A mobile-only retail banking experience that takes accounts, cards, savings and payments online in one place.
With 9,323 fintech startups in the EMEA region in 2021, every financial institution aspires to take its banking operations online. Our client set out to make banking digital, more accessible and easier than ever for users across the Middle East.
Paper-based processes, complex operations and long queues pushed the bank to transform onto a digital platform. Manual operations also held back its executives from reaching their full potential.
Code Inc. identified the major user personas, studied the most frequent tasks and behavioural patterns, and mapped the entire banking lifecycle to wireframe a mobile application that brings every banking operation together in one place.
File management, customer account data and other in-house operations relied on human intervention, which led to delayed and flawed outputs.
Customers queued at branches even for minor requests. The bank wanted opening an account, checking a balance or transferring money to work fully online.
Regular banking services demanded lengthy paperwork and documentation formalities.
Manual processing meant executives could not serve multiple requests at once, causing errors and dissatisfied customers.
No systematic approach to customer requests wasted time on the customer side.
Based on the personas identified in the initial phase, we used an agile approach and crafted step-by-step portrayals of how the digital banking application would operate, taking every banking operation online.
Stakeholders joined brainstorming sessions throughout, keeping developers and the bank in sync. The result is a scalable, energetic and intuitive app built to cater to future banking needs.
Every routine operation available from one mobile app.
Persona-led design with energetic, intuitive navigation.
Automated data flows and governance behind the scenes.
Paperless onboarding and servicing.
Virtual and physical debit cards for secure payments.
Customers manage PINs, freezes and replacements themselves.
A robust app that lets users perform every day-to-day operation without visiting a branch.
Digitalising operations ensured flawless data outputs and freed executives to focus on what matters.
An ID and a picture are all it takes to register. Biometric login, no paperwork and no queues.
Customers earn tiered interest on deposits for better savings over time.
Open and link foreign-currency accounts and connect multiple currencies to cards.
Set savings goals with a target amount and date, and automate payments from any currency.
Activate, set or change a card PIN, freeze and unfreeze a card, report it lost and order a new one instantly.
Send money to anyone with a mobile number registered to a bank account, in a few taps.
A virtual card for online payments and a contactless debit card for secure everyday use.
Elevation in ROX
Customer retention
Encrypted data
App downloads
Dedicated teams, fixed-scope delivery and managed services — tell us what you want to build and we will help you shape it.
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