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Mobile Banking Application Enhancement and Expansion
  1. case
  2. Mobile Banking Application Enhancement and Expansion

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Mobile Banking Application Enhancement and Expansion

miquido.com
Financial services

Challenges with Timely Feature Delivery and Customer Experience

BNP Paribas faced challenges in accelerating the time-to-market for new mobile app features, adapting to evolving customer expectations, and maintaining rigorous security and compliance standards within the banking industry. They needed to enhance the customer experience and introduce innovative features quickly while adhering to regulations like GDPR, AML, and KYC.

About the Client

A major international banking group providing a wide range of financial services to retail and corporate clients.

Project Goals

  • Accelerate the delivery of new mobile banking features.
  • Enhance the user experience of the mobile banking application.
  • Improve security and compliance with banking industry standards.
  • Increase customer engagement and satisfaction with the mobile banking platform.
  • Expand the functionality of the mobile banking app to meet evolving customer needs.

Functional Requirements

  • Account access and management
  • Transaction history and search
  • Spending and revenue charts & analysis
  • Integrated mobile payment systems (Apple Pay, BLIK)
  • Travel insurance module
  • Account opening with face recognition
  • Real-time spending insights
  • Card limit editing
  • Branch onboarding with ID scan
  • Product listing (deposits, investments)
  • Automatic credit card repayment
  • Statement downloading
  • Push notifications for various events
  • Marketing consent management

Preferred Technologies

Swift (iOS)
Kotlin (Android)
MVVM Architecture
Clean Architecture
RxSwift
UIKit
Fastlane
BehaviorDriven Development

Required Integrations

  • Autenti (Digital Signature)
  • IDENTT (AML, KYC, Identity Verification)
  • Transaction categorization library
  • Push notification services
  • Backend banking systems

Non-Functional Requirements

  • High security and data privacy
  • Scalability to support a large user base
  • Performance and responsiveness
  • Reliability and availability
  • Compliance with GDPR, AML, and KYC regulations

Expected Business Impact

The enhanced mobile banking application is expected to significantly improve customer satisfaction, increase customer engagement, accelerate customer acquisition, reduce operational costs, and strengthen BNP Paribas' position as a leader in digital banking. The improved user experience and innovative features will lead to increased customer loyalty and retention.

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