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Shane Kelly

I am an enthusiastic and hard-working individual who has a keen interest in working with both native and hybrid mobile frameworks. I also enjoy working with backend technologies for developing full-stack solutions for both personal and client projects alike. I am both friendly and productive when working on development teams to accomplish a common task. I enjoy working with different code bases which is a great motivator for me, and always aim to challenge myself on the tough tasks ahead.

Bankify introduces users to a new experience in money management and financial data through the use of Open Banking and the recently adopted directives. With these new regulations, users have the ability to connect their banking institutions to 3rd-party providers.

A hybrid-framework, Flutter, was adopted as the frontend technology for developing the application natively for both the IOS and Android platforms.

As part of the authentication process, users have the ability to register and sign in, through a custom-developed backend architecture comprised of several technologies and frameworks including Node, Express and MongoDB with the cloud deployment model being AWS Amplify with Lambda integration as part of a serverless framework environment.

With the ability to link multiple financial institutions to the application, users are provided with a regulated-flow for authenticating with their banking provider. The chosen financial service for providing the application with transferable financial user data, was a technological platform called 'Plaid'. Once a user chooses to link their account with Bankify, Plaid services and a separate custom-backend application are used as a middle-man for communicating sensitive credentials between Plaid's servers and the client-side application.

Once users have linked their financial institutions, several asynchronous network operations are conducted in order to retrieve account balances, recent transactions and more from Plaid.

Users are provided with a component-like UI, which takes advantage of breaking different sections of the application into a navigational tab and sub-tab layout, to create a simplified and satisfactory user experience.

Users have the ability to view and search through a breakdown of their separate financial accounts within their banking institution. This provides users with a neatly-formatted list of their account types, account names and balances, all into one section.

If a user wishes, they can click into an individual account to view further in-detail information.

Another core feature of Bankify, is the 'transactions' section which allows users to view all their banking transactions from within their linked account. This enables users to filter through the list of payments made against multiple constraints such as date, time, amount and more.

If a user wishes to link multiple accounts to the application, they can navigate to the 'linked' tab in order to authenticate again with another financial institution. Once linked, the application will display each institution that the user currently has attached to the application.

A profile section has also been integrated which retrieves user-provided information about their Bankify account. Users have the ability to logout if they wish or manage their notifications, which is currently a feature under development using Firebase!

Bankify - Open Banking Made Easy.

Bankify is an Open Banking solution which enables users to connect their pre-existing bank accounts to the application in order to gather rich financial data and aid in improving money expenditure. Bankify uses an ‘under one umbrella’ architectural scheme for managing a multitude of accounts under one platform, providing the user with various techniques to view and manage their finances.

An Insight Into Open Banking & Security.

A literature review was conducted on Open Banking, its' risks and opportunities and the security associated with it. The paper dives into the formulation and introduction of Open Banking, PSD2 open-standards and the public and political view of the technology as a whole. The paper also looks at how the inner working of the technology are adopted from the perspectives of both physical banking institutions and fintech companies which have taken the first leap into innovating and building upon the foundations.

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