[Mobile App] YoloPay (Finch Pay)- Mobile Banking App for GenZ

Description: Yolo Pay (now Finch Pay) is a comprehensive digital wallet for teenagers, offering global money transfer, subscription management, exclusive deals, and rewarding cashbacks and vouchers. Joined as the Founding Fullstack Developer, owned the entire product end to end from first commit to production, and set the engineering standards the team followed as it grew.

Built and deployed the React Native mobile app (iOS and Android) with TypeScript, growing user signups by 40% and boosting customer engagement by 35%.

Implemented Apple Wallet (.pkpass) and Google Wallet API pass generation for the loyalty and rewards program, enabling users to store coupons, vouchers, and cashback cards directly in their mobile wallets with APNs and FCM push updates for real-time pass notifications.

Optimized bundle size and performance, reducing bounce rates by 20% and increasing daily active users by 15%.

Integrated 10+ SDKs and built 20+ RESTful APIs, cutting average payment processing time by 1.5 seconds per transaction.

Chose NestJS for the microservices architecture over Express for its module system and dependency injection, which kept the codebase maintainable as the team grew. Reduced response time by 40%.

Designed database schemas in MongoDB optimized for high-throughput financial transactions, handling thousands of daily payment events with audit trails for ISF compliance.

Integrated Redis caching layer to reduce database load on hot paths, improving transaction speed by 30%.

Made key architecture decisions: chose MongoDB for flexible transaction schemas over PostgreSQL, implemented event-driven patterns for payment state machines, and designed the API gateway layer for third-party integrations.

Led code reviews, defined PR standards, and mentored junior developers joining the team. Established coding conventions and testing practices that reduced bug resolution time by 25%.

Deployed and managed production infrastructure on AWS, handling scaling decisions as user base grew.

Drove cross-functional alignment with product and third-party stakeholders, owning technical scoping and delivery timelines.