How does PSD2 affect our mobile checkout or payment flow?

PSD2 SCA requires two-factor authentication for most EU and UK payment transactions above €30. For mobile apps, this typically means biometric authentication (Face ID/fingerprint) combined with device possession as the two factors. We design checkout flows that satisfy SCA without creating friction that kills conversion.

Do UK apps need to comply with the European Accessibility Act?

Post-Brexit, the UK follows its own accessibility regulations under the Equality Act 2010 for public sector apps, with private sector following suit under ICO guidance. We build to WCAG 2.1 AA as standard — which satisfies both UK and EU requirements.

Mobile App Development

Mobile App Development in London

London's mobile market is one of Europe's most mature — with high smartphone penetration, strong digital payment adoption, and users who expect feature parity between mobile and web. UK mobile apps must navigate specific regulatory considerations while delivering experiences competitive with the best US and European apps.

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Mobile Apps Challenges Specific to London

Operating in London creates distinct pressures that businesses elsewhere don't face. Here's what we see most often.

1
UK payment regulation (PSD2 Strong Customer Authentication) requires specific biometric authentication flows for financial mobile apps — non-compliant checkout flows get declined by banks
2
London's transit-centric lifestyle creates specific offline requirements — apps must work in the Underground, where connectivity is absent for minutes at a time
3
ICO (Information Commissioner's Office) regulations on mobile tracking and push notification consent differ from US standards — opt-in rates and consent UX require careful design
4
UK accessibility regulations (Equality Act 2010) have specific implications for mobile apps used by public-facing services

Our Approach for London

We build London mobile apps with PSD2 compliance, offline-first architecture, and ICO-compliant consent flows as standard requirements — the baseline the UK market demands.

Outcomes for London

PSD2 SCA-compliant authentication flows using biometrics and device binding for financial apps
Offline-first architecture that maintains core functionality through Underground transit gaps
ICO-compliant push notification and tracking consent with proper opt-in UX that achieves above-average permission rates

Deliverables

iOS and Android application
UI/UX design system
API integration and backend services
App Store / Play Store submission
Analytics and crash reporting setup

Common Questions in London

How does PSD2 affect our mobile checkout or payment flow?: PSD2 SCA requires two-factor authentication for most EU and UK payment transactions above €30. For mobile apps, this typically means biometric authentication (Face ID/fingerprint) combined with device possession as the two factors. We design checkout flows that satisfy SCA without creating friction that kills conversion.
Do UK apps need to comply with the European Accessibility Act?: Post-Brexit, the UK follows its own accessibility regulations under the Equality Act 2010 for public sector apps, with private sector following suit under ICO guidance. We build to WCAG 2.1 AA as standard — which satisfies both UK and EU requirements.

Mobile App Development for Other Industries

Mobile Apps for Startups Mobile Apps for E-commerce Mobile Apps for Healthcare Mobile Apps for Real Estate Mobile Apps for Finance & Fintech Mobile Apps for Education Mobile Apps for SaaS Companies Mobile Apps for Agencies Mobile Apps for Retail Mobile Apps for Hospitality

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