Smith & Smith: +85% digital adoption for money transfers

Smith & Smith, an established player in international money transfers, faced the same pressure as the rest of the sector: customers now expect to move money from their phone, instantly and securely, and a transfer business that can't offer that loses ground. The job was to digitalise without compromising on the security a money-movement product demands.

That combination — consumer-grade ease and bank-grade security — set the bar:

• Bank-grade security with end-to-end encryption
• Biometric authentication (Face ID, Touch ID, fingerprint)
• An interface intuitive enough for every age group, not just the tech-savvy
• Real-time transfers with full tracking
• Integration with existing banking systems
• 24/7 availability with push notifications

We built native iOS and Android apps to current fintech standards, with security designed in from the first line rather than bolted on, and integrated them with the existing transfer backend.

Security as the foundation. End-to-end encryption protects data in transit and at rest; biometric authentication (Face ID, Touch ID, fingerprint) gates access without friction. Security wasn't a feature added late — it shaped the architecture from the start, which is why the product launched and ran with zero security incidents.

Native for trust and feel. We built native (SwiftUI / Jetpack Compose) rather than a thin wrapper, because a money app has to feel fast, solid and trustworthy on each platform — the things that make people comfortable moving real money.

Designed for every customer. The interface was built to be intuitive across age groups, not just for digital natives — a deliberate driver of the 85% jump in digital adoption.

Real-time transfers with tracking. Customers initiate and follow transfers in real time, with push notifications at each step, integrated with the existing banking systems.

Stack: SwiftUI, Jetpack Compose, Node.js, PostgreSQL, end-to-end encryption, biometric auth and push notifications.

Digital adoption rose 85% within six months of launch, with zero security incidents — a money-transfer experience customers of every age use with confidence.

For a transfer business, that adoption shift is the whole game: volume moved from slower, costlier channels onto a secure mobile product that runs 24/7, with full tracking and instant notifications. And it happened without a single security event — the proof that bank-grade security was real, not just a line on the marketing page.