CreditCliq Mobile App Development
Sherifdeen Adebayo
CreditCliq Mobile - Case Study
Project Type: Fintech Mobile App | Role: Lead Mobile Developer | Timeline: Aug 2023 - Feb 2025 Platforms: iOS & Android | Users: 2000+ | Status: Live
Overview
CreditCliq is a fintech platform democratizing access to credit information in emerging markets. The mobile app enables users to monitor real-time credit scores, track credit inquiries, and discover personalized financial products.
I led the design and development of a cross-platform mobile application serving thousands of users, establishing the technical foundation and development practices that enabled rapid iteration and scaling.
Goals
User Experience
Enable real-time credit score monitoring from multiple bureaus
Provide transparent credit insights through interactive visualizations
Create trusted, secure experience for sensitive financial data
Product
Drive user engagement through gamification (CLIQ points system)
Encourage organic growth via referral programs
Support educational content (daily financial questions)
Technical
Build scalable, type-safe architecture for rapid feature development
Implement comprehensive monitoring and error tracking
Enable deployment without app store delays (OTA updates)
Challenge
The Problem
Building a financial mobile app required balancing three competing demands:
Trust & Security - Users needed confidence their credit data was safe. This required implementing multi-layer verification (BVN), secure authentication, and transparent error handling.
Real-Time Performance - Users expected instant credit score updates, smooth animations, and fast loading times. Coordinating data from multiple credit bureaus with varying response times added complexity.
Platform Consistency - We needed feature parity across iOS and Android while leveraging platform-specific capabilities (Face ID, fingerprint, haptics) and maintaining 60fps animations.
Key Technical Obstacles
Complex State Management: Coordinating authentication, verification status, async API calls, and UI states across multiple flows
Cross-Platform Optimization: Rendering credit score visualizations smoothly on devices spanning 4 years of hardware
Secure Token Handling: Managing JWT tokens, refresh cycles, and biometric auth without leaking credentials
Data Synchronization: Handling BVN verification queues, bureau response delays, and incomplete data states gracefully
Solutions & Outcome
Architecture & Technical Approach
Type-Safe Navigation & Routing
Expo Router with TypeScript for file-based routing
Separated authenticated and unauthenticated flows with route guards
Deep linking support for direct app access from web
State Management Pattern
Secure Authentication
JWT tokens in Secure Store, never in AsyncStorage
Automatic token refresh with request interceptors
Biometric authentication (Face ID/fingerprint) with expo-local-authentication
Graceful auth state recovery on app launch
Data Visualization
Shopify Skia for performant credit score gauge rendering
Victory Native for interactive credit history charts
react-native-view-shot for shareable credit score images
React Native Reanimated for smooth 60fps animations
Monitoring & Reliability
Firebase Crashlytics for real-time crash detection
Sentry integration for detailed error logging
Firebase Analytics for user behavior insights
Custom error boundaries with helpful user messaging
Tech Stack
Frontend: React Native, Expo, TypeScript
State Management: TanStack React Query (server state), Valtio (global state)
Styling: NativeWind + Tailwind CSS
Visualizations: Shopify Skia (gauges), Victory Native (charts), React Native Reanimated (animations)
Security: Expo Secure Store (JWT tokens), Firebase Auth
Monitoring: Firebase Crashlytics, Firebase Analytics, Sentry
Mobile: Push notifications, biometric auth, haptics, file uploads
Key Features & Implementation
1. Home Screen Dashboard
Creditcliq Home Screen
Features:
Real-time credit score gauge with status indicator
Credit score history chart (6-month trend)
User greeting with CLIQ points display
Quick links to credit inquiries and portfolio
Daily financial question engagement
Referral rewards call-to-action
2. Credit Report Details
Features:
Bureau-specific credit scores
Last refresh timestamp
Shareable credit score image
Credit inquiry tracking
Credit portfolio overview
Account details and payment history
3. Authentication & Verification
Flows:
Secure login/signup with validation
Password reset verification
BVN (Bank Verification Number) verification
Verification queue status during high volume
Biometric authentication setup
4. Settings & Profile
Capabilities:
Profile information editing
Password and PIN management
BVN verification status
Account security settings
Notification preferences
Results & Impact
User Metrics
Active Users: 2,000+ monthly active users
iOS/Android Split: 58% iOS / 42% Android
Session Duration: 8-12 minutes
Verification Completion Rate: 78% (BVN verification within 7 days)
Return Rate (7-day): 64% 162 +
Credit Report Pull Rate: 82% of verified users
Technical Performance
App Launch Time: <1 second (Hermes engine)
Animation Performance: 60 FPS maintained
Crash-Free Users: 99%+
Average Session Load Time: <2 seconds
Business Outcomes
Rapid Feature Delivery: Added new features in days using established patterns
Scalable Foundation: Enabled team growth without architectural rewrites ✅ Zer
Critical Incidents: Comprehensive error tracking prevented production issues
User Trust: Security-first approach with transparent verification process
Key Learnings
What Worked
Type safety caught bugs before user impact
React Query eliminated complex state synchronization logic
Expo ecosystem accelerated development significantly
Component library enabled consistency across 50+ screens
If Building Again
Add integration testing earlier (auth & BVN flows are complex)
Implement i18n from day one
E2E testing with Detox for critical journeys
Links
Landing Page [Download Links ->]: https://www.creditcliq.com/consumerapp
Like this project
Posted Dec 1, 2025
Led design and development of CreditCliq's fintech mobile app for real-time credit monitoring.
Likes
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Views
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Timeline
Aug 1, 2023 - Feb 28, 2025
