Three years. That’s how long it took for Starbucks to launch its mobile app. After creating the loyalty app in 2008, the app we know and love today was released three years later. While we don’t know how much of the company was dedicated to the effort, we can guess it took some substantial development investment. Starbucks definitely paved the way for other loyalty programs to follow suit, no doubt with similar investments.
That was then.
Now, apps release every day, upping the ante for competitors across all segments. A three-year wait time for an app is unfathomable — no executive or shareholder would accept it. Fortunately for many enterprises, apps are built, and development tech has progressed to lightning speed.
But the age-old tradeoff between innovation and investment continues — even at a faster pace. New ideas can get lost in the priority list, continually de-prioritized for critical fixes, customer-demanded features, and incremental progress.
What if the tradeoff were removed? What if all innovation was possible? Ideas could swiftly become in-market features — all while preserving precious time and effort.
It’s possible.
Real-world opportunities for growth
Embedded finance is moving mainstream, with large brands working to serve their customers more fully by offering more value with each interaction through financial products. It’s not a theoretical idea but a practical solution to attract and retain more customers and bring additional revenue. And the best part is there’s no one-size-fits-all — each company can select the right financial product for its customers and add more functionality as demand requires.
Here are a few examples:
Starbucks-like loyalty wallet
Current: Customers add funds for their next purchases.
Opportunity: Offer bank transfers for non-network transaction savings.In-store remittance
Current: Customers use stand-alone MoneyGram or Western Union services.
Opportunity: Reduce the footprint with branded self-service kiosks or via a branded app.Branded marketplace wallet
Current: Sellers link external accounts for payouts.
Opportunity: Provide an embedded marketplace wallet for instant earnings and flexible financial services.
Great ideas often get bogged down in implementation. Most leaders are loath to add more to the development team’s workload.
Jumpstart innovation with the Alviere Bootstrap app
Building a fintech app from the ground-up takes time, resources, and expertise. That’s where the Alviere Bootstrap app comes in. Inspired by open-source frameworks that simplify web development, the Bootstrap app applies the same concept to application development — delivering a fully customizable, API-first solution that helps launch financial products faster.
Rather than starting from scratch, Alviere clients can seamlessly integrate and brand a ready-to-use foundation, accelerating their path to market while maintaining full flexibility.
Why the Alviere Bootstrap app?
- Self-serve & user-friendly – Decision-makers can quickly explore, test, and integrate fintech capabilities, making onboarding effortless.
- Increased efficiency – Client development teams can optimize workflows, saving time and resources while focusing on customization.
- Hands-on API ramp – The Bootstrap app provides real-world examples of how to connect and leverage Alviere’s APIs, offering a clear roadmap for development.
- Reduced time-to-market – With a pre-built foundation and intuitive guidance, teams can go live in months instead of years — bringing ideas to reality faster.
Whether used as-is or customized to match a brand’s unique identity, the Alviere Bootstrap app bridges the gap between innovation and execution. No delays. No heavy lifting. Just a faster, smarter way to launch embedded financial products and deliver seamless customer experiences.
From years to months: Innovation without the wait
Three years to launch an app? In today’s market, that’s unthinkable. You can’t afford to let great ideas sit on the sidelines while competitors move ahead. The Alviere Bootstrap app removes the tradeoff between innovation and speed, giving companies a head start with a fully customizable, API-first foundation.
What once took years can now take months. With pre-built infrastructure, seamless integrations, and a branded customer experience from day one, businesses can move quickly — without sacrificing quality or control.
How fast do you want to launch?