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

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Next-Generation Mobile Banking App Modernization for Kazakhstani Commercial Bank

tallium.com
Financial services
Business services
Information technology

Legacy System Limitations and User Experience Gaps

The existing mobile banking app (launched 2014) fails to meet modern digital expectations due to fragmented user journeys, lack of automation in key processes (e.g., deposit + card account opening), poor interface design for financial management, and absence of proactive notifications for deposit bonuses and maturity dates. These issues result in low client retention and inefficient service delivery.

About the Client

A leading commercial bank established in 1994, providing retail and SME banking services across Kazakhstan

Modernization Goals

  • Streamline onboarding and account opening processes
  • Integrate seamless deposit-card account automation
  • Enhance UI/UX for financial management and statements
  • Implement proactive deposit lifecycle notifications
  • Enable in-app deposit closure with withdrawal options

Core System Capabilities

  • Digital ID verification for instant account opening
  • Unified dashboard for accounts, loans, and deposits
  • In-app currency exchange with multi-currency support
  • Smart loyalty program with bonus tracking
  • Loan origination and management system
  • Real-time transaction notifications
  • Interactive customer support chat

Technology Stack

Swift (iOS)
Kotlin (Android)
Azure DevOps
Yandex AppMetrica
Card.io

System Integrations

  • Core banking system API
  • Payment gateways (Wayforpay)
  • Identity verification services
  • Geolocation (Yandex.Maps)
  • Push notification services (PusHub)

Quality Attributes

  • High availability (99.9% uptime)
  • GDPR-compliant data security
  • Multi-factor authentication
  • Scalable cloud architecture
  • Cross-platform consistency

Expected Business Outcomes

Projected 40% reduction in client onboarding time, 25% increase in digital product adoption, and 65% improvement in customer satisfaction scores through streamlined processes, enhanced user engagement features, and automated financial lifecycle management.

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