YES BANK – Business Banking App By TechnoYuga
The YES BANK India, aimed to modernize its Business with Banking Mobile Application to better serve MSMEs, startups, and corporate customers. As the competition in fintech increased and more people went online with their digital activities, the bank required a high-performance, scalable, and secure mobile platform. They wanted to digitalize business transactions, lessen its reliance on branches, and provide smooth enterprise banking experiences.
Client’s Country -
India
Project Duration -
6 Months
Technologies Used
Native Android:
Kotlin / Java
Native iOS:
Swift
Java
Spring Boot ecosystem
REST APIs
Secure API Gateway
Docker
Containerization
Kubernetes
Orchestration
NPCI APIs
(for UPI, IMPS)
BBPS
for bill payments
Card network APIs
(Visa / Mastercard / RuPay)
Project Overview
YES BANK partnered with Technoyuga to transform its legacy business banking system into a modern, mobile-first digital platform. The aim was to allow businesses to do bulk payments, approvals, payroll, trade finance, and compliance transactions directly on their smartphones without compromising enterprise-level security and real time visibility.
Project Objective
- Digitize business banking operations
- Enable faster bulk transactions
- Improve user experience for multi-role teams
- Ensure RBI-compliant security standards
- Reduce branch visits through mobile-first services
- Build a scalable, future-ready banking ecosystem
Challenges
Milestone Plan
Discovery & Compliance Review
- Business requirements
- security framework planning
UI/UX Design
- User flows
- fintech UI
- prototype validation
Engineering
- Core banking APIs
- payment integrations
- dashboard development
Quality Assurance
- Security testing
- regression testing
Deployment
- User acceptance testing
- launch
Key Features
Role-Based Access Management
Maker-checker workflows with customizable permissions for secure, compliant financial operations.
Bulk Payments Engine
Fast payment of salaries, payment to vendors, CSV uploads and scheduled repetitive transactions.
Trade & Treasury Module
LC/BG tracking, forex visibility and real-time monitoring in order to manage business finance effectively.
Advanced Security Framework
Biometric log in, multi-faceted authentication, encryption, and binding devices and fraud detection to protect the maximum amount of data.
Real-Time Dashboards & Alerts
Live balances, transaction tracking, analytics and real-time notifications of total financial control.
GST & Compliance Tools
Integrated tax payments, reports, and automatic tagging to ensure compliance with regulations is easy.
Solution We Delivered
Business Banking Mobile App
Developed a cross-platform mobile app that would allow business users to make payments, manage their accounts, approve payments, and track finances at any time.
Role-Based Access & Approval Workflows
Implemented maker-checker authorization where there are multi-level approvals, which guarantee secure transactions and controlled access to various business roles.
Bulk Payments & Payroll Engine
Created a high-speed processing framework that served the purpose of salary payments, vendor payments, scheduled transfer, and bulk uploads with smooth execution.
Real-Time Dashboards & Reporting
Integrated live dashboards providing instant visibility into balances, transactions, cash flow, and analytics for faster decision-making.
Enterprise Security & Compliance Framework
Enabled biometric login, MFA, encryption, fraud monitoring, and RBI-compliant audit trails to safeguard sensitive financial data and operations.
Facilitated biometric authentication, multi-factor authentication, encryption, fraud detention, and audit trails that are compliant with RBI in order to protect confidential financial transactions and activities.
The Impact We Made
Faster Transactions
Processing times are greatly reduced, which allows paying faster and facilitating bulk operations.
Higher Digital Adoption
Businesses increasingly shifted to mobile banking, reducing dependency on physical branches.
Improved Efficiency
Manual work was reduced through automated workflow and this also streamlined all finance processes across teams.
Enhanced Security
Enterprise-grade protection minimized fraud and improved customer confidence
Scalable Banking Platform
Cloud-native architecture ensures reliability, performance, and readiness for future growth.
& much more value delivered...
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