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What Are Some Useful Fintech Applications For Small Businesses?

Modern times have seen the influx of digitalization and NBFCs and banks alike are scrambling their way to adopting modern technology to retain their profit margins and competitive business edge. India’s Digibank or the Kazakh B1NK offer purely digital services and are yet able to give the others a run for their monies.

Blockchain technology and fintech startups have lowered the revenue from traditional banking fees and ease of banking. Thanks to the innovative apps, many mobile-based and usable on the move, banking is slowly transforming into a very competitive field. New-age banking, boutique banks, and Fintech courses are such moves to personalize banking services.

Fintech courses teach you about app-building technologies, programming languages and integration of web, desktop or mobile platforms. Since these technologies are relatively new and have been developed just a decade or so ago there is no dearth of training institutes like the reputed Imarticus Learning to hone your skills. These do a great job of providing trained personnel for these skill-based and in-demand professions while even encouraging startups and entrepreneurship.

Let’s explore very briefly some of the many fintech apps in their respective segments that have revolutionized their niche sectors.

Apps for processing of payments:

The global leader is Paypal where the mobile app clients can use their phones for fund transfers to any global Paypal account using the recipient’s email address or mobile phone number. Due.com  is specifically for small businesses and comes with invoicing services, encrypted safe transactions, digital wallet, and fast operations. iZettle another fintech innovation in apps allow payments through credit cards and wallets from smartphones and can even issue online receipts for them. Mobikwik which is also popular is a user-friendly digital wallet to pay bills, recharges, insurance premiums etc straight from the bank accounts.

Apps for personal loans:

LendUp is a select US areas mobile app for 24/7 short-term personal and instant loans with both mobile and web versions. The users earn points for being active and these are redeemable as an instant loan on the app. Sofi another web app provides wider service with mortgages, personal loans, refinancing loans, student loans, free investments, and online financial products with rates being based on the user profile.

Investment apps:

In wealth management apps like Wealthfront and Betterment are playing the digital financial advisor on the web and mobiles both Android and iOS. You can access various account types linked to specific goals like Fintech courses, retirement, college funds or financial planning, portfolio management and other tax harvesting plans.

Cryptos related apps:

Digitalization and the need for secure and private immutable financial transactions have given way to cryptocurrencies by exploiting the blockchain technology. Bitcoin Checker is a free Android app with real-time prices of all global cryptocurrencies on exchanges like McxNOW, Gdax, Kraken, Gemini, OKCoin, and many others. The Blockchain Bitcoin Wallet leads in popularity and uses a QR scanner to facilitate iOS smartphones and iPhone camera app users to easily send, buy or trade-in bitcoins.

Coinbase’s free Android app or Bitcoin Wallet is very useful in trading, storing, selling or buying of various cryptos like ethereum, bitcoins, litecoins, dash, monero and more. It also provides secure operations, cryptocurrency management and as a Paypal transaction enabler on-the-go.

Customer-friendly mobile banking apps:

Mobile banking apps are a rage and many fintech startups have used this niche to help banks adopt progressive cutting-edge technologies to ensure the best customer service by making their banking operations secure, personalized and effortless.

Citibank’s Citi Mobile is an Android and iOS mobile app that is very popular since it provides the FICO score, allows TouchID access to user accounts, allows for an account glance sans signing in, activation of cards, providing snapshots of Citi Mobile and more. Similarly, JPMorgan Chase’s Chase Mobile and mobile apps of Bank of America and Wells Fargo all personalize their application for optimum use of their customers.

Parting notes:

The applications of fintech which is relatively new are many and can cater to the entire gamut of enterprises small, big, startups and every size in between across literally every sector an app designer could dream of. If you want to keep abreast of the latest technologies and learn more about the blockchain technology then try the Imarticus Learning Fintech courses. They can help make you career-ready and adept at the requisite fintech skills. Why wait?

For more details in brief and further career counseling, you can also contact us through the Live Chat Support system or can even visit one of our training centers based in - Mumbai, Thane, Pune, Chennai, Banglore, Hyderabad, Delhi, Gurgaon, and Ahmedabad.

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About Imarticus
Imarticus Learning is India’s leading professional education institute that offers training in Financial Services, Data Analytics & Technology. We’ve successfully transformed careers of over 35,000+ individuals globally through our Certification, Prodegree, and Post Graduate programs offered in association with leading and renowned global organisations in the Financial Services, Data Analytics & Technology domain.
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