Application Mobile Fintech - Néobanque

Mission

Création from scratch d'une application de néobanque disruptive ciblant les millennials et Gen Z, avec focus sur l'expérience utilisateur et l'innovation financière.

Fonctionnalités innovantes

1. Paiements nouvelle génération

Paiements sans contact: NFC avec animation 3D
Split instantané: Partage de frais en temps réel
QR Code dynamique: Paiements P2P sécurisés
Crypto wallet intégré: Achat/vente Bitcoin, Ethereum

2. Gestion financière intelligente

// Exemple: Catégorisation automatique par ML
export class TransactionCategorizer {
  private model: TFModel
  
  async categorize(transaction: Transaction): Promise<Category> {
    const features = this.extractFeatures(transaction)
    const embedding = await this.model.embed(features)
    
    const category = await this.predict(embedding)
    const confidence = category.score
    
    // Apprentissage continu
    if (confidence < 0.8) {
      await this.requestUserFeedback(transaction, category)
    }
    
    return category
  }
  
  private extractFeatures(tx: Transaction) {
    return {
      merchant: this.tokenize(tx.merchantName),
      amount: this.normalizeAmount(tx.amount),
      time: this.extractTimeFeatures(tx.timestamp),
      location: tx.location?.coordinates
    }
  }
}

3. Sécurité maximale

Biométrie avancée: Face ID + empreinte
Carte virtuelle dynamique: Nouveaux numéros par transaction
Freeze instantané: Blocage carte en 1 tap
Anti-fraud ML: Détection anomalies temps réel

4. Features uniques

Round-up investing: Arrondi automatique investi
Social payments: Feed social des paiements amis
Gamification épargne: Challenges et rewards
Assistant financier IA: Conseils personnalisés

Architecture mobile

React Native optimisé

// Performance: Optimisation des listes infinies
export const TransactionList = memo(() => {
  const { transactions, loadMore } = useTransactions()
  
  const renderItem = useCallback(({ item }: { item: Transaction }) => (
    <TransactionItem
      transaction={item}
      onPress={() => navigateToDetails(item.id)}
    />
  ), [])
  
  const keyExtractor = useCallback((item: Transaction) => item.id, [])
  
  return (
    <FlashList
      data={transactions}
      renderItem={renderItem}
      keyExtractor={keyExtractor}
      estimatedItemSize={85}
      onEndReached={loadMore}
      onEndReachedThreshold={0.5}
      ListFooterComponent={<LoadingIndicator />}
      // Optimisations performance
      removeClippedSubviews={true}
      maxToRenderPerBatch={10}
      windowSize={10}
    />
  )
})

Animations fluides

// Exemple: Animation paiement NFC
const NFCPaymentAnimation = () => {
  const scale = useSharedValue(1)
  const opacity = useSharedValue(0)
  
  const animatedStyle = useAnimatedStyle(() => ({
    transform: [{ scale: scale.value }],
    opacity: opacity.value
  }))
  
  const triggerPayment = () => {
    // Vibration feedback
    Haptics.impactAsync(Haptics.ImpactFeedbackStyle.Medium)
    
    // Animation des ondes
    scale.value = withRepeat(
      withSequence(
        withTiming(1.2, { duration: 300 }),
        withTiming(1, { duration: 300 })
      ),
      3
    )
    
    opacity.value = withSequence(
      withTiming(1, { duration: 200 }),
      withDelay(1200, withTiming(0, { duration: 200 }))
    )
  }
  
  return (
    <Animated.View style={[styles.nfcWave, animatedStyle]}>
      <NFCIcon />
    </Animated.View>
  )
}

Architecture backend

Microservices résilients

Account Service: Gestion comptes, KYC
Payment Service: Processing paiements, clearing
Fraud Service: Détection temps réel, ML models
Crypto Service: Wallet, trading, blockchain
Notification Service: Push, SMS, emails

Infrastructure haute disponibilité

# Kubernetes config exemple
apiVersion: apps/v1
kind: Deployment
metadata:
  name: payment-service
spec:
  replicas: 10
  strategy:
    type: RollingUpdate
    rollingUpdate:
      maxSurge: 2
      maxUnavailable: 0
  template:
    spec:
      containers:
      - name: payment-service
        image: fintech/payment-service:latest
        resources:
          requests:
            memory: "512Mi"
            cpu: "500m"
          limits:
            memory: "1Gi"
            cpu: "1000m"
        livenessProbe:
          httpGet:
            path: /health
            port: 3000
          initialDelaySeconds: 30
          periodSeconds: 10