Wibmo
Accelerating Mobile Wallet Development: Wow Labz’s Payments App Framework for Wibmo
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
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.
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.
- 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.
- Standardized API requests, authentication, and response parsing, reducing integration complexity.
- Ensured secure data handling across all banking services.
- 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.
- Provided a unified object management layer, eliminating the need for separate getters/setters for different data structures.
- Simplified response handling for multiple banking APIs.
- 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.
