CreditCliq Mobile App Development

Sherifdeen Adebayo

Completed work

Frontend Engineer

Mobile Engineer

React Native Developer

React Native

Tailwind CSS

TypeScript

FinTech & Payments

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

Frontend State: Valtio (lightweight global state - device IDs, selected reports)
                    ↓
Server State: TanStack React Query (caching, synchronization, refetch)
                    ↓
Authentication: Expo Secure Store (JWT tokens, credentials)
                    ↓
APIs: Axios with interceptors (token refresh, error handling)

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

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Completed work

Posted Dec 1, 2025

Led design and development of CreditCliq's fintech mobile app for real-time credit monitoring.

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Timeline

Aug 1, 2023 - Feb 28, 2025