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App Protocol & Traffic Analysis for Banking, Wallet and Lending Apps
Authorized protocol analysis that rebuilds login, balance, transfer and statement flows into a documented, runnable API.
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INTRODUCTION
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Most finance apps expose no public API, yet the data still sits behind a defined set of request and response flows. That is the default in India UPI payments and in wallets-and-payments markets across Bangladesh, Pakistan, Thailand, Vietnam, Indonesia and the Philippines: high volume, few official open APIs, and teams that still need balances and statements in their own systems.
Protocol and traffic analysis makes those flows legible. Under a written statement of work, Open Banking Studio traces how the app authenticates, signs and sequences its calls, then reconstructs a clean integration surface you can test end to end.
POPULAR APPS
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This page does not publish a named app list. Scope is one target app at a time, across markets such as:
India · UPI Payments
Bangladesh · Wallets & Payments
Pakistan · Wallets & Payments
Thailand · Wallets & Payments
Vietnam · Wallets & Payments
Indonesia · Wallets & Payments
Philippines · Wallets & Payments
Nigeria · Wallets & Payments
You supply the app name and the operations you need. Banking, wallet and lending apps are all in scope for this API integration work.
WHAT CAN BE INTEGRATED
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Login, balance, transfer and statement calls, rebuilt as a documented API layer
A traffic and endpoint map: endpoints, parameters, headers, signing or encryption steps
Runnable source code you deploy in your own environment, under your own credentials
A packaged API for UAT before any source handoff
Interface documentation so your engineers can operate the surface
A re-validation pass after app updates, with a patch if a mapping breaks
USE CASES
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[1] No public API available
Protocol analysis reconstructs an interface you can build against when the banking or wallet app offers none.
[2] Reconciliation
Call balance and statement flows programmatically for ledger matching instead of doing it by hand.
[3] Back-office automation
Power monitoring or internal tooling that must hit the app without a person in the UI.
[4] Vendor and partner diligence
See what data and actions an app exposes before you lock an integration budget.
[5] Migration off manual exports
Replace screen-scraping or CSV pulls with a stable protocol layer your engineers control.
WHY AUTHORIZED INTEGRATION
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Work runs only under a written statement of work for authorized, licensed use cases — your own or your customers' consented accounts. Unsolicited scraping is not offered.
You test a packaged API first. Full runnable source ships after acceptance and payment.
The client is not a hosted black box; you operate it with your credentials.
Each engagement includes re-validation; if an update breaks a mapping, that surface is re-scoped and the source patched.
From USD 500 per app, typically 1–2 weeks once scope is confirmed. Heavily obfuscated or strongly protected apps take longer; that estimate is flagged upfront. A fixed quote from USD 500 is confirmed before any work begins.
CONCLUSION
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If your stack needs API integration against a finance app with no public interface, start with authorized protocol and traffic analysis. Name the app, name the operations, and review the quote.
Details and intake:
https://www.openbankingstudio.com/services/app-protocol-analysis/