A customer app with fingerprint and face sign-in, safe payment approval and the rest of Finlake, loans, cards and account upgrades, built in.
Mobile is where your customers expect to bank, and where security matters most. Finlake Mobile Banking gives customers a fast, modern app, and protects it with biometrics, passcode fallback and step-up checks that scale with risk. Everything runs on the same Finlake services as your other channels, so customers see consistent data wherever they bank.
Fingerprint or face, with passcode always available as a fallback.
Biometrics for everyday actions and OTP step-up where the risk is higher.
Onboarding, loans and cards live alongside everyday banking.
16 features. Read the bold line for the summary, or the rest for the detail.
After a customer signs in with their passcode, the app offers to enable fingerprint or face sign-in.
Customers discover the convenience at the moment it is most useful, which drives adoption without a campaign.
Customers who skip the offer can turn biometrics on later from security settings.
The option is always there when they are ready.
Before a biometric is registered on a device, the customer confirms their passcode.
This makes sure a stranger holding an unlocked phone cannot quietly register their own fingerprint.
If a device does not support biometrics, or the customer declines, the app explains the situation clearly and keeps the passcode path fully working.
Nobody is blocked from banking because of their phone or their preference.
Customers sign in with a fingerprint or a face scan, and can switch to their passcode at any point.
Everyday access is quick, and a wet finger or a new phone never locks anyone out.
When biometric attempts fail repeatedly, the app handles it safely, including lockout, and guides the customer back in through their passcode.
Protection against guessing does not turn into a support ticket.
If a fingerprint or face is added or removed on the device, the registration is invalidated, and the customer re-enables biometrics deliberately.
It closes a well-known gap, where someone with access to the phone adds their own biometric, and protects the customer's money.
When a customer moves to a new phone, they re-enable biometrics on it through a safe, defined path.
Switching devices is easy, and the old registration does not carry over by accident.
Customers approve payments with a biometric instead of typing a PIN each time, and can fall back to their PIN whenever they want.
Paying feels instant, and the PIN remains a dependable backup.
For payments above the biometric limit, or to a new beneficiary, the app asks for an additional one-time passcode.
Low-risk payments stay quick, and higher-risk payments get an extra layer of protection.
Customers can turn biometrics off whenever they choose, and return to passcode-only access.
Control stays with the customer.
Customers can see every device where biometrics is enabled, with the date each was enabled, and remove access for any device.
If a phone is lost or sold, the customer can cut off its access immediately.
Every change to biometric access triggers a notification to the customer and an entry in their activity log.
Customers see unexpected changes quickly, and your team has a trail to follow if something goes wrong.
New customers sign up in the app into a Tier 0 account and upgrade to Tier 1 after BVN and NIN verification, with limits and Post No Debit handled automatically.
Onboarding and everyday banking live in one app.
Customers see their limit, apply, sign the agreement, repay and raise complaints without leaving the app.
Lending sits next to the account it serves.
Customers request, fund and control virtual and physical cards from the same app, including lock, unlock, block and PIN change.
Card management moves from the contact centre to the customer's pocket.
Tell us what you want to launch. We will show you the Finlake modules and APIs that get you there.
