Dinarak is a mobile wallet that simplifies financial tasks — from CliQ transfers and bill payments to QR transactions and secure eKYC onboarding. Reimagined by FikraTech, the app combines convenience, compliance, and security.
Project Overview
Dinarak is a licensed mobile wallet and payment app regulated by the Central Bank of Jordan, offering a wide range of financial services to both banked and unbanked users. FikraTech was tasked with revamping the Dinarak app to offer a more secure, user-centric, and scalable mobile experience. The updated app provides seamless digital payments, peer-to-peer transfers, eFawateercom integration, and international remittances—all from a sleek, intuitive interface.
Dinarak
E-Wallet
9 Months
2025
Before the redesign, the legacy version of the Dinarak app faced the following challenges:
- Outdated UI
- Poor Feature Discoverability
- Onboarding Friction
- Performance Issues
- Inconsistent Design Language
- Security Gaps
- Outdated legacy infrastructure
- Designing for diverse user groups
- Strict regulatory compliance
- Bilingual and RTL support
- Optimizing for low-end devices
- Simplifying complex service flows
- Testing across fragmented devices
- Maintaining uptime during migration
- ✅ Revamping the UI/UX to reflect contemporary FinTech design trends while honoring local user habits and cultural nuances
- ✅ Redesigning the navigation and service layout for quicker, more intuitive access to essential features such as transfers, bill payments, and remittances
- ✅ Improving performance by fine-tuning backend API interactions and minimizing frontend load times for a seamless user experience
- ✅ Strengthening security through the introduction of biometric login options (Face ID/Fingerprint), OTP verification, and encrypted data transmission
- ✅ Broadening the feature set to incorporate merchant payments, charitable contributions, and dynamic QR code scanning functionalities
- ✅ Guaranteeing complete adherence to the regulatory standards set by the Central Bank of Jordan and JoMoPay's operational and security guidelines
- ✅ Introducing personalized notifications and alerts to keep users informed about important account activities
Project Timeline
Core Features
Users can verify their identity quickly through ID scanning, selfie capture, and real-time validation — all within the app. This streamlined, paperless process enables fast onboarding while ensuring compliance with JoMoPay and Central Bank of Jordan regulations.
The new home screen offers a personalized dashboard with wallet balance, quick actions, and categorized services. It enables users to complete key tasks like transfers and payments in just a few taps, improving both accessibility and engagement.
Users can send and receive money instantly using CliQ, Jordan's national instant payment system. Transfers are fast, secure, and available 24/7 using mobile numbers, IBANs, or aliases — no need to remember lengthy account details.
Integrated with the national eFAWATEERcom system, the app allows users to pay utility bills, telecom charges, government fees, and more. Payments are processed in real-time, with instant confirmations and saved billers for faster future transactions.
Send money abroad securely with just a few taps. Dinarak enables fast, affordable international transfers with real-time status updates, transparent fees, and currency conversion — making cross-border payments simple, reliable, and compliant with financial regulations.
Pay at stores quickly using QR code scanning or manual merchant ID entry. Dinarak supports secure, real-time payments at partner merchants, offering users a cashless, contactless experience that's fast, convenient, and fully integrated with their wallet balance.
Enables real-time management of currency exchange operations with dynamic rate control, multi-currency support, and instant profit/loss calculation. The system supports both cash and electronic transactions and logs each exchange with customer and staff audit trails.
Users can repay microloans directly through the app using their wallet balance. With automated reminders, real-time balance updates, and flexible installment options, Dinarak simplifies loan management while ensuring secure, on-time payments within a fully digital environment
Project Outcomes
The redesigned interface features a vibrant color palette, smooth micro-interactions, and clean typography. It aligns with global FinTech UI standards while incorporating local cultural cues, resulting in a user experience that feels modern, trusted, and familiar to Jordanian users.
Intuitive navigation, smart service grouping, and a powerful search tool reduced the time needed to complete core actions — like transfers or bill payments — by over 3x, helping users get things done with fewer taps and minimal friction.
A streamlined onboarding process with easy eKYC, biometric login, and guided account setup helped cut early user drop-off by 40% in the first week. Clear progress indicators and minimal data entry significantly boosted engagement and completion rates.
The app fully complies with Central Bank of Jordan and JoMoPay regulations, incorporating encrypted data flows, multi-factor authentication, and explicit user consent mechanisms. These standards ensure secure transactions and user trust while supporting future audit and policy requirements.
From Our Partners
The major benefit of FikraTech is that they do not only think like developers, but also like business owners and entrepreneurs. We benefited from their experience of building and operating digital products.