How AI and Computer Vision
Revolutionized Bill Payments
Papaya set out to make bill payments in the U.S. faster and more efficient. Luby built their Android app powered by AI and computer vision — helping them process 550K+ payments and secure investment from Sequoia Capital.
Payments processed
Android downloads
App rating
Challenges We Know Well
Papaya had a working iOS app but needed a full Android build from scratch — with AI-powered bill scanning, bank integrations, and automated QA — to capture the other half of the U.S. market.
Untapped Android market
Half of U.S. users were on Android, yet Papaya only had an iOS app — leaving a massive share of the market completely unreached.
AI-powered invoice scanning
Building native computer vision and AI capabilities to automatically read and process bill payments from a phone camera, end to end.
Plaid financial integration
Securely connecting users' bank accounts through Plaid to enable real-time payments and transfers with speed and compliance.
QA automation at scale
Implementing automated testing pipelines to maintain stability, accelerate release cycles, and support ongoing product evolution.
Our Approach
Luby assembled a dedicated fintech squad to build Papaya's Android app with AI-powered invoice scanning, Plaid integration, and automated QA pipelines.
Step 1
Native Android Development
We built the app initially in Java, then fully rebuilt it in Kotlin — improving performance, stability, and maintainability for a financial-grade product.
Step 2
AI & Computer Vision
Integrated AI-powered invoice scanning that reads bill data automatically through the camera, enabling one-tap payment with no manual entry required.
Step 3
Plaid Integration
Our payment integration specialists connected Papaya's app to Plaid, enabling users to securely link bank accounts for real-time payments and transfers.
Measurable Impact
Papaya expanded into the Android market with a high-performance, AI-driven app — cementing its position as one of the most innovative bill payment fintechs in the U.S.
Payments Processed
AI-automated bill payments
Android Downloads
New market captured
App Rating
User satisfaction
Ready to scale your fintech with real AI execution, not just experimentation?
Talk to our fintech specialists and discover how Luby delivers AI-powered products that attract investment and delight users.