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Mobile Banking Application Modernization and Feature Expansion
  1. case
  2. Mobile Banking Application Modernization and Feature Expansion

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Mobile Banking Application Modernization and Feature Expansion

ailleron.com
Financial services
Information technology

Challenge

The existing mobile banking platform faces challenges due to the diverse core systems and internet banking platforms utilized by the affiliated cooperative banks. A need exists to provide a unified, user-friendly mobile banking experience accessible to all SGB Group customers, while also keeping pace with evolving customer expectations and incorporating new financial services.

About the Client

A large cooperative banking group comprising 179 cooperative banks and SGBBank S.A., serving over 1.5 million customers with a wide network of branches and ATMs.

Project Objectives

  • Develop a mobile banking application accessible to all SGB Group customers.
  • Provide a seamless and user-friendly mobile banking experience.
  • Enable customers to access a comprehensive range of banking services on their mobile devices.
  • Accelerate digital transformation within the SGB Group.
  • Increase mobile banking adoption rates.
  • Enhance customer satisfaction through improved mobile banking functionality.

Functional Requirements

  • Account balance inquiry and transaction history (with filtering)
  • Internal and interbank fund transfers (including instant transfers)
  • BLIK service integration
  • Digital wallet integration (Google Pay, Apple Pay)
  • Payment card management (activation, limit changes, blocking/unblocking)
  • Subscription management
  • Integration with e-commerce card payments
  • Mobile subscription management

Preferred Technologies

Mobile development (iOS and Android)
Secure API integrations
Cloud-based infrastructure
Robust security protocols

Integrations Required

  • Core banking systems of affiliated cooperative banks
  • Payment gateways
  • Digital wallet providers (Google Pay, Apple Pay)
  • BLIK service provider
  • E-commerce platform APIs

Key Non-Functional Requirements

  • Scalability to support a growing user base
  • High performance and responsiveness
  • Robust security to protect customer data
  • Accessibility for users with disabilities
  • High availability and reliability
  • Data privacy compliance

Expected Business Impact

This project is expected to significantly enhance customer satisfaction, drive digital adoption, reduce operational costs associated with traditional banking channels, and strengthen the SGB Group's competitive position in the market. The new mobile app will empower customers with convenient and secure access to their finances, leading to increased customer loyalty and engagement.

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