Partner with Naga to design, develop, and deliver world-class software that powers business growth.
Kanz Pay is an advanced AI-powered digital wallet system available on Web, iOS, and Android, developed by Naga for a Saudi fintech enterprise. It unites convenience, intelligence, and security into a single seamless platform for sending money, paying bills, issuing invoices, and managing personal or business finances with ease.
The project reflects how Naga, a 16-year-old AI development company offering AI product development services and full-stack IT outsourcing, translates complex fintech visions into market-ready products built for scalability, compliance, and real-world impact.
To meet Saudi Arabia’s rapidly evolving digital-banking expectations, Naga adopted an agile development methodology reinforced by rapid prototyping. Instead of monolithic build cycles, the team worked in short, high-velocity sprints focused on delivering incremental, functional releases.
Early sprints produced core wallet capabilities and onboarding flows. Subsequent iterations added advanced modules such as AI-powered KYC verification, real-time transaction analytics, and global remittance features. Each iteration ended with stakeholder demos, usability testing, and rapid refinements.
This iterative rhythm – build → validate → improve – minimized rework and shortened time-to-market by months. Close collaboration between design, engineering, and compliance teams ensured new functionalities met both user expectations and regulatory standards.
The agile approach turned Kanz Pay from an ambitious idea into a working product faster than any conventional fintech build could, underscoring Naga’s mastery in AI product development services for time-sensitive industries.
Scalability is essential for modern fintech ecosystems. Naga Info Solutions engineered Kanz Pay on a microservices architecture, enabling each functional area, wallet management, KYC, payments, loans, analytics, to operate as an independent, deployable service.
Each microservice leveraged technology best suited to its job:
Python/Flask for AI and ML pipelines.
Node.js for lightweight APIs and real-time communications.
Kubernetes + Docker for container orchestration and auto-scaling.
Deployed on multi-region cloud clusters, the system automatically scales during transaction peaks while maintaining sub-second latency. Enterprise-grade databases and caching layers ensure resilience, fault isolation, and data integrity, vital for financial operations.
This architecture not only enhances performance but makes feature expansion effortless: new modules (for example, Open Banking APIs or Wearable Payments) can be added without disrupting live services. It exemplifies Naga’s capability as both a web development company and a fintech development specialist skilled in building future-proof, distributed systems.
Trust and simplicity drive user adoption in digital finance. Naga built Kanz Pay’s UX and UI from the ground up, tailoring every interaction to the cultural, linguistic, and behavioral nuances of Saudi users.
The design journey began with field research, identifying friction points in existing mobile banking experiences. Insights shaped a minimal yet expressive design language focused on clarity, accessibility, and multilingual ease.
Core UX Highlights
Unified Dashboard: A clean overview of balances, invoices, cards, and spending patterns.
Smart Navigation: Users move intuitively from wallet to transfers to analytics with one tap.
Multilingual Interface: Full Arabic and English support for wider inclusivity.
Responsive Design: Consistent feel across Web, iOS, and Android.
Adaptive Color Cues: Reinforce trust and status at a glance (green for success, amber for pending, red for alerts).
The result is a fluid, elegant experience where complex financial workflows feel effortless. As a leading mobile app development company, Naga Info Solutions delivered an interface that balances sophistication with simplicity, transforming how users interact with digital money.
Artificial intelligence is what elevates Kanz Pay beyond being just a wallet. Naga infused AI across the platform to automate verification, improve decision-making, and deliver personalized insights.
1. AI-Enhanced KYC Onboarding
Advanced OCR and facial-recognition models verify documents in seconds, cross-checking with regulatory databases. This reduces manual review time by over 90% and ensures compliance with Saudi financial guidelines.
2. Smart Transaction Categorization
Machine-learning algorithms analyze spending patterns and auto-label transactions into categories like utilities, travel, or groceries. Users gain instant financial insights without manual tracking.
3. Fraud Detection and Risk Monitoring
Behavioral analytics flag anomalies such as sudden device changes or unusual transfer patterns. The system learns continuously to reduce false positives and enhance fraud prevention.
4. AI-Driven Customer Support
An integrated AI chatbot handles routine queries, transaction status, and account help 24×7. This reduces support load and improves response times for end users.
Together these AI layers transform Kanz Pay into an intelligent digital assistant, secure, adaptive, and always learning to serve users better.
Handling financial data demands uncompromising security. Kanz Pay integrates multi-layered defenses at every level:
Two-Factor Authentication for user access.
Secure Token-Based Sessions with automatic timeouts.
Encrypted Databases and client-side data storage.
Audit Logs, Session Tracking, and Intrusion Detection for transparency and compliance.
Advanced Firewalls and File Integrity Monitoring to prevent unauthorized access.
By embedding intelligent monitoring and real-time alerts, Naga ensured Kanz Pay meets enterprise-grade security benchmarks for regulated financial institutions.
Delivering a project as ambitious as Kanz Pay required a partner who understands both AI innovation and enterprise-scale execution. Naga Info Solutions was that partner, combining deep technical expertise with a proven track record in fintech development, mobile engineering, and AI integration.
1. End-to-End Capability
From concept design to deployment and post-launch support, Naga provided a full-cycle delivery framework, strategy, UX/UI, architecture, AI, and DevOps, reducing coordination overhead for the client.
2. Proven Fintech Experience
With prior successes in banking automation and digital payment platforms, Naga brought domain understanding critical to building secure and compliant financial software.
3. AI and Automation Expertise
As a leading AI development company, Naga seamlessly integrated machine-learning capabilities for KYC, fraud detection, and chatbots, enhancing operational intelligence and customer trust.
4. Scalable Delivery Model
Operating as a hybrid web and mobile app development company, Naga leveraged distributed teams and cloud infrastructure to ensure continuous delivery and 24×7 collaboration with the Saudi client’s product team.
5. Commitment to Partnership
Beyond code, Naga invested in long-term success, aligning technology roadmaps, training client teams, and providing post-launch analytics and optimization.
Kanz Pay stands today as a testament to what a strategic partnership between visionary clients and an execution-driven technology partner can achieve.
Kanz Pay embodies how intelligent technology can reshape financial experiences. Through agile prototyping, microservices architecture, custom UX, and AI innovation, Naga delivered a secure, scalable and smart fintech platform that sets a new standard for digital banking in the Middle East.
For organizations seeking a partner that combines vision, engineering depth and reliability, Naga Info Solutions is the name behind many of today’s most forward-thinking AI and fintech success stories.
1/6. Discovery & Requirements
2/6. Architecture & Design
3/6. Agile Development & Iteration
4/6. Quality Assurance
5/6. Deploy to Production
6/6. Maintenance & Support
1/6. Discovery & Requirements
Every successful software project begins with clarity. At Naga, the Discovery phase ensures we fully understand your organization’s goals, challenges, and vision before writing a single line of code.
Our experts engage with business stakeholders, users, and technical teams to capture detailed functional and non-functional requirements. We identify use cases, map workflows, assess feasibility, and define project scope, milestones, and KPIs. This phase sets the foundation for everything that follows, ensuring alignment between business outcomes and technical execution.
As a trusted software development company, Naga emphasizes strategy as much as engineering. The outcome is a comprehensive Software Requirements Specification (SRS) and implementation roadmap that ensures complete transparency, shared understanding, and predictable delivery. Whether developing enterprise systems or next-gen applications, our approach minimizes rework, maximizes efficiency, and ensures every project begins on solid ground.
2/6. Architecture & Design
Once the requirements are finalized, Naga’s architects and design experts translate business objectives into robust technical blueprints.
We design scalable and secure system architectures, built to handle evolving workloads, integrations, and enterprise-grade reliability. Leveraging modern frameworks, cloud platforms, and design principles like microservices and modularity, Naga creates foundations that are both resilient and adaptable. Our UX and UI teams work in parallel, designing intuitive, user-centered interfaces that align with brand identity and usability goals. Every design decision considers maintainability, interoperability, and long-term cost efficiency.
As a mature application development company, Naga ensures all systems follow best practices in API structuring, data modeling, and DevOps compatibility. By the end of this phase, we deliver a detailed architectural document, wireframes, and prototypes that define how every component interacts, laying the groundwork for a software solution that is as beautiful in form as it is powerful in function.
3/6. Agile Development & Iteration
Naga’s development approach centers on agility, collaboration, and measurable progress. We divide the project into iterative sprints, ensuring rapid delivery of working modules that can be tested, reviewed, and refined continuously. This agile methodology keeps communication transparent, reduces risk, and allows stakeholders to see tangible results early in the cycle.
Our engineers specialize in using the latest frameworks – React, Angular, Node.js, Python, .NET, and Java, ensuring every application is built using secure, scalable, and maintainable code. As a result-oriented software development company, Naga integrates continuous integration (CI) and continuous deployment (CD) pipelines to automate builds and testing.
Regular sprint reviews and retrospectives guarantee continuous improvement and alignment with evolving business needs. Each iteration brings your vision closer to reality, faster, leaner, and with uncompromised quality. The result: software that not only meets expectations but adapts fluidly to changing markets and user demands.
4/6. Quality Assurance
Quality isn’t an afterthought at Naga, it’s embedded into every step of our software development process. Our QA engineers conduct comprehensive testing across functionality, performance, security, and compatibility dimensions to ensure a flawless user experience.
Automated testing tools streamline regression and integration checks, while manual testing ensures business logic and user workflows are validated in real-world scenarios. We apply advanced performance and load testing to guarantee stability even under demanding conditions. Security is prioritized through vulnerability scans and compliance validation for ISO 27001, GDPR, and SOC 2 standards.
As a quality-driven software development company, Naga believes in a “shift-left” testing approach, catching issues early and preventing downstream defects. Every build undergoes multi-stage verification through CI/CD pipelines, minimizing deployment risks and downtime. By the time your application reaches production, it’s optimized, secure, and ready to perform with enterprise-grade reliability.
5/6. Deploy to Production
The transition from staging to production is one of the most critical moments in any project. Naga manages this phase with precision, ensuring smooth, secure, and zero-downtime deployment. We leverage automated CI/CD workflows for versioning, testing, and deployment to maintain speed and reliability.
Our DevOps engineers configure cloud environments, manage containerized deployments with Docker and Kubernetes, and ensure scalability on platforms like AWS, Azure, and Google Cloud. Detailed rollback strategies and monitoring protocols mitigate risk during go-live. As an experienced application development company, we prioritize visibility and documentation, so clients always know what’s deployed, when, and how.
The result is a production environment that is stable, auditable, and fully aligned with your operational standards. Post-deployment validation ensures that every system component functions as expected, enabling a smooth transition from build to business value without disruption.
6/6. Maintenance & Support
At Naga, software delivery doesn’t end at deployment, it evolves into a partnership. Our maintenance and support phase ensures your applications remain optimized, secure, and adaptable long after launch. We provide ongoing monitoring, bug resolution, and system optimization, ensuring peak performance under all conditions.
Our team proactively identifies performance bottlenecks, security vulnerabilities, and scaling opportunities. Version upgrades, dependency management, and infrastructure optimization are all part of our continuous support model. As a reliable software development company, we also offer feature enhancements and UI/UX refinements based on user feedback and analytics insights.
Through service-level agreements (SLAs), we guarantee response times, uptime, and reliability that businesses can depend on. Whether cloud-hosted or on-premise, our proactive approach to maintenance ensures that your software continues to deliver value, stability, and performance, long after it goes live.
Ready to elevate your business? Contact us today with your requirements or book a free consultation to explore the possibilities.
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