Mobexo · Mobile app
A mobile wallet for payments, loyalty and merchants
A complete mobile payment system for iOS, Android and the web: direct, remote and online payments, loyalty programmes and merchant CRM tools.
01 · Client
Mobexo, online payment.
Mobexo operates in Hong Kong and Vietnam, with about 50 merchants in Hong Kong and 70 in Vietnam. The app passed 2,600 downloads after going live in mid-2013, and the start-up has raised USD 1.8M.
02 · Project
Pre-payment, payment and post-payment services in one app.
Our team developed the entire Mobexo system: direct, remote and online payment, promotion campaigns with discount coupons, loyalty programmes and customer rewards, advertising and merchant identity broadcast, and CRM tools for merchants.
The free e-wallet on iOS, Android and Windows Phone lets two parties transfer funds without additional devices. Users pay online or in shops, restaurants and bars, earn points on their favourite merchants’ loyalty cards and redeem deals.
Unlike cards or cash, merchants accept funds without customers sharing personal banking information.
03 · The challenge
A payment product, not just an app.
Mobexo set out to let two parties transfer funds with nothing more than a phone, and to give merchants promotions, loyalty programmes and CRM tools on top. That meant mobile apps on iOS, Android and Windows Phone, a web platform for merchants, and payment flows where mistakes cost real money.
The product also had to serve two markets at once, Hong Kong and Vietnam, and keep evolving after launch as merchants and users came on board.
04 · How we solved it
A 31-person team organised around the product, for 32 months.
01
Architecture first
Two technical architects designed the platform so that direct, remote and online payment, loyalty and merchant tools could share one secure core.
02
Business analysis at scale
Four business analysts documented pre-payment, payment and post-payment flows for consumers and merchants, so mobile and web teams built from the same specification.
03
Parallel mobile and web delivery
Four mobile developers covered the three mobile platforms while twelve web developers built the merchant and online payment side, coordinated by three project managers.
04
Testing proportionate to the risk
Four testers verified payment, coupon and loyalty scenarios release after release, because an e-wallet cannot ship with a broken transaction.
05 · Outcome
Live in mid-2013, used by merchants in two markets.
The app passed 2,600 downloads after going live and is accepted by about 50 merchants in Hong Kong and 70 in Vietnam. Merchants receive funds without customers sharing banking details, and the start-up has raised USD 1.8M.
32
Months of development
120
Merchants in HK & Vietnam
USD 1.8M
Raised by the start-up
Why this matters for your project
What this project means for you.
A team that grows with the product
We staffed this project with more than thirty people over nearly three years. A dedicated team can scale up or down as your roadmap changes.
Experience where money moves
Payments, loyalty and merchant tools demand architecture and testing discipline. We have built them end to end.
A long-term partner, not a one-off vendor
Multi-year engagements are normal for us. Your product keeps the same team and the same knowledge.
Inside the project
Mobile wallet and merchant web portal.
Have a project idea?
Tell us what you need. We’ll propose the right approach, team and budget.