Banka - Banking | Wallet React Native CLI App Template is a fully-featured mobile app template designed for building modern banking and wallet applications. The template leverages React Native to create cross-platform applications for iOS and Android with a single codebase. It is ideal for financial services, digital wallets, banking apps, or personal finance management apps. This template provides a clean, responsive, and secure interface for managing finances, transactions, and account balances.

Key Features

1. User Authentication

• Sign Up / Login: Users can securely sign up and log in using their email/password, phone number (OTP), or social media logins (e.g., Google, Facebook).
• Two-Factor Authentication (2FA): Enhances security by requiring users to confirm their identity with a second factor (e.g., via SMS or email).
• Password Recovery: Provides an option for users to reset their passwords via email or SMS.

2. Dashboard and Account Overview

• Account Summary: Display a summary of the user’s bank account or wallet balance, including recent transactions and the available balance.
• Balance History: Visual representation of balance changes over time, enabling users to track their spending and income.
• Multiple Accounts Support: Users can link and manage multiple accounts, whether they are bank accounts, digital wallets, or credit cards.

3. Transaction Management

• Send/Receive Money: Users can send and receive money within the app to and from other users or bank accounts.
• Transaction History: A detailed list of all transactions, including date, amount, recipient, and status (completed, pending, failed).
• Transaction Categories: Classify transactions by categories such as income, expenses, loans, transfers, etc.
• Real-Time Notifications: Send push notifications for successful transactions, transfers, account debits, credits, or fraud alerts.

4. Bill Payments

• Pay Bills: Users can easily pay utility bills, such as electricity, water, gas, internet, and more, directly from the app.
• Bill History: Track all bills that have been paid and their due dates.

5. Top-Up and Recharge

• Mobile Recharge: Users can recharge their mobile phones, internet packages, or prepaid services directly through the app.
• Voucher Support: Add support for digital voucher purchases (e.g., for games, music, or other services).

6. Security and Privacy

• Face ID / Fingerprint Authentication: Enable biometric authentication for quick and secure login, including Face ID for iOS devices and fingerprint recognition for Android devices.
• Encryption: All sensitive data, including transaction details, account numbers, and personal information, are encrypted to ensure privacy and security.
• Session Timeout: Automatically log out users after a period of inactivity for enhanced security.

7. Balance and Currency Management

• Multi-Currency Support: Users can manage and view balances in different currencies, making it ideal for international users.
• Currency Converter: Integrate real-time currency exchange rates to allow users to convert currencies seamlessly within the app.

8. Loans and Credit Management

• Loan Application: Allow users to apply for personal loans, credit cards, or micro-loans within the app.
• Loan Repayment: Users can easily track their loan balance, make repayments, and view loan schedules.
• Credit Score Tracking: Users can check their credit score and receive tips on improving their score.

9. Money Transfer

• Transfer Between Users: Users can transfer money to other users or external bank accounts.
• Scheduled Transfers: Allow users to schedule transfers for future dates (e.g., for paying bills or regular subscriptions).
• Transfer History: Keep a record of all transfers, including pending, completed, and failed transfers.

10. Budgeting and Personal Finance Tools

• Expense Tracker: Track and categorize expenses, allowing users to set monthly budget limits and monitor their spending habits.
• Financial Reports: Generate financial reports that summarize income, expenses, and savings over time, helping users make informed financial decisions.
• Savings Goals: Users can set specific savings goals (e.g., for an emergency fund or a large purchase) and track progress.