Buy Now Pay Later Mobile Application

The Challenge

Launch a new consumer brand for Buy Now Pay Later services—Mokka—and a mobile application with an upgraded value proposition and enhanced UX.

The Context

The company's existing mobile application was based on an outdated cross-platform technology, which made it hard to scale and add new features. The launch of the new application is timed to coincide with the roll out of the new Mokka brand and to provide users with a complete digital Buy Now Pay Later suite accessible in their mobile app.

Project Summary

We have built a native mobile application for Android and iOS platforms allowing users to Buy Now Pay Later at thousands of stores and to instantly receive an advance to their bank card, phone, virtual card, and much more. We focused on creating a strong design concept and usability of the mobile app, simplifying onboarding and delivering a wow customer experience.

Technology Stack

Android Kotlin LiveTex Chat Best2Pay Payments Firebase AppCenter Sentry Figma iOS Swift REST API

Key Features

Registration in 2 Clicks
Upon completing a simple onboarding form in the app, users access an instant revolving credit line, which they can immediately use to get an advance for shopping—online and offline at thousands of stores—and which they can pay later.
In addition to shopping, the mobile app also offers consumers a range of other ways to use their instant advance, including issuing a virtual credit card, transferring money to their bank account or telephone, sending money to family and friends, and paying utility bills. Mokka app is a one stop easy advance solution.
The Mokka Virtual Card
The Mokka Virtual Card is especially popular with consumers. Issued instantly in the mobile app, the card can be used for shopping anywhere via Google Pay or Apple Pay and paying for everything in easy monthly installments.
Shop Directory Search
Users can easily navigate through their favorite brands and find the best Buy Now Pay Later deals and shops near them. Search, filtering and sorting features help to make users' experience smooth, while an interactive map provides the closest location of stores where they can make purchases with their digital advance. Users can select their favorite stores to see the deals on the main page of the app and receive notices of special promotions.
In-App Customer Support
Customer support is at your fingertips with Mokka. The app contains easy to search FAQ and integrates the LiveTex chat platform to deliver instant customer support.
Payments Managing—easy as 1-2-3
Users receive push notifications to remind them of billing dates and can track their payments schedule, make payments or postpone them to a later date. To make a payment users can add bank card details in the app or set up regular autopayments. Best2Pay payments gateway is integrated into the app to deliver instant card payment processing.
Profile Customizing
Users can access history of all their advances and payments. In addition, they can customize their profile, change personal details, select favorite stores, and sign up for alerts and notifications.
Eugene Komarov, Solution Architect, Android Developer:
It was a challenging project to design a solution that would be multi-module and scalable. Given that the business was growing fast, our goal was to build a mobile application that would be user-friendly as well as easy to maintain and to add new features. We laid a solid foundation for the success of this project by focusing on the right approach to the architecture of the application upfront, which helped us to execute within timeline.

The Outcome

Both Android and iOS crash-free applications with an improved UX have been built in 6 months. A release-train has been configured to support a weekly distribution of new features.
Launch Year: 2020
We constantly conduct UX research and collect users feedback to improve the customer experience and the product proposition.
8 services
combined in a single application
500+ cities
where partner shops are located
70+ brands
available via application

Effective Team

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