CHALLENGES
We’ve gathered the most common challenges that leave banks stuck in neutral. These are strategic barriers and overcoming them will decide who wins the race for the mobile customer.
Declining engagement—the app doesn’t stand out, payments feel outdated, and customers turn to competitors with modern UX and value-added services (VAS).
Low engagement and weak loyalty—onboarding and customer service are overly complex, while personalization is reduced to the bare minimum. The app neither builds relationships nor supports cross-sell.
Rising cost of change and development—every modification takes months and requires significant budgets. Siloed systems block integrations with CRM, scoring, and AI.
Regulatory pressure stifling innovation—compliance slows down releases, while PSD2, GDPR, and AML requirements limit the pace of mobile innovation.
SOLUTION
We deliver a complete set of solutions that help banks revamp their mobile app and give it a strategic role—without the need to rebuild from scratch.
What we deliver
We simplify onboarding (biometrics, eKYC), enable instant transfers and recurring payments, and integrate with Apple Pay, Google Pay, and BLIK.
The result
Customers activate the app faster, use it more often, and stay within the bank’s ecosystem—driving retention and increasing cross-sell potential.
What we deliver
We enable processes to continue smoothly across mobile, web, and branch without data loss (for example, an application started in the app can be completed with an advisor).
The result
Higher conversion in sales processes, fewer abandoned applications, and lower service costs.
What we deliver
We integrate the app with CRM and scoring engines, implement real-time product recommendations, and add chatbots and voicebots for self-service.
The result
Higher sales of tailored products, lower servicing costs, and improved NPS.
What we deliver
We modernize the existing app into a modular (microservices-based) model, enabling the bank to develop and test new features independently of the core system.
The result
Time-to-market shortened from months to weeks, reduced IT costs, and greater strategic flexibility.
What we deliver
We ensure compliance with PSD2, GDPR, and AML through built-in security components—without touching the core banking system.
The result
Reduced regulatory risk, faster project delivery (compliance no longer blocks releases), and greater customer trust.
What we deliver
We connect the app with CRM, scoring, AML systems, and fintechs via APIs.
The result
Easier rollout of new products, faster response to competition, and expansion of the offering without risk to existing infrastructure.
In 2025, we launched a new mobile banking app for Bank Al Jazira, serving both retail and corporate customers across the GCC region.
Results
Awards
Best Digital CX – Account Opening & Customer Onboarding (Digital CX Awards 2025, Saudi Arabia)
The app was rebuilt in a modular model and integrated with CRM, scoring, and payment systems. This gave the bank the ability to launch new products quickly without costly IT projects—while customers rated the solution as one of the best in the region.
PARTNERSHIP
Innovation from scratch
We’ll build a new mobile app from scratch, tailored to your customers’ needs and your bank’s internal processes—acelerating time-to-market and reducing the cost of future adjustments.
Strategic insights
We’ll conduct user and competitor research to identify best practices, avoid costly mistakes, and define functional priorities with confidence.
A new life for your app
We’ll modernize your existing application by improving UX, performance, and regulatory compliance—boosting security, customer engagement, and reducing churn.
Filip Wachowiak
Business Development Manager
