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Mobile Banking App Development in Ethiopia

Secure mobile, internet and wallet banking for Ethiopian banks, from the team behind Abay Bank’s app and Dashen Bank’s Amole POS.
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Mobile Banking App Development in Ethiopia

Overview
Benefits
Case Study
FAQ

Your Mobile Banking App Development Company in Ethiopia

360Ground is an Addis Ababa mobile banking app development company that builds mobile and internet banking for Ethiopian banks. We re-engineered Abay Bank’s mobile banking app with biometric login and server-side PIN checks, redesigned Zemen Bank’s app to cut steps for core actions by up to 40%, and engineered Dashen Bank’s Amole POS ecosystem, which has processed over 100 billion ETB across 400+ branches. Our Mobile & Digital Banking Suite covers native iOS and Android apps, internet banking and bank web portals, wallets, back-office tools and core-banking integration, in Amharic and English, delivered and supported under one contract.
Merchant & Agent Banking POS Software – overview

Top Organizations Trust 360Ground

Awash Bank logo
zemen bank Web Design & Development
Amole logo
Ethiopian Securities Exchange
Mastercard Foundation logo
Ethiopian Capital Market Authority logo

Our Offerings

Digital Onboarding & KYC

  • Self-registration with SMS and OTP activation
  • KYC steps and approvals set to your bank's policy

Transfers & Payments

  • Own-account, intra-bank and interbank transfers
  • Scheduled transfers and saved beneficiaries

Bill & Merchant Payments

  • Utility bills, airtime top-up and ticket payments
  • Merchant and fuel-station payments in the app

Cards & Account Management

  • Balances, statements and downloadable receipts
  • Card requests, blocking and service requests

Bank-Grade Security

  • Biometric login, device binding and adaptive OTP
  • Server-side PIN checks, encryption, screen protection

Low-Bandwidth & SMS Fallback

  • Lightweight screens built for slow networks
  • Offline SMS support, as used on Amole POS

Admin & Reporting Back Office

  • Role-based admin portal and customer support tools
  • Real-time dashboards, audit trails and reports

Core & Switch Integration

  • Secure API layer to your core banking system
  • Links to payment switches and wallets you use

Amharic & English UX

  • Amharic and English on every screen and message
  • More local languages, like Amole's five-language UI

Why 360Ground ?

See the suite in action and get a scoped estimate for your bank’s mobile and internet banking, from the team behind Abay Bank’s app.
  • Re-engineered Abay Bank's secure mobile banking app
  • Redesigned Zemen Bank's app: up to 40% fewer steps
  • Amole POS: 100+ billion ETB processed, 400+ branches
  • $1B+ yearly transactions and 5M+ users on our platforms
  • INSA — Accredited for government technology delivery
  • One contract for design, build, integration and support

Case Studies

Every project is a journey, and we measure success by the results our clients achieve. From MVPs that disrupt industries to enterprise solutions that scale globally, these stories show how we transform ideas into market-leading solutions.

Abay Bank Secure and Full-Feature Mobile Banking App

Client

Abay Bank
View Project

Revolutionizing Retail with Dashen Bank’s Amole Mobile POS

Client

Amole logo
View Project

A Modern Brand Identity for Zemen Bank’s Mobile App

Client

zemen bank Web Design & Development
View Project

Meda The Ethiopian Super App for Chat, Banking, and Commerce

Client

View Project

Questions? Answers.

1. How much does it cost to develop a mobile banking app in Ethiopia?

Cost depends on scope more than on the number of screens. The main drivers are the channels you need (iOS, Android, web), the services you launch with, core-banking and switch integration, security testing, languages and the support level after go-live. Because we start from our own Mobile & Digital Banking Suite rather than a blank page, much of the budget goes to configuration, integration and branding. After a short discovery session we give a fixed-scope estimate, split into a launch release and later phases.
It depends on whether you need a redesign, a rebuild of an existing app or a new launch, and on how quickly your core-banking interfaces and test environments are ready. We work in phases: discovery and UX, build and integration, security testing, then a pilot before store release. Launching a focused first release and adding services in later sprints puts the app in customers’ hands sooner. We confirm a dated plan once we have reviewed your core system and approval steps.
360Ground re-engineered Abay Bank’s mobile banking app. The work included a full UI/UX overhaul in Amharic and English, biometric login with fingerprint and Face ID, transfer PIN validation moved to the back end, screenshot and screen-recording blocking, and OTP checks only when needed, such as on a first login or a new device. We also fixed stability issues and built a Fuel Sales & Station Management System with apps for attendants and customers. The full story is in our Abay Bank case study.
Yes. Integration is part of every project. We build a secure API and middleware layer between the app and your core banking system, so the app never talks to the core directly. The same layer connects to the national payment switch, card systems, SMS and OTP gateways and wallets through the interfaces your bank already uses or is authorised to use. We document every interface and test it end to end with your IT team before go-live.
The licence and regulatory approval sit with the bank, and National Bank of Ethiopia directives set the rules for mobile banking, payment instruments, customer protection and risk management. In practice that means strong customer authentication, transaction limits, full audit trails, secure data handling and incident reporting. Customer data is also covered by the Personal Data Protection Proclamation No. 1321/2024. We build these controls into the app and back office and give your compliance team the documentation it needs.
Security is designed in from the start, not added at the end. Our builds use biometric login, device binding with OTP on new devices, and server-side checks for sensitive steps such as PIN validation, so they cannot be bypassed on the phone. Traffic is encrypted, screenshots and screen recording are blocked, and every action is logged for audit. We support your bank’s penetration testing and fix every finding before the app is released to customers.
With 360Ground you get the strengths of both. Our Mobile & Digital Banking Suite is a product we own and extend, so proven parts such as login, transfers, payments, security and the admin portal are ready from day one. We then brand, configure and extend it around your products, core system and customer journeys. This is faster and lower-risk than a build from scratch, and it gives you more control over features and roadmap than a generic white-label app.
Yes. We respond to requests for proposals and expressions of interest from Ethiopian banks, microfinance institutions and newly licensed banks. Our submissions cover mobile apps, internet banking and web portals, core-banking integration, security approach, delivery plan, team and support model. References include Abay Bank’s mobile app, Zemen Bank’s app redesign, Dashen Bank’s Amole POS and Awash Bank’s website. Send us your tender document and we will confirm fit and the submission timeline.

Book a Mobile Banking Demo

See the suite in action and get a scoped estimate for your bank’s mobile and internet banking, from the team behind Abay Bank’s app.
Contact us
Top Ethiopian software company portfolio – 360Ground