Mobile banking financial audit
End-to-end financial audit of a retail or SME mobile banking application covering fees, balances, transfers, bill pay, and card controls.
Who this is for
Retail banks, digital banking units, and payment providers that expose balances, payments, and fees through iOS and Android banking apps used by customers in Thailand.
Result you receive
A structured financial audit file that states whether amounts, fees, and settlement outcomes shown in the mobile banking application agree with approved product terms and back-office postings for the period reviewed — with exceptions ranked by customer impact and regulatory sensitivity.
Scope
We examine customer journeys that move money or change financial position: onboarding balances, transfers, PromptPay and QR payments, bill pay, FX remittances, loan drawings, card payments linked in-app, interest accruals, and fee banners. For each sampled event we trace the app instruction, authorisation evidence, clearing or switch response, and final ledger posting.
Provider and process
Engagements are led from our Bangkok office by a financial audit partner with mobile-channel experience, supported by two field auditors. Work proceeds through scoping, sample design, dual-channel walkthroughs, ledger tracing, exception clearance, and a closing memorandum. You assign a single point of contact in finance and one in digital channels.
Duration and delivery
Most single-app reviews complete in four to eight weeks depending on product breadth and evidence lag. Fieldwork may occur at your premises; sensitive extracts stay on your systems under your access rules. Draft findings are discussed before the final memorandum is issued.
Preparation
Please ready product fee schedules, interest tables, recent release notes for financial screens, reconciliation packs for the sample month, and read-only access (or escorted sessions) to test and production-like environments. We do not require production credentials for auditors’ personal devices.
Pricing basis
Fees are quoted as a fixed engagement price based on number of mobile channels, payment products in scope, and sample size. See the fees page for starting ranges, then request a scoping call.