GrelaHead of Growth

michal.grela@speednet.pl+48 600 023 843