Integrating Bill Payment Solutions Into a Banking App
The bank aimed to enable real-time payments, seamless API integration, and access to a wide biller network - improving efficiency, security, and customer experience in one streamlined digital journey.
Outcomes
35%
Payment Completion Rate Increase
50%
Faster Reconciliation
20%
Customer Satisfaction Boosted
0%
Production Data Exposed
Technology Vendors Suited to Evaluation
Business Problem
The bank’s legacy payment infrastructure couldn’t support the growing demand for seamless, real-time bill payments. Customers expected instant confirmation and a unified experience across all billers, but outdated systems caused delays, errors, and manual reconciliation.
The bank needed a modern, API-driven solution to improve reliability, visibility, and customer satisfaction.
Challenges
- Legacy Infrastructure Limitations: Existing systems did not support real-time or recurring bill payments across all biller categories..
- User Frustration: Payment delays, unclear statuses, and inconsistent UI/UX led to customer complaints and app churn.
- Manual Reconciliation: Payment breakages required operational effort to track, confirm, and adjust bill statuses.
From Idea to Evidence with NayaOne
The bank validated advanced bill payment solutions inside NayaOne’s secure sandbox, replicating real-world transaction flows without touching live systems.
- Simulated Payment Workflows: Enabled secure testing of bill payment APIs using synthetic account and transaction data.
- Vendor Agility: Facilitated side-by-side evaluation of multiple bill payment vendors without impacting production systems.
- API Integration Testing: Assessed payment initiation, status updates, and notification accuracy through vendor REST APIs.
- Real-Time Monitoring: Measured webhook responsiveness and alert latency to ensure smooth, transparent user experiences.
- User Journey Simulation: Ran end-to-end payment flows within a mock mobile banking app to evaluate UX, reliability, and support performance.
By combining simulated payments, real-time monitoring, and controlled vendor testing, the bank gained hard evidence of which solution could deliver faster, more reliable digital bill payments at scale.
Impact Metrics
PoC Timeline Reduction
4 weeks with NayaOne vs 12 – 18 months traditionally
Time Saved in Vendor Evaluation
1+ year
Decision Quality
The bank gained hard evidence on detection accuracy, speed, and integration fit - enabling a data-driven vendor choice and faster approval across risk and procurement.
KPIs
- Payment Success Rate (%): Percentage of transactions processed successfully across vendors.
- Average Payment Latency (seconds): Time from payment initiation to confirmation.
- Error Rate (%): Frequency of failed or delayed transactions during testing.
- API Response Time (ms): Average latency of payment initiation and status update endpoints.
- Webhook Reliability (%): Accuracy and timeliness of real-time alerts and notifications.
- User Satisfaction Score: Measured through simulated user testing and post-journey feedback.
- Time to Reconcile (minutes): Average time required to detect and resolve payment discrepancies.
- Integration Effort (days): Time taken to connect and validate each vendor’s API within the sandbox
Validate Real-Time Payment Solutions Before Deployment
Use NayaOne’s secure sandbox to test bill payment APIs, simulate real-world transactions, and benchmark vendors on speed, reliability, and user experience – all before integrating into production.
