BigPay – AirAsia

BigPay is a NeoBank owned and operated by AirAsia. They have over 3.3 million users in South East Asian and are ranked as the most searched digital bank in Malaysia in 2021 by Google Reports. They allow for bill payments, international bank transfers, international remittances, peer to peer payments and other modern features such as split the bill.


3 teams, 15 developers


Fintech | NeoBank

Products and Services

iOS app; Android app & Backend Administration


12 month project in 2018



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The Challenge

The Southeast Asian region has shifted gradually towards cashless payments systems. BigPay wanted to position itself as a leading player in this market. It approached SmartDev, looking to hire a team of experts to help CEO Tony Fernandes realise his goal of making BigPay larger than AirAsia. SmartDev was proud to be selected as a trusted partner to build the foundations of one of the leading digital-only neo banks in South East Asia. 

Paramount to this project was performing to tight timescales under extreme pressure from a leading organisation looking to build an app and platform that was new, challenging and embraced the very latest technology. SmartDev recruited, trained and managed a highly skilled team to deliver this project on time and to the CEO’s satisfaction, all within 12 months.

Technology Stacks

Kotlin Icon





Java Script

The Solution

A team of 15 developers including Android, iOS and Java specialists worked with AirAsia’s tech team over a period of 12 months to build the app. Underpinned by the latest technology, BigPay features enable users to carry out payments, transfers, remittances and many more financial services seamlessly across multiple countries. The app needed to be scalable in real time to meet high demand.


BigPay Achievements


Aug 2021, BigPay secured an investment of US$100 million from South Korea’s SK Group

Top Searched Bank

In Nov 2021, BigPay was ranked as the most searched for digital bank in the country based on Google Search Data.

BigPay Core Functions


Zero Fee Money Transfer

With BigPay, sending money is as easy as a Whatsapp message. Send money to your friends or split the bill in just a few taps. Make local or international bank transfer directly from your phone.


Globally Accepted Payment

Your BigPay account is Visa or Mastercard enabled, accepted by 40 million merchants globally. Use it for all your payments, both offline and online. Choose to freeze the card within the app if lost or stolen.



With BigPay Analytics, it’s easy to control and understand. You will receive instant notifications after making payments and easily stay on top of your account balance. Access digital receipts for all purchases big and small. 

Let’s Build Something Together

SmartDev offers a number of solutions, from fully outsourced development to staff augmentation on specific projects, to meet tight deadlines.

What is SmartDev?

A Swiss company built and managed by highly experienced Europeans with a dedication to technical excellence, passed on to promising Vietnamese developers. SmartDev has outsourced development centres in Danang and Hanoi (Vietnam).

How big is your development team?

SmartDev has a team of over 200 developers in Vietnam. Our experienced HR team has the technical knowledge to scale teams up and down as appropriate and find the relevant skills for your project.

How do I get a quote?

Put your email address in the form and an expert will contact you shortly after analyzing your business requirements. We sign an NDA to ensure the highest degree of privacy. We will then issue a comprehensive project proposal, including cost estimates, timelines and skills required for your project. Upon agreement, we will assemble your team and begin delivery within ten days.

Why choose SmartDev?

We have been delivering complex technology projects for businesses since 2014. The SmartDev team has expertise in APIs, mobile banking apps, FinTech app development, insurance software and more, with over 70% of our FinTech developers having more than 3 years of industry-specific experience.

Our Quality Promise

Our offshore development, onshore management model ensures that we have the correct blend of skills to meet your project needs. Our skills extend to Agile development processes and scrum methods, making sure our projects are always delivered on time to our clients’ requirements. We are certified to ISO standard 27001.