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Next-Generation Mobile Banking App Development for Kazakhstani Commercial Bank
  1. case
  2. Next-Generation Mobile Banking App Development for Kazakhstani Commercial Bank

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Next-Generation Mobile Banking App Development for Kazakhstani Commercial Bank

tallium.com
Financial services
Information technology
eCommerce

Current Mobile App Limitations

The existing mobile banking app (launched 2014) suffers from inefficient onboarding processes, fragmented user journey between web and mobile platforms, lack of automation in account opening, outdated UI/UX design, missing real-time notifications for financial activities, and limited integration with loyalty programs. These issues result in poor customer retention and inability to capitalize on modern digital banking trends.

About the Client

Leading commercial bank operating in Kazakhstan since 1994, serving retail customers and SMEs with comprehensive financial solutions

Strategic Objectives

  • Implement seamless omnichannel onboarding process
  • Modernize UI/UX design for enhanced user engagement
  • Automate account opening and card issuance workflows
  • Integrate real-time financial notifications and alerts
  • Develop in-app account closure functionality
  • Enhance loyalty program integration with personalized offers

Core System Requirements

  • Biometric authentication with ID document scanning (Card.io integration)
  • One-click account opening with automated verification
  • Real-time push notifications for account activity and promotions
  • Multi-currency wallet management (Tenge, USD, EUR, etc.)
  • In-app loan application and management system
  • Dynamic loyalty program with category-based rewards tracking
  • Integrated currency exchange with market rate comparisons
  • Customer journey analytics dashboard for behavioral insights

Technology Stack

Swift
Kotlin
Azure DevOps
Yandex.Maps
AppMetrica
TestRail

Third-Party Integrations

  • Payment gateways (Wayforpay)
  • Identity verification services (Creditlogic)
  • Push notification platforms (PushHub)
  • Fraud detection systems (Oz Forensics)

System Requirements

  • 99.9% uptime SLA with multi-region redundancy
  • Sub-200ms response time for core transactions
  • PCI DSS Level 1 compliance
  • Support for 10,000+ concurrent users
  • Accessibility compliance (WCAG 2.1 AA)

Expected Business Outcomes

Projected 40% reduction in customer acquisition costs through streamlined onboarding, 25% increase in digital channel adoption, 15% growth in cross-sell opportunities via personalized offers, and 30% improvement in customer satisfaction scores. The solution will position the bank as a digital leader in Kazakhstan's competitive financial market.

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