This thesis presents the development of a mobile application for personal finance tracking, focusing on connecting bank accounts, viewing financial transactions and enabling money transfers. The main problem addressed is the lack of a simple, user-friendly and secure way for individuals to manage finances across several institutions. The aim of the project was to create a solution that offers better control over finances through the use of modern technologies and the concept of open banking. The application was built using React Native and integrates Plaid for bank connectivity, Stripe for SEPA and ACH payments, and Appwrite for backend services.
The research is based on methods of legal framework analysis, planning of system architecture and the practical implementation of the application, including the integration of third-party APIs. The evaluation also focused on compliance with national and EU regulations, especially regarding data security and privacy.
The results show that such a solution can be successfully integrated into a broader ecosystem, providing secure access to financial data and a flexible range of functions. Compliance with PSD2, GDPR and other relevant legislation has been demonstrated, ensuring that the system is both secure and legally aligned.
The main contribution of the thesis is a concrete and production-ready FinTech solution that combines security, usability, scalability and transparency. The application has potential value not only for individual users but also for public sector use, for example in the distribution of social benefits, financial education and improved financial literacy.
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