Nevertheless, a discernible pattern emerges: The greater the complexity of the software, the higher the investment required. Banking applications can generally be categorized into three complexity levels:

• Simple Banking App: The cost for such an application typically falls in the range of $40,000 to $120,000, with a development timeline of 2-3 months.
• Medium Complexity Banking App: An application of moderate complexity may necessitate an investment ranging from $120,000 to $200,000, and it typically takes around 3-6 months to complete.
• Complex Banking App: Highly sophisticated banking solutions can cost anywhere between $200,000 to $300,000 or more. The development timeline for such apps can extend from 6 to 9+ months.

These estimates are approximate and serve as a starting point. To provide a more precise cost assessment for a banking application, it’s essential to consider the specific factors influencing pricing during development.

Key Factors Influencing the Cost of Banking App Development

When considering the cost of banking app development, it is crucial to account for various factors that play a crucial role in determining your project’s budget. Thoroughly analyzing each of these factors will provide you with a more accurate cost estimation during the initial stages of development. By doing so, you can even optimize your expenses by tailoring your project requirements to your specific needs.

Let’s take a closer look at the factors that demand your utmost attention:

Number of Features and Their Complexity

The quantity and intricacy of desired features constitute a substantial portion of the total banking app development cost. It’s a common practice to initiate development with the Minimal Viable Product (MVP) version. This approach involves building a product with essential functionalities, which facilitates a quicker time-to-market and minimizes the initial investment. Additional advanced features can be incorporated or upgraded over time.

The functionality of the app can be categorized into two segments:

• Core Functionality
• Advanced Functionality

Primary features encompass:

• Authentication
• KYC (Know Your Customer) for enhanced security and to mitigate illicit activities within the application.
• User profiles
• Account history and activity
• Fund transfers
• Payment of bills
• Management of cards
• ATM and bank branch locator
• Customer support
• Configuration settings

A more advanced feature set typically includes:

• Personalized suggestions and recommendations
• Intelligent expense analysis
• Financial planning tools
• Payment processing systems
• Subscription management
• Document scanning capabilities
• Investment management, and more

Design

UI (User Interface) and UX (User Experience) design represent the initial point of contact with your customers. The visual aesthetics and user-friendliness underpinning your solution often play a crucial role in shaping user perceptions and retention rates. If your project demands more intricate graphical and interactive elements, it will inevitably incur higher costs.

Choice of Platform

Developing a product for iOS and Android necessitates two distinct approaches, and your decision here also impacts the overall cost. Typically, iOS development tends to be more costly compared to Android development due to its need for specialized expertise, adherence to stringent Apple guidelines, and meticulous testing requirements.

Alternatively, you can opt for the development of two separate solutions for both platforms. However, this approach significantly escalates the final expenses, as each app follows a distinct development process and requires unique technical capabilities. To circumvent these challenges, you might consider cross-platform app development. This approach allows you to create a single solution that functions seamlessly on both iOS and Android while costing considerably less than separate development efforts.

Technology Stack

Frameworks, programming languages, and databases are instrumental in realizing a successful and profitable solution. Depending on the complexity and scope of your banking app, you may need to engage specialists with advanced expertise, skillsets, and experience in delivering banking software development services, which will entail additional investment.

Below, you can explore a fundamental set of indispensable technologies for the creation of a banking app. It’s essential to note that this list can be expanded to align with your specific requirements.

• Cloud Services Providers: Amazon Web Services (AWS), Microsoft Azure, Google Cloud Platform
• Programming Languages: JavaScript, Kotlin, Swift, Java
• Database Management Systems: MySQL, PostgreSQL
• Development Frameworks: iOS/Android Software Development Kit (SDK), Flutter, React Native

Cooperation Strategy

The cooperation strategy you opt for can significantly impact the overall development process and cost of your banking application. Generally, there are three prevalent cooperation approaches:

• Freelance: This option may seem the most cost-effective initially. However, creating a banking app necessitates the expertise of professionals such as UI/UX designers, QA engineers, DevOps specialists, and more. Finding highly qualified individuals through freelancing platforms can be time-consuming and risky, as verifying their expertise in a short timeframe is challenging. 
• In-house Team: Employing in-house experts can enhance your company’s capabilities. In-house collaboration ensures comprehensive oversight of the development process and the performance of specialists. Nevertheless, maintaining an in-house team can be considerably expensive due to operational costs like equipment, employee insurance, salaries, rent, and more.
• Outsourcing: Engaging an IT outsourcing services provider streamlines the hiring process. This approach offers greater flexibility and access to experts with diverse and global expertise. Additionally, you have the option to outsource specific specialists or collaborate with a fully assembled remote team.

Selection of Team Members and Geographic Considerations

If you choose remote cooperation, the geographic region you select for outsourcing can impact your financial planning. For instance, partnering with experts in the United States may entail hourly rates ranging from $130 to $150. In contrast, opting for the Central and Eastern Europe (CEE) region can offer rates that are approximately half as expensive, typically ranging from $40 to $60 per hour.

Nonetheless, it is imperative to meticulously assess the composition of your development team. Below is a list of key specialists required for a successful banking app project:

• Project Manager (PM)
• Business Analyst (BA)
• Solution Architect (SA)
• App Developers
• QA Engineers
• UI/UX Designers
• DevOps Engineers

Additional factors

There are more influential aspects of banking app development that include:

• Regulatory compliance
• App release
• Third-party integrations and data storage
• Maintenance and support
• Marketing expenses, etc.

Rough Estimation of Banking App Development Cost

What is the estimated cost of developing a banking application? As previously mentioned, building a comprehensive and functional solution will require the collaboration of various professionals. The essential team members for this project encompass:

• Front-end and Back-end developer
• Business analyst
• Project manager
• UI/UX designer
• QA engineer
• DevOps Engineer
• Team lead

Given the specific team composition and the outlined scope of work, the expenses associated with developing a banking application can vary within the range of $160,000 to $250,000. It’s essential to note that this estimation is not an exact figure, and there are opportunities to enhance cost-efficiency through outsourcing. Outsourcing offers several potential benefits, such as:

• Cost Reductions
• Savings on tools and infrastructure expenditures
• Increased scalability and flexibility
• Enhanced ability to concentrate on core business operations

Additionally, you can save significant amounts of resources while choosing the most relatable outsourcing region. Below, you can examine the development rate in the most popular outsourcing destinations:

The post How Does it Cost to Build a Banking App: Main Price-Forming Factors appeared first on Talibro.

Understanding Ecommerce Website Development

What is Ecommerce Website Development?

Ecommerce Website Development involves creating a custom website tailored to your business’s specific requirements. This approach typically requires hiring a professional web development team or agency to design and build a website from scratch. Here’s a closer look at the key aspects of Ecommerce Website Development:

Customization and Flexibility

One of the standout advantages of Ecommerce Website Development is the unparalleled level of customization and flexibility it offers. With a dedicated development team at your disposal, you have the freedom to design your website exactly as you envision it, ensuring it aligns perfectly with your brand identity and business goals.

Scalability

Ecommerce businesses often experience growth over time. With a custom-built website, scalability is a non-issue. Your development team can adapt and expand your site to accommodate increased traffic, products, and features seamlessly.

Advanced Features and Functionality

Custom websites can incorporate advanced features and functionality tailored to your specific needs. Whether you require complex product catalogs, personalized user experiences, or unique checkout processes, Ecommerce Website Development can bring your vision to life.

SEO Optimization

Achieving high search engine rankings is a vital part of online success. Ecommerce Website Development allows for precise SEO optimization, ensuring your site is structured and coded to maximize search visibility.

Cost Considerations

While Ecommerce Website Development provides unparalleled benefits, it can be a more significant financial investment compared to DIY solutions. However, the long-term returns on this investment can be substantial.

Exploring DIY Website Builders

The World of DIY Website Builders

DIY Website Builders have gained popularity among entrepreneurs and small business owners seeking a cost-effective and straightforward way to establish their online presence. Let’s dive into the key aspects of DIY Website Builders:

Ease of Use

One of the most significant advantages of DIY Website Builders is their user-friendly interfaces. You don’t need advanced technical skills to create a functional website. These platforms often offer drag-and-drop functionality, making website creation a breeze.

Affordability

For budget-conscious individuals or startups, DIY Website Builders present an attractive option. Most of these platforms offer various pricing tiers, allowing you to choose a plan that fits your budget.

Templates and Themes

DIY Website Builders provide a range of templates and themes that can help you get started quickly. While these templates may not offer the same level of customization as custom development, they can still provide an attractive and functional website.

Maintenance and Updates

DIY platforms typically handle maintenance and updates, freeing you from technical tasks. This can be a significant time-saver for business owners who want to focus on other aspects of their operations.

Limitations on Customization

While DIY Website Builders offer convenience, they come with limitations in terms of customization. You may find it challenging to achieve a truly unique website that stands out in a crowded online marketplace.

Choosing the Right Option for You

Making an Informed Decision

Now that we’ve explored the key characteristics of both Ecommerce Website Development and DIY Website Builders, let’s discuss how to make the right choice for your business:

Consider Your Budget

Start by evaluating your budget and long-term financial goals. Ecommerce Website Development may require a more substantial upfront investment, but it can yield significant returns in the long run.

Assess Your Technical Proficiency

Consider your technical skills and the level of control you desire over your website. If you have coding experience and a clear vision for your site, Ecommerce Website Development may be the better option. However, if you’re new to web design and prefer a user-friendly approach, a DIY Website Builder could be ideal.

Think About Your Timeline

The urgency of your project is another critical factor. DIY Website Builders can get you up and running quickly, while Ecommerce Website Development may take more time due to its custom nature.

Long-Term Goals

Consider your long-term business goals. If you foresee significant growth and the need for advanced features, Ecommerce Website Development provides the scalability and customization required to support your ambitions.

Evaluate Support and Maintenance

DIY Website Builders often handle technical aspects like updates and maintenance. If you prefer a hands-off approach, this convenience can be a deciding factor.

Conclusion

In the realm of Ecommerce Website Development vs. DIY Website Builders, there is no one-size-fits-all answer. The choice ultimately hinges on your unique business needs, budget, technical expertise, and long-term goals. Both options offer distinct advantages and disadvantages, so it’s crucial to weigh them carefully.

If you want a tailor-made online presence that aligns precisely with your brand and goals, Ecommerce Website Development is the path to consider. On the other hand, if you seek a cost-effective and user-friendly solution to establish your online presence quickly, DIY Website Builders can be a valuable choice.

In the end, your decision should align with your vision for your business’s digital future. By considering your budget, technical proficiency, timeline, long-term goals, and support needs, you can make an informed choice that propels your online success.

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To begin, the most secure way to place bets online is via credit or debit cards. They offer users the chance to limit their expenditures and are protected by sophisticated security measures. A survey by Global Gaming Statistics in 2023 found that 60% of online gamblers prefer using cards for betting transactions.

Next on the list are eWallet services like PayPal, Skrill, and Neteller. These platforms offer an extra layer of security, as they allow players to transfer funds without revealing their bank details to the gambling site. Jet Casino also supports eWallet options, providing an additional layer of safety to its users. Cryptocurrencies have also entered the gambling arena, bringing with them unmatched security and anonymity. Bitcoin, Ethereum, and Litecoin are some popular choices for bettors. A 2023 survey by CoinGamble revealed that about 30% of internet users prefer cryptocurrencies due to their enhanced security and swift transaction times.

Credit/Debit Cards: Robust security measures and expenditure control.

• eWallets: Anonymity, with no requirement to reveal bank details to gambling sites;
• Cryptocurrencies: High security, anonymity, and quick transaction times.

When it comes to withdrawing winnings, it’s essential to choose a method that offers security and speed. Jet Casino presents almost all financial options. Direct bank transfers, while not the fastest, are among the safest. They are protected by the security measures of the user’s bank, making them a reliable choice.

eWallets also serve as excellent options for withdrawals, often processing transactions faster than traditional banking methods. Plus, they offer enhanced security, as users don’t need to share sensitive information with the gambling site. Jet Casino supports several eWallet options for withdrawals, ensuring speedy and secure transactions for their users. Cryptocurrencies are also accessible at Jet Casino, with their high-speed transactions, and are another secure option for withdrawals. As per the CoinGamble survey, 25% of gamblers opt for cryptocurrency withdrawals due to their speed and security.
An interesting fact to consider: According to Safe Betting Sites, the average withdrawal time using eWallets is just 24-48 hours, compared to 3-5 days for bank transfers. This makes eWallets not only safe but also an expedient option for securing your winnings.

Ultimately, the choice of betting and withdrawal method depends on an individual’s preferences and priorities. Platforms offer a plethora of secure options, allowing users to choose the one that best suits their needs. In the fast-paced industry, where Jet Casino is the best example, safety must never be compromised, ensuring a fun and worry-free gaming experience. Also, the rise of mobile payments, such as Google Pay and Apple Pay, has permeated the online gambling industry. These use advanced encryption techniques to safeguard transaction information, providing a safe and straightforward betting experience. Research conducted by Tech Gambling Insights in 2023 found that 20% of bettors prefer mobile payments for their easy accessibility and robust security features.

Check Withdrawals and Courier Services

Besides eWallets and cryptocurrencies, traditional methods like check withdrawals are still viable, especially for large sums. Although they may be slower, they provide a tangible sense of security, with bank institutions involved at every step. Jet Casino offers check withdrawals, assuring users that their hard-earned winnings are safe. Moreover, for participants who prefer cash transactions, some online gambling platforms use courier services to deliver winnings. These services are heavily insured and offer secure, albeit slower, withdrawal methods. Despite being a relatively traditional method, the 2023 CoinGamble survey reported that 10% of users opt for courier services.

Also, users can further enhance their online security with tools like Two-Factor Authentication (2FA). 2FA provides an extra layer of protection, requiring additional verification before allowing access to accounts of Jet Casino. It is becoming increasingly popular, with Secure Betting Data reporting a 50% increase in its usage among online gamblers since 2020. Moreover, ensuring that a gambling site uses Secure Sockets Layer (SSL) encryption is crucial. SSL encrypts data during transmission, preventing unauthorized access.

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How mobile banking simplified financial transactions under quarantine

The world has faced unprecedented challenges in the wake of the COVID-19 pandemic, with restrictions ranging from social distancing to complete lockdowns. However, one thing that has never ceased to flourish is technology. Mobile banking has been at the forefront of simplifying financial transactions under quarantine. With just a few taps on a mobile device, customers can complete transactions safely and securely, without having to leave the comfort and safety of their homes. From paying bills to transferring funds, mobile banking is the go-to solution for millions of people worldwide. It’s like having an entire bank in the palm of your hand! The future of banking is definitely mobile, and it’s a game-changer.

Mobile banking is ideal for utility payments, especially for retirees

Nowadays, going mobile is the norm. With everything done online, it’s no surprise that mobile banking has swept the world by storm! And for retirees, it’s the ideal way to manage their finances, especially when it comes to utility payments. No more queuing up at the bank or waiting in long lines at the utility company. Mobile banking allows retirees to easily pay their utility bills through just a tap on their mobile phone. The convenience it provides goes a long way in saving time and energy, allowing retirees to focus on enjoying their golden years. Plus, it’s secure and hassle-free! Who could resist such a perfect match for their needs? It’s time to go mobile with your banking needs and pay those utilities on-the-go!

Business online became possible only thanks to mobile banking

The world of business is constantly evolving, with new technologies and advancements making it easier to operate. One of the most game-changing developments in recent years has undoubtedly been mobile banking, which has opened up countless new opportunities for entrepreneurs and companies. Now, businesses can create and manage accounts and make transactions from their smartphones, no matter where they are in the world. This has essentially made it possible for small businesses in particular to flourish, giving them access to a level of financial functionality that was previously available only to larger organizations. Without mobile banking, the online business landscape may not exist as it does today, and entrepreneurs would be left without the tools they need to succeed.

Gambling industry could go online only because of the possibility of online payments

The gambling industry is on the brink of a revolution! Thanks to the advent of online payments, it could finally go completely digital. Picture everything you love about gambling, from the thrill of the spin to the rush of betting it all on a single card, but now all of it from the comfort of your home. No more dressing up in fancy suits or leaving your house for hours on end. It’s a game-changer that will transform the entire industry. With the mobile devices we carry with us every day, we could potentially gamble anytime, anywhere, and any game. The possibilities are endless, and it’s time for the gambling industry to take the leap and embrace the digital age wholeheartedly. Get ready to experience the excitement of gambling like you’ve never felt it before!

Why saving money became much easier with mobile banking

Saving money just got a whole lot easier with mobile banking! Gone are the days of making trips to the bank or fussing with online banking on your computer – now, with just a few taps on your phone, you can effortlessly transfer funds into your savings account. Not to mention, many mobile banking apps offer helpful tools for tracking spending and setting savings goals. It’s no wonder why more and more people are turning to mobile banking for their financial needs. Trust us, your wallet will thank you for making the switch!

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Mobile banking and personal finance

With the appearance of mobile banking, people started spending personal budgets differently. As soon as we forgot about cash, we turned to spend online. For some, it became a trap, and the money went down the drain. For others, it became a good way to control all transactions and prevent unnecessary expenses. So, how does the influence of mobile banking look in real-time? Here are a couple of examples:

1. Convenience: Mobile banking apps allow users to manage their finances on the go, from anywhere, and at any time. This means that users can quickly and easily check their account balances, pay bills, and transfer money without having to visit a physical bank or ATM.
2. Real-Time Transaction Tracking: Mobile banking apps provide real-time transaction tracking, so users can instantly see where their money is going and how much they have left. This makes it easier to stay on top of expenses and avoid overspending.
3. Enhanced Security: Mobile banking apps use advanced security measures, such as biometric authentication and encryption, to protect users’ financial information. This gives users peace of mind and helps prevent fraud and identity theft.
4. Personalized Financial Insights: Some mobile banking apps provide personalized financial insights and advice, based on a user’s spending habits and financial goals. This can help users make informed decisions about their finances and make better use of their money.
5. Budgeting Tools: Many mobile banking apps come with built-in budgeting tools that allow users to set spending limits, track their expenses, and create financial goals. This helps users stay on top of their finances and save money in the long run.

Mobile banking isn’t just altering how people deal with their funds, however, it is likewise changing how organizations deal with their funds. New tools for money management changed business conduct dramatically. Here are just some of the influential inventions:

1. Expense Management: Mobile banking apps can be used to manage employee expenses, allowing employees to upload receipts and submit expense reports directly through the app. This saves time and reduces paperwork for both employees and the finance team.
2. Invoice Management: Mobile banking apps can also be used to create and send invoices directly to clients, streamlining the invoicing process and reducing the time it takes to get paid.
3. Cash Flow Management: Mobile banking apps can be used to monitor cash flow in real time, allowing businesses to make informed decisions about spending and investments.
4. Payment Collection: Mobile banking apps can be used to collect payments from customers and clients, making it easier for businesses to receive payments quickly and efficiently.
5. Loan Management: Mobile banking apps can be used to manage loan applications and track the status of loan approvals, making it easier for businesses to secure financing when they need it.

One example of successful usage of mobile banking for business finance management is Square. Square is a payment processing company that offers a range of financial management tools for businesses, including a mobile app that allows businesses to manage payments, invoices, and expenses on the go. By making it easier for businesses to manage their finances, Square has helped many small businesses grow and thrive. Another example is Xero, a cloud-based accounting software that offers a mobile app for managing invoicing, expenses, and financial reporting. Xero has helped many small and medium-sized businesses streamline their financial management processes and make better use of their time and resources.

The post How Mobile Banking and Financial Apps are Revolutionizing the Way We Manage Money appeared first on Talibro.

Automating Routine Tasks

 RPA services are being used to automate routine banking tasks, such as transaction processing and account reconciliation. This has helped to reduce the risk of errors and improve the efficiency of operations, allowing banks to focus on higher-value activities.

Example

JP MorganChase used RPA to automate processing of loans.It reduced the time spent on one application from a couple of days to hours. As a result, improved customer service and less errors.

Personalization

Mobile banking apps are being used to provide a more personalized customer experience, with features such as tailored product suggestions and smart fraud detection. This has worked well to improve customer engagement and loyalty.

Example

Bank of America used RPA to modernize fraud detection. They improved identification and prevention of fraudulent activities in real-time. For that, they analyzed the customer behavior and defined the signs of suspicious activities. As a result, the bank avoids lots of losses.

Innovation

Mobile banking and RPA services are driving innovation in the banking industry, with banks developing new products and services that better meet the needs of customers. For example, mobile payment apps and virtual wallets are becoming increasingly popular, offering customers a faster, more convenient way to make transactions.

Example

Ally Bank, a leading mobile banking company, has implemented RPA to improve the efficiency of its back-office operations. By automating routine tasks such as data entry and report generation, Ally Bank has been able to reduce costs and improve the speed and accuracy of its operations. In addition, the bank has used RPA to automate loan processing, reducing the time it takes to process loans from days to hours. This has helped to improve the customer experience and reduce the risk of errors.

Banks are using Cost Reduction RPA services to reduce costs and improve the efficiency of operations. By automating routine tasks, banks are able to reduce the need for staff and resources, freeing up resources for other activities.

Example

BBVA Compass is using RPA to automate a number of its back-office functions, including account reconciliation and transaction processing. By automating these routine tasks, BBVA Compass has been able to reduce its operating costs and improve the efficiency of its operations.

Accessibility

Mobile banking has made banking services more accessible to underserved populations, such as those living in rural areas or with limited access to traditional banking services. This has helped to improve financial inclusion and increase access to financial services.

Example

RPA technology has been employed by mobile banking business Chime to increase underserved people’s access to banking services. Chime is able to provide financial services at a lesser cost than traditional banks by automating repetitive procedures and streamlining back-office operations, making them available to customers who may not have previously had access to them.

Final Thoughts

RPA helped mobile banking services take a huge leap. It made complicated procedures simple, so people of various age categories and without much knowledge of technology could access it. Besides, it made banking cheaper for the companies who conduct the business. Automation is one of the ways that made it easier for people to apply for a loan remotely, without any paperwork and long security checks. Whenever a person wants to transfer money from one bank to another or just check the balance, they do not need to go to the bank and wait in a long line to gain consultation. The banks get more opportunities with automation to provide an excellent Logitech software to their customers without making it more expensive or time-consuming.

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We analyzed the top 100 mobile applications from the Android and iPhone markets on the date before the start of quarantine – March 11 and April 21 and identified Eastern European companies and foreign affiliates that create jobs in this location, such as Vodafone, UberEats, BlaBlaCar.

 Top mobile applications

• The first trend. The positions of product (application development) companies have changed, in particular when we talk about food delivery. Applications like Raketa, UberEats, “Silpo” rose in the ranking – from top 100 to top 20. And from the top-20 to the top-10 the application of “Nova poshta” rose (mail delivery service).

• The second trend. Almost all programs of Eastern European product companies in the top 100 of Google Play and the App Store are free. Exceptions are administrative services, such as passing tests to the National Police ($ 8) and medical training tests KROK ($ 1.99). As an example, it turns out that during quarantine, Ukrainians study for doctors and police officers. Also among the top paid applications were educational mobile applications for children, for example, in the Ukrainian language (“Learning to read in Ukrainian” – $2). At the same time, even paid services in other countries, such as medical programs for smartphones and telemedicine, are free.

• The third trend. Even during quarantine, mobile applications of taxis and transportation services, such as BlaBlaCar, remain in the top 100. Their inclusion in the rankings shows how active these services are. On the one hand, taxis, contrary to the quarantine regime, remain the only available mode of transport for people who do not have their own cars and special passes. This and Uklon, and Bolt, and even BlaBlaCar. At the same time, BlaBlaCar is not on the list of 200 popular applications in his native France. Although, for example, on January 6, 2020 BlaBlaCar at home was in 52nd place.

Mobile applications shadow economy

Indeed, for many countries in quarantine, several applications for transportation in the top 100 – a rarity. For example, let’s look at how Über’s place in the ranking of applications has changed.

In the top 100 App Store in the US, Über is ranked 170th. At the same time, before quarantine, he was consistently in the top 50. In the Israeli top 100 at the beginning of the year, Über was inside the rankings, and on April 21 it was not even in the top 200. In the UK, a couple of months ago, Über was in the top 30 (24th place on February 1), and a few days ago it was not found in the top 200. In Ukraine for example, among iPhone applications, Über was ranked 126th on April 21.

At the same time, in other countries, in the midst of quarantine, there are almost no alternative travel programs in the ranking. Instead, the Ukrainian rating includes several at once.

That says a lot. For example, the high level of the shadow economy in the country and weak control by the authorities, even during quarantine.

It also indicates a low level of support for people and business by the authorities. Despite the mortal danger due to low social support from the government and local authorities, Eastern Europeans are forced to continue to participate in many business processes. There is no general credit vacation in banks, no food or social assistance for the population. Unlike other countries, there are no subsidies for business.

And finally, the active use of transport applications during the crisis indicates that some sectors are unable to switch to remote work and work exclusively with cash.

Although the largest retail chains, such as Silpo and MegaMarket, have their own delivery services, and ATB implements joint delivery with Rozetka, the top 100 also includes delivery service programs – Glovo and Raketa. Nova Poshta is also a stable leader in the “quarantine” top 100.

As in other countries, entertainment services are very popular in Eastern Europe such as: Sweet TV, Megogo. 

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This financial accounting service, presented with mobile applications for iOS and Android, is positioned as the easiest and most intuitive financial manager. To this we should add the definition of “concise and stylish”, as Spendee’s design fits perfectly into the concept of both platforms.

Spendee has a basic set of features, including main account finances, budgeting, CSV/XLS export and cloud synchronization, which is available upon registration. The application supports multi-currency operations with automatic conversion to the main currency. The main advantage of the application is the simplicity and speed of adding financial transactions. In Spendee you can really easily add transactions in a couple of clicks. If you have time, you can add more details to the transaction: a photo, a location, a note, a reminder, set a repeat payment or schedule it for the future. Another advantage of the app is the color differentiation of the transaction according to a certain category of expenses or income, infographics and simple but clear statistics.

Overall, Spendee is a really simple financial manager that does not claim to be the best or most functional. The app can be available for free and by subscription. The paid version removes the restriction on adding wallets, budgets, and also allows you to add other users for general financial management.

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Over the years, the application has undergone many changes, the main of which – the withdrawal of support for the first version of the program and the release of MoneyWiz 2. Moreover, this restart was an unpleasant surprise for users who had to re-purchase the application. A key feature of MoneyWiz 2 is online banking. This option allows you to connect the accounts of more than 2000 banks around the world. As stated by the developers, the application does not connect to the bank directly and does not save bank data, but acts as an aggregator, using third-party certified services. This service is available by subscription and will cost $5/month or $50/year.

MoneyWiz 2 includes a wide range of financial management features, from simple counting of cash expenses to full automation of cash flow. The app offers all kinds of financial accounting options, budget planning and management, recurring transactions, expense analysis, detailed reports in the form of graphs, charts or simple statistics, taking into account various ready-made and custom filters. Each report can be saved in the program or exported to a PDF file. For registered users, MoneyWiz 2 offers the ability to synchronize their data.

As for the program interface and usability – not everything is smooth. Despite attempts to make the design more modern, the application still looks slightly outdated, and small and awkward interface elements are the result of poor optimization for small devices. In addition, in order to record an elementary transaction, you have to perform a number of actions, some operations are added through the context menu. But the developers should be praised for the added ability to customize the layout of transactions and display widgets with different information on the main screen of the program.

MoneyWiz 2 – not the best application for accounting finances, but undoubtedly one of the most functional. However, it clearly lacks a client for the PC or at least the ability to manage their finances in a browser. The program will definitely suit people who are used to scrupulous attitude to financial expenditures, but for simpler operations it is better to pay attention to other applications. Try MoneyWiz 2 in work you can, installing the free version, allowing you to make no more than 100 transactions.

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A veteran among financial managers, one of the most in-demand apps on iOS and Android in the finance category received a relaunch in 2014. The new version of CoinKeeper has changed its monetization model, looking more modern and matching the style of iOS 7 and Android Lollipop. At the same time, the developers continued to support the old version of the CoinKeeper Classic app for users with well-established preferences.

The most important difference between CoinKeeper and other similar programs is the original and very unusual way to keep financial records using gestures. To add an expense, you have to drag the account icon to the desired category and enter the amount. Admittedly, this is the fastest way to add a transaction – it saves the user from unnecessary actions and is suitable for other financial operations, such as transferring funds between accounts or depositing them. Gestures can also be used to organize categories on the screen. With this control, the advantage of the application is its interface, where all the main elements are on one screen.

An interesting feature of CoinKeeper is the ability to specify a monthly limit for each category. When such a limit is set, the category icon takes on a color fill that fills up as it is exhausted, signaling a possible overspending of funds. The manager’s statistics are not too detailed: this is general information on expenses and income in the form of a pie chart, a report by day and the basic dynamics of financial transactions in the form of a graph. All in all, everything looks very solid. The most significant disadvantages of CoinKeeper are the lack of multi-currency accounts and multi-currency transactions, and the ability to import your own data.

CoinKeeper is distributed on a subscription basis which opens up features that are missing or limited in the free version of the application. These include: unlimited accounts, expense categories, statistics for any period, adding a budget, exporting data, and synchronization between devices.

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