Bill Payment & Mobile Recharge App For Nigeria and mobi

I need a talented developer to create a versatile bill payment and mobile recharge app using React Native and Redux for the frontend, Nodejs/Express for the backend and Mongodb for the database of choice. Here's what I'm looking for: - **Platform Compatibility:** - Must work seamlessly on Android, iOS, and Admin page. - **Payment Integration:** - Ability to integrate multiple payment methods. - The developer should suggest the most secure and efficient options. - **Urgency:** - I am looking to get this app operational as soon as possible. A prompt turnaround is essential. **Ideal Skills:** - Experience with cross-platform mobile app development (React Native, Nodejs, Redux and Mongodb, etc.) - Proficiency in third party api integration and financial transactions - Strong understanding of security best practices for financial apps - In app messaging/chat - Good communication skills to provide regular updates **Experience:** - Previous work on finance-related apps is highly desirable. - Portfolio showcasing similar projects. Your expertise will help in building a reliable and user-friendly financial application. If you're up for the challenge, I look forward to seeing your bid and discussing how you can contribute to this project's success. The app design is done in Figma. If interested, please response with UTIPAY at the subject line if you want me to review your proposal so I know you read the description of the app. Include related apps that you have developed in your proposal. *** KEY APP FEATURES AND FUNCTIONALITY *** 1. User Registration and Authentication: - Users can create accounts using their email or phone number and a secure password. - Two-factor authentication (2FA) is implemented for an extra layer of security, with options for email or SMS verification. - Transaction pin creation for an extra layer of security during transactions. 2. Dashboard: - The dashboard provides a snapshot of the user's financial status, displaying account balances, recent transactions, and rewards points. - Option to add money to the user's account. - QR Code Scan icon: to allow users to be able to scan QR codes to make payments using the funds available on their account balance. 3. Airtime & Data Top-Up: - Users can easily select their mobile network and recharge airtime and data directly through the app. - Past airtime and data transactions are logged in the transaction history for reference. 4. Bill Payments: - Seamless integration with utility providers allows users to pay bills for electricity, cable TV, internet, and other services. - Users can set up bill reminders to avoid late payments. - Auto-Pay Option: Allow users to set up automatic bill payments for regular expenses, providing convenience and helping them avoid late fees. - Split Bills: Allow users to split bills with friends or family directly through the app, simplifying group expenses. 5. Loyalty Program: - Points are earned for every airtime top-up, bill payment, and successful referral. - Users can redeem points for discounts on future transactions. 6. Referral Program: - Users are incentivized to refer friends and family through a unique referral link. - Rewards are earned for successful referrals, encouraging user growth. - A referral tracking system allows users to monitor the status and impact of their referrals. 7. Security Measures: - All transactions are secured using encryption protocols. - Biometric authentication options, such as fingerprint, PIN or face recognition, enhance account security. - Device ID tracking or lock to track and limit users from creating multiple accounts using one device and to curb the issue of self-referral as a means to accumulate referral bonuses. 8. User Support: - In-app chat support allows users to interact with customer support representatives for real-time assistance. - A comprehensive help center includes FAQs, guides, and troubleshooting tips. - A robust and up-to-date blog where users can read more about what’s new on the app and what’s coming their way. 9. Analytics: - Analytics tools monitor user behavior, popular features, and overall app performance. - Insights from analytics help in making data-driven decisions for app improvements. 10. Notifications: - Push notifications keep users informed about successful transactions, rewards earned, and important announcements. - Users can customize notification preferences based on their preferences. 11. Settings: - Users can customize app settings, including notification preferences, security settings, and language preferences. - Generation of unique app ID to receive funds from fellow app users. - Security settings allow users to change passwords and set up account recovery options. 12. Multi-Language Support: - The app supports multiple languages to cater to a diverse user base, promoting inclusivity. 13. Social Media Integration: - Users can share their referral links on social media platforms directly from the app. - Social integration enhances user engagement and serves as a marketing tool. 14. Feedback and Ratings: - Users can provide feedback on their experience and rate the app. - The feedback loop is crucial for continuous improvement and user satisfaction. 15. Data Privacy and Consent: - The app clearly communicates its data privacy policies to users. - Users are prompted to provide explicit consent for data processing, ensuring transparency and compliance.