SadaPay

Digital wallet with a debit card, bringing modern financial services to Pakistan

  • 90 000+

    5 star reviews

  • 2 mln+

    active users

  • #9

    in the App Store's top 100 financial apps

From idea to 2 million users in record time: The story behind a banking revolution

  • Challenge

    Our client, a branchless digital financial institution in Pakistan, wanted to launch a mobile banking app under the Electronic Money Institute (EMI) model. Without an in-house development team, they needed an experienced partner to build their Minimum Viable Product (MVP) while they scaled their internal engineering team.

    The project had to meet strict regulatory standards, provide seamless onboarding, and deliver a secure, user-friendly experience.

  • Solution

    We provided a dedicated team of Android, iOS and QA engineers to lead the development of the app. We focused on three core areas:

    • Seamless onboarding: We built an intuitive enrollment flow using CNIC and selfie verification, ensuring that users could enroll in less than two minutes while meeting compliance standards.
    • Full banking functionality: The app gave users complete control – money transfers, bill payments, debit card management, and mobile top-ups – all through a secure, easy-to-use interface.
    • Built to scale: Using modern Android architecture (MVVM, Hilt, Coroutines), multi-module development, and robust API integrations, we ensured the platform could grow with the client’s ambitious goals.

    By working closely with the client, we not only delivered the MVP, but also helped establish their internal development standards for long-term success.

  • Results

    The success of the application exceeded expectations:

    • 85% unit test coverage ensured code reliability and long-term maintainability.
    • Over 90,000 five-star reviews, reflecting an exceptional user experience.
    • Over 2 million active users, positioning the client as a leader in digital banking.
    • Ranked #9 in the top 100 financial apps on the App Store.
    • 500,000 users joined the waitlist before launch.

    Following a successful regulatory pilot, the client onboarded the first 1,000 users and quickly scaled to over 2 million, transforming how Pakistanis access modern financial services.

  • Download the app

    from the App Store

    from Google Play

Key features

  • Free money transfers

    Send money instantly to any bank or wallet in Pakistan - no fees, no delays.

  • Bill payments

    Pay bills from over 900 providers, including utilities, internet and mobile services, directly from the app.

  • Mobile top-up

    Instantly top-up any mobile network in Pakistan with just a few taps.

  • Easy sign-up from Pakistan

    CNIC, selfie, and a couple of clicks - takes less than 2 minutes!

  • International sign-up

    All you need is your international mobile number and NICOP or Pakistan origin card (POC) for a quick sign-up.

  • Fast, secure access

    Log in quickly and securely with Face ID or fingerprint authentication.

  • Debit card management

    Order, activate, and manage your Mastercard debit card right from the app.

  • Top security

    Your money and personal information are always protected with advanced encryption.

  • 24/7 in-app support

    Get help anytime through the app's live chat - no need to call or email.

How we did it

  • Android app development

    • Framework

      Android Jetpack

    • Language

      Kotlin

    • Architecture

      MVVM, Multi-Module

    • Dependency injection

      Hilt

    • Asynchronous programming

      Coroutines

    • Networking

      Retrofit

    • API communication

      Schema-based API generation

    We built the Android app natively using Android Jetpack components, ensuring smooth performance and long-term maintainability. The architecture followed the MVVM (Model-View-ViewModel) pattern, promoting clean code and easy testing. A multi-module structure further streamlined development, allowing independent feature updates without affecting the core app.

    To handle complex tasks efficiently, we used:

    • Hilt for dependency injection, simplifying code structure.
    • Coroutines for seamless background processing and better app responsiveness.
    • Retrofit for API communication, ensuring fast and reliable data exchange.

    We also implemented a smart API integration system. The backend team generated schema files defining data models, and we used them to automatically generate API requests within the app. This approach minimized errors, accelerated development, and ensured alignment between frontend and backend.

  • Quality assurance

    • Unit testing

      JUnit

    • Static code analysis

      SonarQube

    • Code coverage

      JaCoCo

    We have prioritized code quality and stability through a rigorous testing process:

    • Unit testing: JUnit was used to validate core functionality.
    • Static code analysis: SonarQube provided continuous code quality monitoring.
    • Test coverage: With JaCoCo, we achieved an impressive 85% test coverage, exceeding industry standards.

    This strong QA focus ensured that every feature worked as expected, helped us meet strict regulatory requirements, and maintained a flawless user experience.

Hear our clients’ feedback

The communication and flexibility has been great. Droids On Roids keeps us informed about team issues and potential risks. They've helped us evolve our engineering culture without forcing their way of doing things. The collaboration has been excellent and they address concerns quickly. I'd definitely recommend them to others.

Jon Sheppard

CTO, SadaPay

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