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WingIt Payments App

WingIt Payments

Global Money Transfer via Open Banking

RoleLead Architect
Timeline2024-2025
IndustryFintech / Payments
TypeB2C Payment Platform
TypeScriptVue.jsNestJSGCP

WingIt Payments is a customer payments solution that enables sending money worldwide through a network of national partners. The unique selling proposition of WingIt is its capacity to use Open Banking to make deposits safe, fast, and compliant, then proceed with transfers as easily as with a simple mobile number.

As the Lead Architect and solo developer, I was responsible for the entire technical implementation, from infrastructure design to user interface development.

Challenges Solved

  • Cross-Cultural UX Design: Created a simple UI that allows customers of all ages and cultural contexts to send money with their local bank as a source of funds. The interface needed to be intuitive regardless of technical literacy or cultural background.
  • Open Banking Integration: Integrated with multiple Open Banking APIs across different countries, each with their own standards, authentication flows, and compliance requirements.
  • Secure Money Transfer Flows: Designed and implemented secure, compliant money transfer workflows that meet regulatory requirements across multiple jurisdictions.
  • Solo Full-Stack Development: As the sole developer, I had to balance speed of delivery with code quality, maintainability, and scalability.

Technical Approach

The application is built with a Vue.js frontend for its reactive capabilities and gentle learning curve, paired with a NestJS backend for its robust architecture and TypeScript support throughout the stack.

Leveraging Google Cloud Platform provided the scalability and security needed for financial transactions, with Cloud Functions handling Open Banking webhooks and Cloud Run managing the main application services.

The UX design process involved extensive user testing with diverse demographics to ensure the interface was truly accessible to everyone, regardless of age or technical background.

Outcomes

  • 40% Reduction in Abandoned Wallets: Decreased the number of never-deposited wallets by 40% in one year through improved UX and Open Banking integration.
  • Seamless Open Banking: Successfully integrated with multiple national banking systems, providing users with a secure and familiar deposit experience.
  • Intuitive User Experience: Created an interface that works across cultures and age groups, reducing support tickets and increasing user satisfaction.
  • Fast Time to Market: Delivered a production-ready solution as a solo developer, demonstrating efficient architecture and development practices.