Web and Mobile Banking Software for a Bank with 3M+ Customers
Summary
INNERLUXES replaced a major retail bank's outdated online and mobile banking with modern iOS, Android, and web applications serving more than three million customers. The new apps share an identical functional scope and add rich features — account management, payments, domestic and international transfers, transfers to friends, split payments, card limits, and virtual cards.
About the Client
The Client is a renowned retail bank serving more than three million customers through a nationwide branch network.
The Challenge: Outdated Online and Mobile Banking
The Client had been running outdated online and mobile banking solutions with only basic functionality that no longer met customer needs. The bank decided to completely revamp these services and introduce new online and mobile banking that would enhance customer experience and loyalty.
New Online and Mobile Banking Apps
Drawing on long experience in custom banking software and financial-services consulting, INNERLUXES examined the bank's needs and developed an online banking solution and a mobile banking app for iOS and Android, with an identical functional scope across both that covers basic and advanced features.
The basic functionality includes:
- Information on the user's checking, savings, and credit accounts.
- Account management — checking balances and transaction history.
- Payments.
- Money transfers.
- Current exchange rates.
- Location of the nearest branches and ATMs.
- Information on the bank and its products, and the latest news.
Advanced Money Transfers
Because the Client placed considerable emphasis on transfers, INNERLUXES enabled customers to move funds between their own accounts, between accounts and cards issued by the bank, and to an account or card at any other bank in the country, plus international transfers through the local payment system. The team also added more sophisticated money-management features:
Transfers to friends. Customers can send money to a friend using only their phone number, with SMS notifications reminding the recipient to claim the funds within 24 hours using a unique code shared by the sender.
Split payments. A full payment can be divided into two or more simultaneous transactions made by different people. Customers can choose the currency, add comments and attach photos, show or hide information about other contributors, send reminders about due payments, and track payment status. Someone who isn't a customer of the bank can install the app, add a card from any other bank, and contribute to a split payment.
Value-Added Features
INNERLUXES enabled customers to set limits on their cards — for ATM cash withdrawals, POS purchases, or online transactions — and to create virtual cards for specific purposes such as travel or online shopping, improving security and allowing money- or transaction-based limits. Other features let users request bank statements and other documents (for example, for public authorities) online, request a call back from the bank, and contact the bank's representatives via social networks, email, or live chat.
Results
INNERLUXES helped the Client replace its legacy systems with modern online and mobile banking offering rich functionality — account management, payments, money transfers, and more — enabling the bank to engage more customers, build loyalty, and strengthen its position in the financial-services market.
Technologies and Tools
Android: Java 8, Android SDK, RxAndroid, Dagger 2, Retrofit 2, JSON, GreenDAO 3, ButterKnife, Support-v4, MaterialDialogs, MPAndroidChart, Glide, Timber, Play Services, MVP.
iOS: Swift, UIKit, Foundation, CocoaPods, Google Maps API, PureLayout, PromiseKit, TRON, CardIO, Alamofire, AlamofireImage, SwiftyJSON, JSON, MVVM.
Web: HTML5, CSS, JavaScript, AngularJS, WebKit, JSON, MVVM.