Micro-Investing and Savings Platform

A Smart Finance App for Automated Investing and Goal Tracking

This case study highlights how we've built a personal finance app development solution that allows users to invest small or large amounts regularly in a diversified portfolio.

Fintech
Industry
16 specialists
Team size
Canada
Location
Ongoing collaboration
Project duration

[ Business context ]

Our client, a fast-growing fintech company, approached Onix to build personalized finance management software that would make investing simple, automated, and accessible for everyone.

They already operated in several international markets and wanted to scale their product with a more robust, user-friendly, and secure solution tailored to local requirements.

They turned to Onix for investment software development services and guidance on how to create a finance app that would meet modern user expectations while supporting future growth.

[ Product scope ]

During financial services app development, the Onix team was responsible for:

Collecting requirements and aligning them with business goals

Enhancing backend architecture and ensuring data integrity

Adding new features to support evolving user needs

Redesigning the app for a modern, clean, and intuitive user experience

Implementing reliable technologies for scalability and security

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[ Solutions we provide ]

Our collaboration with the client focused on building a seamless, transparent, and flexible development process.

Using Agile practices, we worked iteratively, staying closely aligned with the client’s business goals and continuously refining the product. This approach allowed us to deliver a reliable, scalable, and user-friendly micro-investing and savings platform across iOS, Android, and web, demonstrating how to create an investing app successfully.

This project represents a comprehensive example of personal finance mobile app development services and finance mobile app solutions.

Modernized codebase

Backend &
security

Portfolio management

Rewards and cashback

Automated investing

Extended savings

Dividends management

Financial insights

Engagement features

Continuous redesign & UX improvements

Upgrading legacy apps for scalability and performance.

We re-engineered legacy applications using modern technologies. The web app was rebuilt in React.js, iOS in Swift, and Android in Kotlin, while backend improvements ensured scalability, reliability, and smooth integrations, reflecting best practices in web app development for financial services.

Reliable, scalable, and secure infrastructure.

Our team strengthened the backend architecture with a robust Ruby-based API, built for scalability and speed. Updated verification flows and enhanced security measures were implemented to protect user data and ensure compliance, showcasing advanced investment management software development.

Smart tools for diversified investing.

We developed a flexible investment engine that allows users to automate portfolio rebalancing, manage diversified investments, and even create customized portfolios, demonstrating expertise in how to develop an investment app.

Seamless everyday savings ecosystem.

The cashback feature was expanded into a full rewards ecosystem. Users can link payment cards, earn rewards online and offline, and track cashback history, illustrating modern financial app development best practices.

Turn spare change into investments.

Spare change from purchases is automatically invested through round-ups, while recurring contributions allow users to set daily, weekly, or monthly investments. Savings goals help users monitor progress toward financial milestones, showing how to create an investment app with automated features.

Smart savings for every stage of life.

Parents can create kids’ accounts within their profile, teaching financial literacy and saving for future needs until the child takes ownership in adulthood. A superannuation program helps users plan retirement with dedicated contributions, while jars act as digital pockets for organizing money into categories.

Automated dividends for smarter growth.

Earnings from ETFs are automatically reinvested into users’ accounts to accelerate portfolio growth, and dividends can be withdrawn if preferred.

Actionable insights for better money management.

The My Finance feature provides spending analytics, helping users better understand and control their financial habits.

Encouraging healthy financial habits.

We introduced Achievements, a gamified element that rewards users for progress and encourages consistent financial behavior.

Streamlined UX for intuitive experiences.

Our design team conducted multiple redesign cycles to simplify user flows and create a cleaner, more intuitive experience. This included updating dashboards, enhancing navigation, and ensuring consistency across mobile and web platforms.

Core technology stack we used

React.js,

Swift,

Kotlin,

Ruby,

iOS SDK,

Android SDK,

Docker,

Golang,

Toggles,

SwiftLint,

Fastlane,

Jenkins,

Firebase App Distribution,

App Store Connect,

Firebase Analytics,

Adjust,

RestKit,

Alamofire

[ Results ]

The partnership resulted in a robust, high-performing micro-investing and savings platform users find intuitive and reliable across web, iOS, and Android.

Users can now better plan for future needs and report greater confidence in tracking and growing their finances.

The platform’s seamless performance, enhanced security, and personalized experience have helped clients strengthen their market presence, attract new users, and maintain high satisfaction rates across a growing audience.

As a result of Onix’s collaboration, the client now operates a well-performing web and mobile micro-investing platform, providing users a “set it and forget it” approach to continuous investing, demonstrating how to build a finance app that delivers real value.

This success story showcases the power of modern
engineering
and strategic collaboration.