Hire Krootl — an application development agency

Your Personal Finance Management System

Revenue Cat
Digital Ocean
Digital Ocean Droplet

Budget Managing Multibank Application

A smart way to manage finances effectively
The iBilly mobile and web apps offer a comprehensive range of features that empower users to take control of their finances. With the ability to track expenses, manage budgets, and stay on top of financial matters, iBilly is an essential tool for anyone seeking to maintain a healthy financial lifestyle.

idea and goals

Core idea behind iBilly is easy connection with any EU bank account no matter where you are, a friendly personal financial management tool that people could trust to help them achieve their financial targets. 

During the discovery workshop with the client we’ve identified key project goals.
Quick delivery to the entire EU market, product localization for 18 languages  
Robust security measures to protect users' private and financial data
Focus on consistent functionality across iOS and Android platforms
Depersonalized user behavior tracking for marketing purposes 
Custom UI development developed from scratch for a seamless user experience
Long-term support and accommodation of future feature development

Features Overview

Open Banking Integration
iBilly connects users to over 15,000 financial institutions through Klarna Kosma's Open Banking API
Transaction Management
The app synchronizes and categorizes users' bank transactions using Kosma's API
Financial Insights
iBilly generates intelligent insights into users' present and future financial well-being
Intelligent search
Functionality to efficiently navigate financial data
Cloud-based storage
Cloud-based storage for the effortless organization of receipts, guarantee cards, and other financial documents

Development Challenges

Ensuring Up-to-Date Financial Data
iBilly's features heavily rely on transaction history, and any new or modified transaction can invalidate related data like budgets and financial goals.
To track this, we crafted reactive iBilly software that always displays real-time financial information.
Developing Extensive User Interface
With over 130 pages, menus, and pop-ups, creating the UI for iBilly was a significant challenge.
Leveraging the Flutter framework allowed us to build a flexible UI Kit and reuse components, saving valuable time and effort.
Supporting Multiple Locales
iBilly supports over 20 locales, requiring robust localization capabilities.
By utilizing the Crowdin platform and built-in Flutter features, we localized not only text content but also time, currency formats, and even image and video content.
Device Compatibility
We aim to support a wide range of customer devices.
Thanks to Flutter, iBilly mobile apps run on iOS 12.0 and Android 5.0, covering approximately 99.5% of active mobile devices. Additionally, iBilly Navigator, a progressive web app, functions smoothly on modern web browsers.


Ensuring Up-to-Date Financial Data
Developing Extensive User Interface
Supporting Multiple Locales
Device Compatibility
Ready to Build Your Own Finance Management System?
Let's Make It Happen! 
let's talk
Ready to Build Your Own Finance Management System?
Let's Make It Happen! 
let's talk

Security Measures

We consider ourselves fortunate to have such an amazing community that consistently provides us with valuable feedback to enhance iBilly as a product.
Data Encryption: All stored data and cache is encrypted to ensure data security.
Secure Communication: Communication with the backend is conducted via secure HTTPS connection.
2FA Authentication: A two-factor authentication process is implemented for secure app access.
Biometric Security: Leveraging biometric solutions like Face ID and Touch ID for for enhanced user experience and protection.


With more than 15,000 banks on board, 18 languages support, web and mobile presence iBilly is a challenging project to build. Careful planning and decomposition allowed us to release it on time and within the initially estimated budget. We used Flutter as a backbone of our technological solution, time showed that this was the right choice. 
Looking ahead, it is clear that the absence of iBilly in the MacOS and Windows App Stores leaves a noticeable void that we will fulfill thanks to Flutter’s multi-platform capabilities.