FintechMobile AppM-PesaKenya Market

BudgetWise

Comprehensive Financial Management App

Flutter-based financial management application designed for the Kenyan market with bank and M-Pesa integration, budget tracking, and financial insights.

development

•2024

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Value Proposition

Here's how this project creates value and solves real-world problems

🎯The Problem

Millions of Kenyans struggle with personal financial management. Traditional banking apps are complex, don't integrate with M-Pesa (primary payment method) with no budgeting features tailored to local financial behaviors.

💡The Solution

BudgetWise brings comprehensive financial management to everyone's smartphone. Track multiple accounts, create smart budgets, set financial goals, and get insights—all with seamless M-Pesa integration that automatically imports your transactions. We are not replacing banks, neither do we handle your money. We got you you with stats.

🚀Value Created

For Individuals:Better financial decisions through clear spending insights, automated M-Pesa transaction tracking, goal achievement through visual progress tracking

For Families:Collaborative budgeting, bill reminders prevent late fees, multi-currency support for diaspora families

For Small Businesses:Simple expense tracking, cash flow management, integration with mobile money systems

📱Technical Excellence

Built with Flutter for cross-platform consistency, follows clean architecture principles, works offline (crucial for Kenya's connectivity), and uses advanced data visualization for financial insights. The app is optimized for low-end devices while maintaining premium user experience.

Project Impact

Target Market

Kenyan financial market

Integration

Direct M-Pesa connectivity

Architecture

Clean architecture implementation

Functionality

Full offline capability

Key Features

Multiple account management (bank, mobile money, cash)
Transaction tracking with categories
Budget creation and monitoring
Financial reports and analytics
Direct M-Pesa integration
Multi-currency support with conversion
Financial goal tracking
Bill reminders and notifications
Data export in multiple formats
Offline-first functionality
Clean architecture implementation
State management with Riverpod
Data visualization with charts
Secure local data storage

Technology Stack

FlutterDartRiverpodFirebaseM-Pesa Daraja APISQLiteShared PreferencesCharts (fl_chart)Local NotificationsHTTP ClientClean Architecture

Technical Challenges Solved

Implementing M-Pesa Daraja API integration in Flutter

Building offline-first architecture with data synchronization

Creating intuitive financial data visualization

Managing multi-currency calculations and conversions

Optimizing app performance for low-end devices

Ensuring data security and privacy compliance

Architecture

monolithic

Flutter mobile application with clean architecture (Data/Domain/Presentation layers), Firebase backend, and M-Pesa API integration. Offline-first with local SQLite storage.

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