Digital banking platform for small businesses
Mountalis evolved key financial processes to support accurate reconciliation and better transaction visibility.
Client
A financial technology platform built for small businesses that combines banking, payments, invoicing, business credit in one ecosystem. The product helps owners manage daily financial operations with greater clarity and control.
Challenge
The product required improvements across financial workflows that play a central role in how small businesses manage their finances.
Transaction visibility
Inconsistent transaction visibility across cards and payments made it difficult for business owners to track spending in real time and understand where money was going.
Reconciliation gaps
Gaps between transactions and invoices created additional bookkeeping work, requiring manual corrections that slowed financial operations.
Cross-platform consistency
Differences in behavior between the web and mobile applications led to unpredictable experiences and reduced trust in the product.
Financial data structure
The platform required clearer structuring of financial data so it could be reused reliably for tax features and accountant collaboration without manual corrections.
Solution
- 01
Cards
Strengthened card controls and transaction visibility so spending activity was easier to understand and verify.
- 02
Transactions and Bill Pay
Improved processing and categorization flows to provide more predictable handling of payments transfers and vendor payouts.
- 03
Invoicing
Refined how invoices were created and updated so they remained connected to related transactions even as records changed.
- 04
Accountant Features
Restructured financial data models and summaries to support tax reporting and simplify information sharing with accountants.
Result
Business value translated into measurable results.
- 39%Less time spent reviewing transactions
- 2.2xInvoice processing accelerated
- 47%Bookkeeping discrepancies reduced
- 98%Financial reporting accuracy
Technologies used
Core technologies selected to support the product architecture.
React
TypeScript
Next.js
Swift
Kotlin
Java
Node.js
PostgreSQL
AWS
“I think one of the reasons the engagement worked well was that Mountalis never separated product from engineering. We could discuss the user journey and five minutes later be talking through the architecture. It always felt like everyone was working towards the same outcome.”
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Validation Before Scale
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