Developing Mobile Apps and Payment Systems

If you’re developing a mobile app, there are a few things you should keep in mind before you get started. You’ll need to prioritize your requirements and group them into milestones so that you can work on them in stages. Many people are worried about time, resources, and cost. Therefore, you should prioritize your MVP in order to launch your app on time and on budget. Then, you can expand to other functionalities based on feedback from your users.

User personas

When developing a mobile app or payment system, it’s critical to develop user personas or fictional representations of your target users. These fictional characters can help you develop a better product because they give you a clear understanding of your target customer’s needs, motivations, and expectations. User personas are also a valuable tool for designers, as they help them identify with the actual end-user and visualize their daily lives.

Developing Mobile Apps

In terms of the process of developing a mobile application, the practice of user personas is similar to the concept of the MVP, or Minimum Viable Product comprehensive list of mobile app services. In this practice, a prototype is created and tested, then changes are made. The ultimate goal is to meet the needs of the user. The personas develop a clear picture of the mobile app, as well as its features and functionality.

Building a product roadmap

Before building a product roadmap for your mobile app or payment solution, you should understand your target market. Identifying your target audience is half the battle. The next step is to study your target audience, develop an Ideal Customer Profile and Buyers Personas, and develop customer journey maps to understand their pain points and challenges. All of these steps will help you generate insights about real customers, the solutions you need, and your roadmap.

Your product strategy will benefit from stakeholder inputs. For example, marketing teams and salespeople should provide feedback, as well as identify problems that their customers have. These stakeholders will also help you gather requirements for new features. Once you have an understanding of the customer’s needs, you can focus your product roadmap on features that will solve those problems. By building a product roadmap, you can ensure that your product is on track.


There are several factors that influence scalability when developing mobile apps and payment systems. These factors are largely dependent on the design of the app. Generally, the more scalability you can achieve, the better. Ideally, the code should be easy to read and maintain. Smaller lines of code with fewer repetitive parts will be easier to maintain and scale. Code should also be reusable and not duplicative.

As the number of users increases, the need for scalability also increases. Scalable applications scale well and maintain efficiency even at higher volumes. It must also be designed to avoid bottlenecks during surges in app usage. For example, Withings makes a mobile application for health monitoring. To make the app scalable, the user base needs to want to monitor their health. Ultimately, scalability is important for mobile apps.


Developing mobile apps for payment and credit card processing requires careful consideration of security. A company must protect sensitive information, such as credit card numbers, in their apps. The last four digits of a credit card or Social Security number should only be shown to a third party if the app is needed for the service. Other sensitive information should be masked and protected, and companies must adhere to industry standards and regulations.

As security threats evolve on a daily basis, it is essential to continuously update security measures within your apps. Consider the recent WannaCry and NotPetya ransomware attacks, which encrypt Windows devices and demand a bitcoin ransom to release the files. These attacks spread quickly, and users were left unable to access their files. A security checklist for mobile apps and payment processing is vital.

License fees

When developing mobile applications, the initial development cost should be a minimum of twenty to thirty percent of the app’s total cost. If the app’s budget is less than twenty percent, the remaining costs should be between five and ten percent of the total cost. After the initial development phase, the process includes maintenance, hosting, marketing, and engagement costs. Developers also need to pay license fees for each app they develop.

To determine whether an app developer’s fee will be too expensive for your project, calculate the number of users and platforms your app will reach. For instance, a popular music app such as Spotify has around 207 million monthly users. For a single Android application, the developer would pay Google Play a fee of $25 or so. The Google Play store’s license fee ranges from fifteen to thirty percent of the total cost of the app.

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