Mobile App Development for International Bill Payment Co
- Mobile App Development
- $50,000 to $199,999
- Jan. 2022 - Ongoing
- Willing to Refer
“They’re very reasonable with their time and budget.”
- Financial services
- Miami, Florida
- 1-10 Employees
- Phone Interview
Mas Uno has built a mobile app for an international bill payment company. They’ve used Python, Flutter, and GitHub, integrated Stripe and Unit21, and done several API integrations with international partners.
Mas Uno has executed a complex project well, creating an innovative app that has helped the client get investment. The team is knowledgeable, trustworthy, and timely, considering the project's complexity. Their ability to work internationally, combined with their analytical skills, stands out.
A Clutch analyst personally interviewed this client over the phone. Below is an edited transcript.
Introduce your business and what you do there.
I’m the CEO and founder of an international bill payment company that permits people in the US to pay for bills outside the US.
OPPORTUNITY / CHALLENGE
What challenge were you trying to address with Mas Uno?
We hired them to develop our app and make connections between our customers and our service providers outside of the country. The project entailed creating a platform, a UI, a backend, and a CMS — full stack development from top to bottom.
I had initially hired another offshore company that had won awards. We worked together for about a year, and they couldn’t get the app off the ground. From there, we salvaged about 10% of the project and hired Mas Uno to take over.
What was the scope of their involvement?
I supplied Mas Uno with APIs, and they analyzed them and created a schedule with a system. I had developed a roadmap with a third party, and Mas Uno took that and reworked it to create a more streamlined project manual. The team worked with me to develop the MVP features we needed to get the app off the ground, using the work we'd salvaged from our previous provider.
The development was complex due to the third-party providers we were working with. Mas Uno upgraded our environment for the APIs using Flutter. They hosted the app for a while, and they've since moved it to AWS.
Although we launched the app two months ago, before large-scale marketing, I asked the team to change two features that weren't in the original scope. We'll launch those features soon, and app store optimization (ASO), Google Analytics, and marketing are included in Mas Uno's scope of work. The team will also offer maintenance, which will be a necessity due to the complexity of the app.
The app has an onboarding process and follows Know Your Customer standards, so the user has to be connected to a compliance platform. For this feature, Mas Uno has integrated Unit21. Once the customer gets a green flag, they receive an SMS code to input into the app, confirming their identity and phone number. From there, the customer can use the app.
The core functionalities include searching for bills outside of the US. For example, users can search for an electricity company in Peru and input their account number. The app pulls that account number's debt from the database through API integrations. Then, the app turns the currency from Peruvian soles into USD using integration with foreign currency conversion APIs.
From there, users can input their credit card information through our integration with Stripe, pay that bill, and check out. The bill is paid instantly as soon as the Stripe confirmation comes back, and the customer receives a receipt via email, or they can download the receipt from the app. Users can also view their history, save favorite payments, and make payments in a shopping cart-style feature.
The Mas Uno team has used GitHub to store the API information and GitHub AI to write the code. They've also used Python. Currently, they're developing the automated clearing house (ACH) transactions through Stripe, finalizing a searching by categories function, working on a UI redevelopment, and installing the marketing tag managers so that we can begin to do analytics. Moving forward, they'll work as our third-party CTO.
What is the team composition?
I work directly with Roger (Project Manager), Max (Digital Strategy Consultant & CMO), and Cristobal (COO). Sometimes, I also work with Luis (CTO). Roger is my main point of contact.
How did you come to work with Mas Uno?
They were on our radar because we had worked with them before on a project unrelated to financial technology. Mas Uno developed a platform for users to plug and play their television networks as online streaming and integrate social media. We were offering these services to television networks worldwide, and Mas Uno did well with the development. The system worked flawlessly, even though it was a complex project.
Although we'd already done a project with them, I was unsure if hiring Mas Uno for this project was a good idea because financial technology and video streaming are very different. However, after our previous provider let us down, we decided to work with someone we trusted, so we hired Mas Uno.
How much have you invested with them?
We've spent $100,000–$120,000.
What is the status of this engagement?
We started working together around January 2022, and the engagement is ongoing.
RESULTS & FEEDBACK
What evidence can you share that demonstrates the impact of the engagement?
Mas Uno is very good, and the app has come out really nicely. I'm happy about how the app works; the payments are instant and without error. Since the concept and ideas are very complex, launching the app has been our biggest success metric. Mas Uno has accomplished something harder than a run-of-the-mill app, and they've gotten our product approved by Google and Apple. Thanks to them, we have a functional international bill payment app — the first of its kind.
There are many heavy-hitting features in the app where we asked Mas Uno to do things that had never been done before, so there was no manual or model for them. Therefore, they've brought in a lot of innovation. Moreover, we've been able to use the app to present the project to investors, who understand the function of my company thanks to the app and have been more inclined to jump on board.
Mas Uno is knowledgeable and trustworthy, so I'll keep them on for a long time. If I ever have to hire in-house development teams, they'll manage those teams; I wouldn't want to change a team that works well and understands what we're doing so well. We've completed the first step of a few more that we'll take with them; they'll continue developing and expanding our project.
How did Mas Uno] perform from a project management standpoint?
They've been able to deliver on time within reason. Due to the nature of the project, we didn't account for many aspects, so I don't blame Mas Uno for the delays. When they develop something within their existing abilities, they deliver on time, such as the new updates they're working on. Therefore, if things had gone as planned, they would have been able to meet their detailed plan.
What did you find most impressive about them?
Mas Uno's biggest distinguishing factor is their ability to work with Latin American developers while also understanding the needs and level of efficiency and design for American standard apps. They have both those abilities, meaning API integration throughout Latin America isn't an issue, nor is it integrating with American products.
Additionally, their ability to analyze, research, and compile a plan is also outstanding. They're very reasonable with their time and budget; they aren't too expensive or cheap.
Are there any areas they could improve?
They have limitations on how many people they hire, and they're capped when it comes to projects. Therefore, if I need to get something faster or need more developers, they don't have those resources, which is their only downside. Other than that, I have no complaints.
Do you have any advice for potential customers?
Have a clear idea of what you want and which third-party partners you'll work with to develop the product. That way, Mas Uno can do their analysis quickly and efficiently. If you bring 10 things to the table, they'll have to analyze 10 items, which will take a long time.
Once Mas Uno has clarity, they can build a clear schedule and precise budget that will work well. Don't waste time asking them for advice on certain aspects. You should only ask their advice on which technologies to use for development.
Service & Deliverables
On time / deadlines
Value / within estimates
Willing to Refer4.5