{"id":6518,"date":"2020-04-08T11:57:29","date_gmt":"2020-04-08T11:57:29","guid":{"rendered":"https:\/\/codeandpepper.com\/?p=6518"},"modified":"2023-12-21T09:52:22","modified_gmt":"2023-12-21T09:52:22","slug":"10-cross-platform-apps-fintech","status":"publish","type":"post","link":"https:\/\/codeandpepper.com\/10-cross-platform-apps-fintech\/","title":{"rendered":"10 Cross-Platform FinTech Applications You Should Know"},"content":{"rendered":"\n

FinTech has been on the rise since the turn of the 21st Century and analysts estimate the sector\u2019s revenue generation will reach $4.8 trillion in 2020<\/a>. A healthy mix of traditional banks and upcoming startups gives the industry a strong outlook for future growth. Successful cross-platform FinTech apps reach users across as many platforms as possible, including iOS, Android, and Windows OS. <\/strong>Frameworks like .NET Core, React Native, and Flutter are helping to make this happen. Let\u2019s dive into how you can emulate some of the best financial apps that run on all platforms.<\/p>\n\n\n\n\n\n\n\n

1. Nubank<\/h3>\n\n\n\n

Boasting 48 million users<\/a> (as of 2021), Nubank<\/a> is one of the largest neobanks in the world. It operates in Brazil, Mexico, and Colombia, with the majority of its user base coming from Brazil. Nubank offers a range of financial products for individual consumers, including a digital account, loans, or investments. Its offering also includes a business account aimed at small business owners and entrepreneurs looking to track their cash flow better.<\/p>\n\n\n\n

Nubank\u2019s app is available on Android and iOS, and initially it was managed as a native app. However, challenges with scaling the teams and the inefficiency of developing each feature twice drove Nubank to look into cross-platform mobile development<\/strong>. After exhaustive tests the team settled on Flutter<\/a> as Nubank\u2019s primary cross-platform technology.<\/p>\n\n\n\n

Its switch to cross-platform app development<\/a> can be easily deemed a success. With the new technology, Nubank\u2019s team launched a new product, life insurance, in just 3 months. Previously, a similar launch would take even up to a year.<\/p>\n\n\n\n

2. Robinhood<\/h3>\n\n\n\n

Robinhood<\/a> operates both a website and native mobile apps (thus far available on iPhone, Apple Watch, and Android). Two separate apps (Robinhood Financial and Robinhood Crypto) enable easy investments in stocks, ETFs, options, and crypto assets. The company is FINRA-approved and registered with the U.S. Securities and Exchange Commission.<\/p>\n\n\n\n

So far in 2022, Robinhood has launched a new debit card called the Cash Card and extended trading hours as a step towards 24\/7 investing.<\/p>\n\n\n\n

\"Cross<\/figure>\n\n\n\n

3. Mint<\/h3>\n\n\n\n

Intuit\u2019s Mint<\/a> is an award-winning cross-platform FinTech app<\/a> and one of the early market leaders. It\u2019s completely free, runs on any platform and connects to thousands of financial accounts so you can fully track your monetary health. This personal finance app is beloved for its simple, intuitive UX, simplicity and overall financial usefulness.<\/p>\n\n\n\n

Its sleek interface enables budgeting, credit reporting and more. With over 20 million users and easy integration with QuickBooks and TurboTax, Mint has been making a mint for over 15 years now.<\/p>\n\n\n\n

4. Coinbase<\/h3>\n\n\n\n

Coinbase<\/a> is one of the most popular crypto exchanges on the planet and one of few licensed and registered to operate in the U.S. Not only does Coinbase need to be compatible with each OS, but it also needs to support the underlying blockchain for each crypto trading on its markets. In addition to the exchange, the Coinbase Wallet is a standalone crypto asset wallet.<\/p>\n\n\n\n

Because of a strong focus on continuous development, regulation is the biggest hurdle this crypto company might face.<\/p>\n\n\n\n

\"Coinbase<\/figure><\/div>\n\n\n\n

5. Tellus App<\/h3>\n\n\n\n

Developed in 2016, Tellus<\/a> is a relatively new cross-platform app<\/strong>. The all-in-one platform connects investors, landlords, property managers and homeowners with the real estate tools they need. This FinTech startup is hoping to democratise the mortgage industry and ease communications between landlords and tenants. The platform provides a tenant portal and supports credit checks, online payments, tax management, and vacancy management.<\/p>\n\n\n\n

Free to use, Tellus instead opts to take a small percentage from each transaction performed on the site.<\/p>\n\n\n\n

6. Lemonade<\/h3>\n\n\n\n

If you\u2019ve moved in the past few years, odds are you\u2019re familiar with Lemonade Insurance Company<\/a> from your USPS change of address package. This full-stack insurance company has raised $120 million and underwrites its own policies with reinsurance from Lloyd\u2019s of London. It has an A financial rating and uses machine learning and chatbots to revolutionise the entire claims process.<\/p>\n\n\n\n

In 2016, Lemonade\u2019s chatbots set a world record<\/a> for approving and paying a claim via an iPhone within three seconds.<\/p>\n\n\n\n

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