Novio: Credit Card Lifestyle App

Overview

Novio is a consumer fintech app focused on one practical decision people make every day: which card or payment method gives the best value for this transaction.

My Role

I worked as Senior Flutter Developer at Credilio and helped take Novio from early product direction to production readiness across iOS and Android.

Product Challenge

Users had too many cards, too many reward rules, and very little clarity at checkout time. The product had to simplify decision making without feeling heavy or financial-jargon driven.

What I Built

• Recommendation flows for card and payment option selection
• Card comparison surfaces with reward-focused decision support
• UPI-enabled SBM Credilio Credit Card integration touchpoints
• Reusable UI blocks for faster feature rollout consistency

Engineering Notes

• Flutter architecture with clear module boundaries and predictable state updates
• Performance tuning for list rendering and low-latency UI transitions
• Tight API coordination for eligibility checks and offer presentation

Outcome

Novio shipped as a focused, easy-to-understand consumer experience that balanced financial complexity with clean interface design.