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“Financial education is the foundation for lifetime financial security.”

– Robert Kiyosaki

You might have seen the success of financial literacy apps like Zogo and thought, “There’s a gap in the market I can fill!” It’s true, mobile learning is booming, and people are increasingly turning to mobile apps for financial guidance.

Just like a polished performance hides hours of rehearsal, there’s more to building a Zogo-like app than meets the eye. That’s the idea behind Zogo and other “learn and earn” finance apps. They’re taking the world by storm, and maybe you have a great idea to build an app like ZOGO?

But how do you win over users and stand out from the other financial literacy apps like ZOGO that are out there? Quick answer: find out what your audience wants first. There is a more in-depth explanation in this blog which I’ve shared after discussing with one of our project managers about the intricacies and development approach they use for finance app development.

This blog explains how to develop an app like ZOGO, that meets user expectations and emphasizes the value, cost, and key features of finance literacy apps.

So, let’s begin.

Table of Contents

What is a ZOGO App?

Zogo is a quiz-based app for learning about money and finance. It gives users rewards for completing short lessons on how to wisely spend, save, and manage their money. There are about 300 lessons covering 20 various subjects in the zogo financial app.

Fom creating a bank account to setting aside money for retirement, and all points in between. So, if you have a similar idea like ZOHO then validate it with the experienced expense management app development company.

Market Statistics & Scenarios Financial Literacy App!

Source: Statista

With 73% of smartphone users using financial management apps, they keep track of their money.
A total of 53% of customers who have used finance applications have stopped using them because they are no longer required.
Only 67% of users like it when banking apps remember what they like so it’s easier to do things in the future.
When it comes to checking their finances, six out of ten people who use smartphones prefer to use a finance app like zogo acquisition rather than a website.
Around 49.7% of the population in Indonesia has a financial literacy index in the year 2022.
In the United States, just 57% of adults have a core knowledge of finance.

How Does A Finance Literacy ZOGO App Work?

The ZOGO app for financial learning works in a simple way. Users have to sign up by giving their email address. After that, the app will be easy for them to use. A fintech mobile app development company has explained how apps like ZOGO help people learn about money and its management.

Take a look at the working mechanism of ZOHO app:

Users first download the ZOGO app and make an account.
After that, they can explore hundreds of bite-sized lessons on saving, spending, and more.
When users get a moment, they can take lessons at their own pace.
Now they can earn “pineapple” points by finishing courses and answering quizzes.
Users can trade in their pineapples for other things, like gift cards to your favorite shops.
To make learning about money more fun, users can finish it with family and friends on leaderboards.

“As a product manager, I’ve struggled with the challenge of creating a finance app that truly resonates with users. It wasn’t a smooth journey. Through trial and error, my team and I built several finance apps before finally finding success with a product that clicked. These experiences have given valuable insights I’d like to share with you about the process of developing financial literacy apps like ZOGO that users love”.

— Navneet Singh Rajput (Project Manager).

Step-by-Step Process To Build A Finance App Like Zogo

Creating an app doesn’t happen overnight; it takes time and money. So, coming up with a concept and a niche must be the first ideas for finance startups. Developing financial literacy apps like ZOGO also involves a number of steps. In just five steps, you can easily create an app like ZOGO:

Step 1. Validate An App Idea

Before you develop a mobile app like ZOGO, you should first validate your app idea with development experts. There are some things that every app must have. Add features like basic security and card linking.

At the same time, think of something that makes your apps like ZOGO different from others. Utilize this to gain new businesses. If customers can’t find a substitute for your zogo app development solutions, they’re probably to stick with you and pay you money.

Step 2. Analyze the Project

It is important to analyze the market and figure out what kind of finance literacy app and revenue plan will be used. After you set the budget and due dates, pay close focus on app idea review before you develop a finance app like Zogo.

You also need to consider who the app is intended for at this point. Indicate which target audience you prefer to prioritize like millennials or Gen Z. Whether it covers all age groups or just the tiny age group in particular. With the Account app development, users can create and manage their account.

Moreover, you can also interview a few individuals from your target group for a short time. This will help you figure out how to make your finance learning apps like Zogo even better.

Step 3. Create A UI/UX Design

Intuitive apps are essential. It’s vital for businesses to keep the app simple, clear, and attractive. For Finance apps like ZOGO, the next best thing is to have a good UX and UI. Look for examples, write down your own tastes, and work with the iOS or Android app development company to create a layout.

Within the design process, we begin with wireframes after looking at examples. That’s what we think you should do. The point of this step is to figure out how the app works and whether it’s clear what the user can perform on each screen.

Create complete screens by adding details to the wireframes. Developing new screens is made simpler and easier. It’s not necessary to start from scratch; you can just put together one using the elements that you already have.

Step 4. Develop Your ZOGO-like App

Set goals for the project and outline the features of your Financial literacy apps like ZOGO. Explain what issues it fixes for individuals and how users may utilize it. Get in touch with the fintech app development team or hire mobile app developers and share your ideas and they will build your app.

If you want to make a financial app, you can make a MVP, which is a simple version of the app that has all of its main features. It is the perfect method to see how your idea works in the real world.

Additionally, if an app doesn’t make money in the end, the business can either give up on it or change it for no extra cost. And if its target group really likes it, it’s easy to make it bigger.

Step 5. Test & Launch Your App

Test your finance apps like ZOGO and make sure it is working. Avail software testing services to make sure that an application works correctly, and a test run will help you find and fix any bugs that might show up in the future.

It’s Vital to assure that the app works with different screen sizes. Make sure your apps like ZOGO runs smoothly on every mobile device if you’re releasing it for both iOS and Android users.

This will make sure that your financial app does well. Now you can release the app and ask the first individual to use it for feedback.

Key Features To Add In A Finance App Like Zogo

No matter the type of finance app you want to build for your business, you must think about having one developed with certain features that are crucial for the app’s success.

Here are a few features that financial literacy apps like ZOGO should have:

1. User Registration

Your app may include a sign-up function that requires simply minimal details as well as an OTP. Users can be requested for additional details after signing in to the app.

2. Dashboard

Another vital feature to add with the help of dedicated developers is a dashboard when you make an app like Zogo. It provides the number of pineapples obtained and the estimated delivery time of the prizes. Additionally, it informs students of their current and previous homework.

3. Trivia

With these features, users should do trivia after lessons. Quizzes should be part of your app to test people. Before students may go to the following module or instruction, they have to pass an exam. Those that fail the trivia must retake the course.

Expert Advice: Avail online bookkeeping app development services to take your ZOGO-like app to the next level. Add features like automatic transaction tracking, budgeting tools, and financial reports. This helps users to manage real-money alongside learning which promotes practical financial knowledge.

4. Learning Modules

The ‘Learning Module’ is also a vital add in your ZOGO clone app to help users learn about money. It’s important to notify users about the courses your app provides. To make courses and classes easy to find, group them.

5. Rewards

The Zogo clone app facilitates users with a reward called a “pineapple” for completing sessions.The “rewards” it offers are a terrific approach to get more users to utilize your app. These points can buy e-books, subscriptions, and partner store purchases for students.

6. Offline Learning

Add this feature to your app to boost usage. This tool enables offline ebooks, video lectures, and additional learning tools to be easy to access. Thus, users can complete their course without being online.

7. Help & Support

Last but not least, you should add a way to give help in real time to your ZOGO app development. Take help from a custom mobile application development company to add this feature when you develop apps like ZOGO.

Advanced Features To Include In Apps Like ZOGO Finance

An app’s engagement, quality of experience, and potential to stand out from others can be significantly boosted with the addition of advanced features made all through the finance app development process.

So, let’s check out some of them:

1. Social Media Sharing

An excellent idea is to let users choose to post on social networking websites that are linked to their own accounts. If you want to increase the number of users who download your app and share it on social media, you must have this feature.

2. Multi-Language Support

Your app should be open to everyone by supporting multiple languages. Users from anywhere can use your app because it talks their language. Users can easily get financial help and lessons in the language they choose, it makes the experience more personal.

3. AI-powered Assistant

Having an AI-powered assistance to your app can make it better for people who use it. It offers individualized information, 24/7 support, and actual time market evaluations. You can consult with an Artificial Intelligence development company that will help you enhance your app with an AI-powered assistant.

4. Gamification

Never has money education been more entertaining. If you want people to enjoy learning about money, you should give them prizes and awards as they finish lessons. Users may find your app more enjoyable.

5. Multiple Payment Options

With payment gateway integration, your app should make it easy to pay by giving users multiple options. Your apps like ZOGO should enable consumers to choose payment cards, PayPal, or coins. Customers may now experience liberty and not worry about money.

Best Financial Literacy Apps Like ZOGO In the Market

When you build financial literacy apps like ZOGO, it is essential to know your competitors’ apps. We have compiled the best ZOGO finance apps for your reference.

Apps Like ZOGO	Available Platform	Downloads	Ratings
Copper	Android \| iOS	500K+	4.6
Investmate	Android \| iOS	1M+	4.7
NatWest Rooster Money	Android \| iOS	500K+	4.4
Greenlight	Android \| iOS	1M+	4.7
NerdWallet	Android \| iOS	1M+	4.5

Budget Estimation For Making Apps Like ZOGO

“Want to know how much does it cost to build an app like ZOGO?” Well, the fintech app development cost may differ notably on the basis of your project requirements. Also, factors and technologies fluctuate the cost to develop apps like ZOGO.

Basically, simple finance apps like ZOGO can cost you between $10,000-$15,000. If you have a little budget, start with a basic app. However, if your budget is more, then you can go for an advanced app that costs $15000–$25,000. The table below showcases the cost to develop a mobile app on the basis of complexity.

ZOGO App Complexity	Cost Estimation
Simple ZOGO Clone App	$10000-$15000
Moderate ZOGO Clone App	$15000-$20000
Complex ZOGO Clone App	$25000+

These are just the rough estimates of ZOGO mobile app development cost. From project to project, it could vary significantly. Furthermore, the formula below must be used to determine the ZOGO fintech app development cost.

Total ZOGO App Development Cost = Hourly Rate Of Developers * Total Development Time

So, if you want to know the actual cost of developing an app like Zogo. It would be best to partner with a reputable fintech mobile app development company. They will help determine the accurate financial literacy app like zogo cost.

What is the Maintenance Cost of Apps Like ZOGO?

Now you know the cost to make an app like ZOGO, it is essential to know the maintenance cost. So, the cost to maintain apps like ZOGO can be between 15-20% of the total ZOGO app development cost.

Let’s say, your cost to develop a finance app like Investing.com or ZOGO is $10000, then you need to pay around $1000-$5000 annually on its maintenance.

App Maintenance Type	Cost(approx.)
Hosting Charges	$35 to $120 Per Month
Bug Fixing and Updates	$1000 to $2000
Functional Services	$2000 Per Year
API Integration	$3000 Per Year
IT Support	$1000-$5000 per hour

So, it’s time to maintain your finance apps like ZOGO if they are out of date or not working properly. To do that, you need to consult with a mobile app maintenance and support services provider. They can solve issues and ensure that your app functions properly.

Want To Build A Zogo-like App From Scratch? Let’s Connect!!

Fintech app development is the most competitive domain. In fact, some apps like ZOGO or Mint were the leaders of this lucrative and established the ground rules for other startups. That doesn’t mean you shouldn’t attempt to compete in this race, though.

Develop a mobile app like ZOHO by determining your specialty, market, and audience, then offer that specific set of individuals your fintech app development solution. Now you have seen the process to build a finance app like ZOGO and other aspects you must have in mind.

It is time to hire a mobile banking app development company who can transform your ZOGO-like app idea into reality. So, what are you waiting for? Get in touch with zogo mobile app development services experts and take your fintech business to new heights!

Frequently Asked Questions

1. How Much Does It Cost to Develop Personal Finance Management Apps?

The cost to develop personal finance management apps can range between $10000-$25000. It can vary from app to app. For example, a simple app can cost less while a complex app may cost you more with advanced functionalities.

2. How Does ZOGO Make Money?

They only make money through their partners; they don’t have any other way to make money. This may seem counterintuitive at first. Depending on the data users provide in the app through surveys, the brand partners ultimately sell the consumers their products.

3. How Long Does It Take To Build Apps Like ZOGO?

The time to build a finance app like ZOGO may fluctuate widely, from 2-4 months to more than 8 months. The times depend a lot on how complicated the app is, what the app needs, and any problems that come up during interaction. You can consult with a Zogo app development company to know the actual time.

4. How To Build An Account Management Software?

You can build an account management software by following the below steps: