Not only super talented, they are also a fun group of people to work with as well. They helped us with ideation, implementation, support and beyond.
Digitized Everyday Transactions with STC Pay’s Mobile Wallet
STC Pay Bahrain, a subsidiary of Saudi Telecom Company Group, is a licensed digital wallet provider regulated by the Central Bank of Bahrain. The platform enables secure money transfers, payments, and financial transactions, supporting the country’s shift towards a cashless economy. As part of its expansion strategy, STC Pay sought to enhance its digital wallet platform by incorporating advanced features.
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$50M+
in total transaction volume processed
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12%
growth in user base
Mobile Application Development
Digital Transformation
Digital Transformation
Maintenance and Support
Maintenance and Support
DevOps
DevOps
Mobile Application Development
“Collaborating with team Code District was a great experience. They brought deep technical expertise and a problem-solving mindset to the development of our digital wallet platform. Their ability to integrate complex financial services while ensuring security and usability made a significant impact.”
Testimonial_
AbdulRahman Rashid
Head Of IT, STCPay Bahrain
The Challenges_
The Challenges
As STC Pay expanded its offerings, it encountered several technical and operational challenges that needed to be addressed to ensure scalability, security, and regulatory compliance.
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STC Pay needed to integrate with multiple financial institutions, banks, and telecom operators to support seamless fund transfers, bill payments, and mobile top-ups. The challenge was ensuring secure, real-time transactions across different financial networks while maintaining a consistent user experience. The system had to support peer-to-peer transfers, international remittance services, and payments to telecom companies, requiring robust API integrations.
Solution _
Solution
To overcome these challenges, we designed and developed a highly secure, scalable, and feature-rich digital wallet platform, providing STC Pay with advanced financial integrations, enhanced security, and an optimized user experience.
Get the full case study
[1]
Scalable Digital Wallet System
We developed native mobile applications for Android and iOS to provide a fast, reliable, and intuitive user experience. Alongside, we built a secure and scalable web-based application using ASP.Net with .NET Framework 4.8, designed to handle high transaction volumes and support future feature expansion. The architecture ensures smooth integration with external services, robust performance under load, and flexibility for ongoing growth.
[2]
Multi-Service Financial Integrations
The platform was integrated with Khaleeji Commercial Bank Bahrain to facilitate secure bank transfers and IBAN issuance after completing the KYC process. Peer-to-peer transactions enabled instant transfers between STC Pay users, while Fawri and Fawri+ integrations allowed customers to send money using a mobile number or IBAN. For international transfers, the platform connected with Transfast and Hello Paisa, providing users with the best foreign exchange (Fx) rates for over 40 countries.
[3]
Security and Compliance Enhancements
To meet financial security standards, we implemented end-to-end encryption, real-time fraud detection, and multi-factor authentication (MFA) for secure user verification. The KYC process was automated through integration with Benefit, Bahrain’s financial compliance authority, ensuring identity verification and risk mitigation. Additionally, role-based access controls and transaction monitoring helped prevent unauthorized access and suspicious activities.
[4]
Optimized User Experience and Transaction Efficiency
A mobile-first UI/UX design was introduced to ensure seamless navigation and transaction processing. Users could send money, pay bills, and top up mobile accounts with just a few taps. Push notifications and instant transaction tracking provided transparency and security while ensuring a smooth payment experience. The system also introduced a marketplace module for purchasing digital gift cards and international mobile top-ups, integrated with Ding and Mintroute.
[5]
Advanced Admin Panel and Monitoring
A comprehensive web-based admin panel was developed to monitor transactions, manage customer accounts, and configure service charges. This internal system allowed different user roles, such as admins, customer care representatives, and compliance officers, to track transactions, set fee margins, configure Fx rates, and monitor fraudulent activity in real time.
[6]
Wage Protection System (WPS) for Payroll Management
One of the key modules developed was the Wage Protection System (WPS), designed for employee salary management. Employers could register their companies, add employees, process payroll, and manage bonuses and incentives through an intuitive portal. This system ensured regulatory compliance, financial transparency, and efficient payroll distribution across various organizations.
[7]
Development of Remittance Module
To further enhance its financial offerings, STC Pay expanded its remittance services. We developed a secure, scalable cross-border money transfer system that ensures secure international fund transfers with real-time exchange rate tracking, anti-money laundering (AML) compliance to detect and prevent illegal transactions, and seamless integration with international banking networks for enhanced coverage
The Results
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11%
increase in in-app transactions
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12%
growth in user base
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26%
increase in customer satisfaction
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$50M+
in total transaction volume processed
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$10M+
in international remittances
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2.5x
faster transaction processing speed
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2x
faster KYC verification process
Words from our customers
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Dependable and Reliable. I have total confidence that whatever we're working on - you guys (team Code District) will be able to pull it off very smoothly.
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Dependable and Reliable. I have total confidence that whatever we're working on - team Code District will be able to pull it off very smoothly.
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One of the things that I really appreciate about Code District is that they work with you front stage in discovery sessions to help understand your needs and your requirements.
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Code District's agility and ability to respond quickly to our requests are among their biggest strengths. They delivered what they committed.
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They followed through on every single thing that they said they would, which made our working experience all the more seamless.
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The team at CD epitomizes thoroughness and critical thinking in everything that they do which ultimately reflects in the work they do.
Technology Stack
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Tell us what you're working on. We'll tell you what's possible straight, no fluff.
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Sales and General Inquiriessales@codedistrict.com
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+1 (703) 940-1971Call us
We were live and our platform was having difficulty supporting a simultaneous number of users. They saved the day with their solid grip on architecture level solutions.
Patrick McGuire
Director IT
Recognitions & Credentials _
