Papaya’s AI-Powered
breakthrough in modernizing
the US Payment System
Founded in 2016, Papaya set out to simplify the highly manual US bill payment process. In partnership with Luby, the fintech developed an innovative mobile app that uses AI and computer vision to streamline payments, reduce bureaucracy, and improve the user experience. This transformative approach attracted significant investor interest, driving Papaya’s growth and increasing its valuation.
To expand its reach in the US market, Papaya partnered with Luby to develop a native Android app for nearly half of American consumers. Initially developed in Java and later upgraded to Kotlin, the app used computer vision to automate invoice data capture and seamless online payments. Agile methods enabled the team to improve usability, refine functionality, and align the product with market needs.
Our payment integration experts have worked with Papaya to implement Plaid, a third-party integration solution.
Plaid enables applications to securely connect to users’ bank accounts for efficient payments, transfers, and transactions. Our expertise enabled us to integrate these features quickly, ensuring a seamless user experience.
As Papaya matured, it built an internal team to drive product development. However, to maintain its applications, Papaya continued to rely on Luby’s finance outsourcing services.
We assembled a multi-disciplinary team to provide strategic support and ensure application maintenance. The team consisted of:
– Android developers
– iOS developer
– Product Owner (PO)
– Quality Assurance (QA) Specialist
Our in-depth understanding of Papaya’s market and products enabled us to deliver fast and reliable services. In addition, we implemented automated testing to speed up updates and bug fixes, significantly improving workflow efficiency.
downloads of the Android app
in the App Store
payments processed
increase in Papaya's valuation
We’re the software development consultancy
that will be a game-changer
in your growth.