HoneyBee

A personal finance app offering a quick way to get an advance on your next paycheck

Enabling financial flexibility for employees

  • Challenge

    Our goal was to create a convenient and easy-to-use fintech app that offers pay advances and emergency loans. The app was designed to give employees, regardless of credit history, access to an extra week’s pay at any time, allowing them to manage unplanned expenses and build credit.

    The challenge was to ensure that the app efficiently and seamlessly delivered these financial services to support users in need.

  • Solution

    We built the app offering two key financial health products – Extra Week’s Pay, and Early Pay. The programs allow employees to avoid the loans trap. What’s more, the user can securely link their bank account to the app.

  • Results

    The application was successfully released, with users confirming that it was well designed and free of bugs. The client has observed that 35% of users prefer the mobile application to the web application, making it easier for the company to sell services.

    This success is largely due to our 6-step quality assurance process and use of the Hyperion mobile QA multitool, which helped us deliver a crash-free app with clean, maintainable code and a consistent UI.

  • Download the app

Key features

  • Sign up and sign in

    Users can sign in with their email and password, phone number and password, or with their individual passcode.

  • Early Pay

    With this program, users can advance their pay and repay with their next paycheck. Choose the amount and decide how quickly you need the funds by selecting Express or Standard Funding.

  • Linking user’s bank account

    The app uses Plaid to connect user’s bank. It’s secure – the transfer of the information is encrypted end-to-end. It’s private – user’s credentials will never be made accessible to HoneyBee app.

  • Status – waiting for employment verification

    After applying for an Early Pay program, users are informed that their application will be reviewed by their employer.

  • Notification on status change

    Users are notified when their application status changes.

  • Extra Week’s Pay

    The program helps users with unplanned expenses by offering loan amounts up to $2,500, depending on their employment status and history. User repays the loan according to their payroll schedule.

  • Final review

    Users see a review of the information they have submitted – bank account, loan details, and repayment date.

  • Extra Week's Pay status

    Users can check all the information about their loan: status, amount, date of next payment, or repayment schedule.

  • Bee Financial Coach

    Users can schedule free sessions with a "Bee Financial Coach" and benefit from one-on-one confidential counseling about student loans, credit, budgeting, and more.

How we did it

  • Android app

    • Language

      Kotlin

    • Architecture

      MVVM

    • Asynchronous programming

      Kotlin Coroutines

    • Unit tests

      AssertK, Mockito

    • Analytics

      Firebase

    • Push Notifications

      Firebase

    • Performance monitoring

      Firebase

    • Bank account linking

      Plaid

    • Continuous Integration

      Bitrise

    • Crash reporting

      Crashlytics

    • Integration with a third-party platform – Plaid which enables users to link with their bank account in an easy and secure way.
    • Integration with Firebase – Performance Monitoring SDK. It helps us to understand where and when the performance of HoneyBee can be improved.
    • According to our client’s guidelines, the app supports different screen sizes and a wide range of smartphones (not only topnotch ones).
    • Security – user can log in with their unique passcode.
    • We chose MVVM which is an architectural pattern recommended by Google. It helped us to keep the UI code simple and free of app logic. The code is robust, high-quality and easy to manage.
    • HoneyBee app’s flow is quite complex. Caring for the smooth performance and fluid experience from the user’s perspective, we used Kotlin Coroutines for concurrency and asynchronous programming.
  • Design

    • Wireframes & design

      Sketch

    • Clickable prototype

      InVision

    • Collaboration

      Zeplin

    • The design of the app is consistent with the guidelines of our client, however, it is slightly different from the original assumptions. We went a step beyond the scope and questioned some of the requirements. We suggested ways we can design the app better – e.g. we recommended using a different font. Our client accepted that and they are thrilled with the results.
    • HoneyBee app contains many forms, so it was crucial to make filling them out friendly, smooth and convenient to users. That’s why we decided to optimize the amount of space on screens using only necessary fields and grouping the data into steps.
    • The bees illustrations were delivered by our client.

How it works

Top Fintech App Development Company

Success in our clients’ words

We were thrilled with the results! They were great at estimating the workload and forecasting the hours and cost involved. I especially appreciated how they went beyond the scope, challenging some of our processes and suggesting improvements. What's more, their process is exceptionally well-thought-out.

Max Zschoch Fintech App for Payday Loans

Max Zschoch

Co-Founder & CPO, HoneyBee

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