Desarrollo de una aplicación de billetera digital móvil

Abstract

The Paganini project arose from the need to offer an inclusive, accessible, and secure digital wallet in Ecuador that would allow transactions to be made using various payment methods without the affiliation restrictions typical of existing banking solutions. The objective was to design a functional and technical architecture that would integrate security mechanisms, an intuitive interface, and technological alternatives to include cryptocurrency transactions, thereby promoting financial inclusion and trust in digital media. The project was developed using the Design Thinking methodology, with prototypes in Flutter and Amazon Web Services services such as Cognito, Aurora, Lambda, API Gateway, and ECS. Usability tests were conducted with 20 users, who evaluated key features such as transfers, QR payments, top-ups, and payment method management. The results showed that the app is perceived as fast, simple, and secure, which generated high acceptance among participants. The user experience was rated positively, and specific aspects were identified that can be optimized to strengthen adoption. It was concluded that Paganini meets the objectives set by demonstrating technical efficiency, a positive user experience, and potential for adoption. In addition, it establishes a solid foundation for future integrations with banks and exchanges that will expand its reach. Keywords: Digital wallet, Financial inclusion, Cryptocurrencies, Amazon Web Services