About the Customer

MoMo PSB (Payment Service Bank) is a mobile-first financial platform operating across Nigeria. It offers accessible, no-data-charge banking services like P2P transfers, airtime purchases, bill payments, and more. Aimed at both MoMo users and the unbanked population, the app is designed to provide fast, secure, and inclusive financial access at scale.

The Opportunity

As MoMo PSB’s mobile banking app scaled across Nigeria, it began to face the natural friction of rapid growth — performance lags, bloated code, and inconsistent development practices. With more features being added and multiple teams contributing, the app struggled to maintain agility, speed, and stability. It became clear that foundational changes were needed to ensure the product could keep up with user demand and deliver a seamless experience.

Key challenges included:

• SDK bloat due to frequent third-party integrations, which slowed down performance and inflated app size
• Tightly coupled code structure, limiting modularity and making future scalability difficult
• Redundant components and logic, resulting in inefficient maintenance and longer development cycles
• Inconsistent coding practices across teams, affecting collaboration and delivery speed
• Gaps in QA coverage, with limited regression, unit, and integration testing leading to unstable releases

MoMo PSB partnered with Ekfrazo to resolve these issues — rebuilding the app’s architecture for better performance, cleaner code, and long-term development sustainability.

The Approach

To modernize the MoMo PSB app, we launched a comprehensive optimization strategy focused on improving performance, reducing app bloat, and enforcing scalable engineering practices. Our goal was to transform the app into a lightweight, maintainable, and high-performing product — fit for rapid feature rollouts, developer collaboration, and long-term user engagement. This required a full-stack refactoring effort, tighter DevOps alignment, and implementation of automated quality assurance at every layer.

Key interventions included:

• SDK Optimization — Audited all third-party SDKs to identify redundancies; migrated non-essential features to backend services and replaced heavy SDKs with lightweight alternatives to reduce app size and boost performance.
• Modular Codebase Refactoring — Reorganized the codebase into a feature-wise modular architecture with clear separation of concerns; introduced shared UI components and reusable logic to speed up development and simplify maintenance.
• Standardized Development Practices — Established a shared development framework with onboarding guides, reusable component libraries, and design tokens — enforced through linters, code reviews, and documentation.
• CI/CD Integration and DevOps Automation — Integrated automated build and testing pipelines to reduce manual release overhead and ensure consistent, error-free deployments.
• Automated & Scalable QA Implementation — Rolled out unit, integration, and UI testing across the app; implemented mandatory regression coverage and centralized all test cases to ensure long-term testing reliability and faster feedback cycles.

The Impact

Modernizing the MoMo PSB app’s architecture unlocked major gains across performance, reliability, and development velocity. Ekfrazo’s full-stack refactoring not only improved the user experience but also empowered engineering teams to scale efficiently and ship with confidence.

The app size was reduced by over 30%, directly boosting load speed and reducing friction on low-bandwidth devices. Modular code architecture and CI/CD workflows shortened deployment cycles and simplified onboarding for new developers. With a robust QA layer now in place, releases are more stable and predictable, with fewer regressions.

This transformation laid the groundwork for long-term business agility. With a lighter, scalable, and more maintainable codebase, MoMo PSB can now accelerate time-to-market, reduce technical debt, and support growing user demand with confidence. The app is no longer just functional — it’s built to evolve, enabling sustained performance and seamless user experiences as the platform continues to scale.