PROJECT SHOWCASE

Wibmo

Accelerating Mobile Wallet Development: Wow Labz’s Payments App Framework for Wibmo

wibmo logo

Client: Wibmo (A PayU Company)
Industry: Fintech, Payments, Banking
Service Provided: Mobile Wallet Development Framework

Key Outcomes:

  • 85% reduction in development time
  • Faster go-to-market for banks
Overview

Wibmo, a leading mobile payments platform, powers digital banking and wallet solutions for major banks, including HDFC, IDBI, and Bank of Baroda. As the demand for secure and user-friendly mobile wallets surged, Wibmo needed a scalable framework to help banks launch branded payment apps efficiently.

Wow Labz partnered with Wibmo to build a Payments App Framework, enabling rapid deployment of customized mobile wallets with minimal development effort. The framework reduced design and development time by 85%, making it possible for banks to launch iOS-based wallets in weeks instead of months.

The first successful deployments included HDFC’s PayZapp and Bank of Baroda’s MClip, which were built using the framework’s automated app generation capabilities.

wibmo 2

Challenges

  • Time-Intensive Development: Each bank required a custom-branded mobile wallet, which traditionally took 12 weeks per app for a two-developer team.

  • Scalability & Reusability: A new framework was needed to allow multiple banks to launch their wallets with minimal effort, while maintaining security and compliance.

  • Customization without Complexity: The framework had to support unique branding, UI components, and workflows for each bank, without requiring extensive coding changes.

  • Seamless API Integration: The platform had to integrate with banking APIs, authentication protocols, and payment gateways, ensuring a seamless transaction experience.
Our Solution
Wow Labz developed a modular and configurable Payments App Framework that allowed Wibmo to auto-generate iOS mobile wallets for partner banks. The framework streamlined UI design, API handling, and security integration, enabling fast deployment with minimal coding effort.
Key Features
Config-Driven UI Customization
  • The framework used a simple plist file to define each bank’s branding (colors, fonts, assets) and configurations.
  • Allowed rapid UI adjustments without modifying the core codebase.
Generic API Handler
  • Standardized API requests, authentication, and response parsing, reducing integration complexity.
  • Ensured secure data handling across all banking services.
Automated UI Component Builder
  • Dynamically generated key screens, including Splash, Dashboard, and Transfer screens.
  • Applied pre-set styles based on the bank’s theme, ensuring a consistent user experience.
Object Handler for Seamless Data Processing
  • Provided a unified object management layer, eliminating the need for separate getters/setters for different data structures.
  • Simplified response handling for multiple banking APIs.
Impact & Learnings
  • 85% Faster Development: What previously took 12 weeks for a team of two now required under 2 weeks for a single developer.
    Rapid App Deployment: HDFC’s PayZapp and Bank of Baroda’s MClip were built in record time, accelerating go-to-market.

  • Simplified Maintenance: The unified framework reduced long-term maintenance costs, allowing Wibmo to support multiple banks efficiently.

  • Scalable for Future Banks: The modular system ensured easy adoption by new banking partners, allowing for continued expansion.

  • Secure & Compliant: Integrated two-factor authentication (2FA) and banking-grade security protocols, ensuring a safe payment experience.

Conclusion

By building a scalable, configurable Payments App Framework, Wow Labz helped Wibmo transform mobile wallet development for banks. The framework’s automation-first approach enabled seamless customization, rapid deployment, and effortless maintenance, setting a new benchmark for fintech innovation.

With this solution, Wibmo empowered its banking partners to launch mobile wallets faster, improve digital payment adoption, and enhance user experience—without extensive development overhead.

Why Wow Labz?
Wibmo needed a scalable and efficient mobile framework to rapidly deploy mobile wallets for leading banks. Wow Labz’s expertise in mobile architecture and fintech solutions enabled us to develop a framework that reduced development time by 85%, streamlining deployment for HDFC, IDBI, and Bank of Baroda. Our ability to build customized, high-performance financial applications made us the ideal partner for this initiative.
About Wow Labz
Wow Labz specializes in cutting-edge fintech solutions, helping businesses scale through intelligent automation, mobile-first platforms, and secure financial applications. Our experience in banking and payments technology ensures that we build robust, compliant, and future-ready financial products that power the next generation of digital transactions. Get in Touch >
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