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CH · Finance & FinTechPartner since 2017
TWINT Mobile Payment Platform Development
HQSwitzerland
IndustryFinance & FinTech
EngagementFull dedicated team, long-term

TWINT Mobile Payment Platform Development

Axon Active provides a dedicated software development team of 16 engineers in Vietnam, supporting TWINT's mobile payment platform development through end-to-end engineering of its core payment backend services. Using Java, Angular, and Terraform, the team builds scalable, reliable systems that power secure digital payment transactions while ensuring Swiss-quality delivery through a structured continuous delivery approach.

Mobile payment platform development supporting TWINT's secure digital payment infrastructure
About the client

Who TWINT is

TWINT is a Swiss mobile payment application that serves as a digital cash solution across Switzerland. As a flagship example of Swiss fintech software, its mobile payment platform development is supported by Axon Active. Supported by major regional financial institutions, the platform allows users to connect their smartphones directly to a Swiss bank account or credit card. Individuals use the system for cashless transactions at physical cash registers, online storefronts, parking meters, and direct peer-to-peer money transfers.

How we work together

Continuous delivery through a distributed engineering model

Teams operate on 4-week sprint cycles, delivering production-ready increments directly to TWINT leadership each month rather than waiting for quarterly milestones. This rhythm is supported by daily standups, stakeholder reviews, and continuous improvement retrospectives.

Key collaboration highlights include:

  • Global overlap: Daily real-time collaboration between Swiss and Vietnam offices, balanced with asynchronous deep-work windows.
  • Dedicated development team: A stable, long-term team that eliminates rotation, preserves institutional knowledge, and cuts ramp-up time.
  • Swiss governance: A local account lead acts as a permanent bridge to TWINT leadership for strategic alignment and escalation.
What We Do

Powering everyday payments across Switzerland

Our teams focus on payment backend development and the operation of TWINT’s core services, which power one of Switzerland’s leading digital payment platforms with high-volume transaction processing. These systems handle critical transaction processing and integrations, enabling secure payments across a wide range of everyday use cases.

As part of the custom fintech software development behind TWINT’s mobile payment platform, Axon Active’s engineering team helps ensure the platform remains scalable, reliable, and high-performing. Processing millions of daily transactions, the platform maintains the security, stability, and availability expected of a national payment solution while benefiting from long-term payment backend development expertise.

Full-stack alignment for faster, seamless feature delivery

A full-stack engineering team develops and operates both frontend and backend services, using Angular and TypeScript for the user interface and Java with Spring Boot for server-side logic. Deployments are managed through Argo CD as a continuous delivery pipeline, enabling efficient, transparent, and auditable release processes.

This tightly integrated full-stack approach ensures that UI components and backend APIs evolve together, minimizing integration issues and accelerating the delivery of new features while maintaining consistency and reliability across the platform.

Mobile payment platform development with full-stack engineering using Angular and Spring Boot

Real-time data streaming for high-volume transactions

Data is processed and stored through Kafka, leveraging its high scalability, throughput, and fault tolerance. Kafka enables event-driven data streaming, reliable transaction logging, and downstream analytics across distributed services.

By ensuring consistent data flow and integrity across services, the architecture supports stable performance even under peak loads—such as holidays or other high-demand periods—making it a critical backbone for maintaining responsiveness and reliability at scale.

Kafka-based event streaming architecture supporting scalable transaction processing
Mobile payment platform development using GitHub Copilot for code generation and reviews
AI-Augmented Development

Enhancing developer efficiency with AI

The team uses GitHub Copilot to support daily development activities and improve engineering efficiency. By assisting with code generation, code reviews, and the identification of potential issues, Copilot helps reduce time spent on repetitive coding tasks and accelerates development workflows. It also supports faster troubleshooting and technical investigations, enabling engineers to resolve issues more efficiently while maintaining code quality and development velocity.

Learn more about how Axon Active governs AI in delivery.

Meet the Team

Who sits on the engagement

Slash
Shark
Storm
Wind
Tech stack

What the team works in

Tech stack
JavaSpring BootREST APIsAngularTypeScriptKafkaTerraformAzure Kubernetes ServiceHelmJenkinsArgo CD
DELIVERY METHOD

The Axon AI Operating Model behind this engagement

The outcomes above shipped under the Axon AI Operating Model — production-grade tooling, 3-layer governance, and 4 levels of autonomy (L1 Assisted → L4 Autonomous) with human-in-the-loop checkpoints on every change. Same operating model across every AI engagement.

The delivery method behind this
Common questions

FAQs about the core payment system

How does mobile payment platform development maintain reliability at high transaction volumes?

The platform maintains reliability at high transaction volumes through Kafka-based data streaming and a scalable cloud infrastructure on Azure Kubernetes Service (AKS). Kafka decouples services and ensures resilient message processing, while AKS enables horizontal scaling to absorb traffic spikes. Together, these components maintain stable data flow and consistent system performance even during peak transaction periods such as holidays or nationwide usage surges.

How does the team ensure secure financial transactions?

Security is embedded across the entire stack, from backend services to deployment pipelines. The system follows strict financial-grade standards, including secure APIs, encrypted data handling, and controlled release processes, ensuring safe and trusted transactions for users.

How are new features delivered without disrupting existing services?

The team follows a structured 4-week sprint model with continuous integration and deployment pipelines. Features are incrementally developed, tested, and validated before release, ensuring minimal disruption while maintaining platform stability and user experience.

How does the distributed team operate as one cohesive unit?

The Axon Active team is fully embedded in TWINT’s engineering workflow, participating in the same ceremonies, tools, and processes. Daily overlap between Switzerland and Vietnam enables real-time collaboration, while asynchronous communication ensures continuous progress beyond shared working hours.

How does Axon Active ensure long-term consistency and domain expertise?

The engagement is built on a stable, dedicated team model with no mid-term rotations. Engineers remain on the project long-term, building deep product knowledge and ensuring continuity. This reduces onboarding effort, avoids context loss, and maintains consistent delivery quality over time.

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