Building an App for the World's First Mobility Fintech Expanding Across Three Continents
3
Continents served
The reach the architecture had to support.
5
Cross-functional teams
Working together on a single product.
$150M
In annual recurring revenue
The scale of the business behind the app.
The client
Moove is the world’s first mobility fintech, an African-born global start-up offering vehicle financing based on revenue, plus financial services, to mobility entrepreneurs.
Its own credit scoring technology is embedded into ride-hailing, e-logistics and last-mile delivery platforms, where performance and revenue analytics underwrite loans for drivers whom financial services had previously left out.
The challengeWhat the teams actually needed
Ride-hailing drivers had no central tool for the banking and business side of their work — WhatsApp and a phone call were the state of the art.
Challenge 01One app for the whole working day
Drivers needed to transact anywhere, send and receive payments, check vehicle details and plans, and follow their own performance KPIs in one place.
Challenge 02Thirteen markets, nine countries
The app had to scale across very different cultural setups, user habits, levels of tech literacy and unreliable internet, with more expansion planned.
Challenge 03Two teams, one product
A digital Wallet was built by a separate team under a Moove PM but formed part of the same app, so Driver and Wallet had to ship together and stay compliant with local financial regulators.
What we did
An Android super-app built to cross borders
Netguru formed an independent product squad inside Moove’s ecosystem, owning the definition of user problems, the design, the approach and the delivery method outright. Agile, Scrum and Lean Startup, across six phases.
Problem before solution
Product discovery used the Double Diamond model alongside the build-measure-learn loop from Lean Startup, while tech discovery settled data sources, dependencies, API communication, architecture, security and infrastructure.
A roadmap with a way to tell if it worked
Product strategy delivered the roadmap, the rollout plan and the metrics that define success.
What a driver actually needs
The MVP covers performance KPIs, plan and vehicle details, payments through the Wallet, earnings and expenditure, profile editing, reconciliation with Moove and a route to customer support.
Beta in Nigeria, then scale
A soft launch put the first version in front of a cohort of Nigerian drivers with remote feedback sessions, followed by a release plan, risk mitigation, dependency maps and performance testing ahead of the traffic.
Tech stackThe tools that made it possible
01
Android
A super-app architecture designed to scale across multiple geographies.
02
JavaScript, Java & Python
The languages behind the software development work.
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What’s next