mobile banking app case study

We have begun work on updating the JSON of ATMs and offices, which made it possible to remove the duplicate displays on a map. In previous versions of the mobile bank, one could order a card at the login screen, but for most of the order the user was redirected to Safari. Push Notifications and In-App Messages Case Study Finance With a presence in 75 countries and nearly 200,000 employees worldwide, BNP Paribas is a major bank … Anton Poderechin, iOS-developer Redmadrobot, “Swift is more like syntactic sugar, as it is nicer to write in, it is easier to format, and code is eventually readable. In the context of personalizing banking products, our task was to learn how to display the required card data which was only relevant to its type, tariff plan and loyalty program. Since this application is a mobile bank, we give priority to the observance of best practices and safety standards. It's not just a banking app. Download the case study At the time being users could control their account settings and receive personalized offers from the bank via the “Profile” (in the future it will be completely personalized), and all the information will appear only in the proper context. By discovering the user's pain points and problems, we made many improvements to sky-rocket the customer experience. Among the main changes: Expanding the prelogin zone possibilities. Tasks at the start of the project were as follows. The Bank of Jordan’s new app captures the temper and richness of the Jordanian spirit, offering the ultimate user experience. In terms of the scenarios applied, our “favorite” MVC used a lightweight (lighter) view of controllers and distinguished delegates, data source and other auxiliary facilities. In the project Open Bank, the implementation of only a few units were not affected by the transition to a new programming language. In fact, the layer of data processing and communication with the server was completely re-assembled and reinterpreted. They wanted to make it possible for users to perform as many operations as possible without the necessity of going to the banking branch. We continue to actively use the practice of reusing code, which allows you to maintain a single architecture to reduce the development time of several projects as well as improve reliability. We have reused a single framework of business logic including the service layer, transport, and DAO and are now working on code generation parsers, compilers and database models. This is due to the ease of supporting, debugging, and developing such a code. After a while a specific protocol was invented in the app: payment schemes in which the server sends a set of fields required for payment. By January, we presented the design concept to the customer of what a mobile bank should be in the absence of resource constraints and limitations due to the integration with the customer’s systems. The trigger: According to Forrester’s Global mobile banking report, mobile banking in India isn’t yet world class. Over-featurizing confused BOJ's users, and they ended up desperate because of the inability to perform even simple frequently used actions like reviewing their checking account balances. In addition, the app looked and felt outdated and didn't fulfill the users' expectations on how modern mobile banking should look. View case study. Alex has dedicated half of his life to studying human psychology, as well as business success, developing 100+ digital projects and 30+ startups. Thanks to this, no project is complete without such basic things as SSL-pinning, protection from debugger connections, protection from launching on jailbroken devices, removing the caching of web requests, paying very careful attention to the data that is stored in the database, and much more. As a result, there were plenty of dissatisfied customers who were angry about spending unpredictable waiting times at the branch and getting robbed of activities that are more important in their lives. In a step-by-step UX case study, we guide you through this unique digital transformation that completely changed the way so many people view their banking. For example, we provided the users with immediate and simple accessibility to the information about their balance, as that is one of the most important and frequent tasks. As the satisfaction rates of their clients have steadily grown since the launch of the new app, we are eager to share this victory story with our readers to demonstrate the huge impact user-centricity has on the success of digital banking. The bank was at that point operating by standard waterfall processes and did not know how to break up the large features and implement them in parts, but gradually we began to decrease the length of iterations — we moved to Agile and now release every two to three weeks. By teaming up with UXDA to create a comprehensive UX transformation. Digital Banking App. Open Bank has been found to have zero critical security vulnerabilities. At some point, however, there comes the need to carry out a radical change of the system to reach a new level — in Japanese business terminology, this is called kaykaku. As a testament to the bank’s ability to adopt lean, agile methods of building digital products, the cross-functional teams of Devbridge and the bank continue to release product updates at a predictable, rapid cadence. This way, we ensured that whenever a user is on their way, a money transfer to a family member or friend can be made with only a few taps. This provides great opportunities for new user scenarios. My Case Study Hub Case Studies With 1336 mobile marketing campaign case studies to review, this is the #1 resource for marketers seeking to activate the innovation of marketing through mobile. This greatly helps us find the right vector of development and thus insures against serious mistakes.”. It was clear right from the beginning that in order to make the app excel with its elegance and energy, its background should be dark for the bright, refreshing color accents to stand out. UXDA stepped on the Finovate Europe 2019 stage in London beside other world's leading finance innovators and influencers to demonstrate which direction the financial industry is heading to. The main thing is that we saw that Swift could meet all safety requirements, which was the starting point. We also did it in an energetic and dynamic manner that brightens the customer's day and adds emotions to their daily financial lives. For us at Redmadrobot, along with the Open Bank Digital Team, the time to radically upgrade the iOS app arrived at the end of last year. BOJ realized the growing need to provide users with easily manageable finances whether it's  checking the account balance, making bill payments or transferring money from anywhere, even on the go. Remaining Relevant in Today’s Mobile App Market. After the UX transformation done by UXDA, the Bank of Jordan’s new mobile banking app received the leading global professional services company's Accenture recognition as the “The Best Digital Design 2019.". Jepleting (2013) studied the effects of mobile banking on customer satisfaction … Get the latest financial news from Citi, the worldwide leader in consumer and corporate banking. When this was formed, we were able to move on to the next stage─materializing all of it into the look and feel of a real product. Petrol filling station app. So the random encounters you have inside the game, the game will extend to the app — to real life. Since launch RBC says that client engagement with its mobile banking app has increased by 20%. Alex is a passionate visionary who's capable of solving any challenge to improve the financial industry. This allowed us to construct detailed step-by-step descriptions of how the new mobile banking app should work in order to satisfy the users in the best way possible. Take a look at what the world's TOP 10 banking and fintech influencers like Bradley Leimer,  Theodora Lau,  Spiros Margaris and Alex Jimenez have said about this case study. Through a UX transformation, they have become one of the most dynamic pacesetters of the whole Middle Eastern banking digitalization. Of course, it is not perfect, with a weak debugger, refactoring that does not work, and IDE syntax highlighting which isn’t the best. The mobile banking caused many questions for the customers they weren't able to sort out by themselves. Use Case Diagrams For Mobile Banking. Mobile banking doesn’t mean a smartphone app; it means being close to the customer when and where they need us and talking in their language, literally and figuratively. Mobile Banking. -- Summary of what Julian learned from banking service providers, analysts, and security experts on the mobile threat landscape; and-- Why to constantly verify you are receiving up to date advice and guidance. There are various mobile banking applications available in market. Through all of the processes in the UX research and engineering stage, we crystalized how the new BOJ mobile app should work in order to provide the best possible experience and usability for its customers. ), Templates of popular operations are displayed at the top of the home screen, and they can be created directly through the app, Payment and money transfer services can now be done in a couple of taps, A quick refill button appeared in the payment field, Quick transfer of funds via phone number to Open Bank customers, We thought of the new “Profile” section as a center of account management and communication, Personal contextual offers from the bank in the “Profile” section, A communications unit on the home screen with personalized suggestions for the user, Contextual the Call-to-action buttons for all of the key products of the bank. Arita bridges the gap between the clients' vision and a financial product that they demand. Leonid Borisov, art director at Redmadrobot, “Our task was to optimize user workflow for the majority of actions — to reduce the number of steps, to supply content more easily, and to start moving in the direction of a more personalized service.”. It took six months for the Bank of Jordan’s mobile banking app to go from a 2.8 to 4.7 star rating on Google Play. As you walk around, Majima will appear, and you need to fight him. Our next plans include adding listings by subway stop, listings of where ATMs currently aren’t, and a button to file complaints regarding ATMs. Please be advised that this site is not optimized for use with Microsoft Internet Explorer 6. To achieve this, it was time to move to the higher levels of the Product Value Pyramid and make the mobile app usable and also aesthetic. Nationwide needed a mobile app that would help them stand head and shoulders above the crowd. In our case, this moment came at the end of last year and was spurred on by two factors: businesses and users demanded a serious functionality expansion, which crowded the design, while the technical side deemed it necessary to “chop off their tails” by stopping supporting older iOS versions and going to Swift to create a platform for future development. After the UX transformation, the app's Google Play and App Store rating rose from 2.8 to 4.7 stars, and it has maintained this rapid increase. For those who have iOS 8 and earlier versions, it is available in the latest version of the old design, in which we have maximized updates like renaming products, creating templates, and repaying loans early. Due to complexity and information overload, users weren't able to use the mobile banking app to its full potential. To make the design unique, vibrant and bright, UXDA's Art Director used brave gradients and shaded and colored parts of the screen that made it “pop out” on the dark background. That’s the way of thinking that brought us to our mobile bank’s name, inSync (you can watch a brief video about inSync here ) . Create a library that compiles to NPM and Jar with Kotlin Multiplatform, Kotlin/Multiplatform Fat Framework for iOS. But then, of course, we had to prioritize. To study the advantages and disadvantages of mobile banking. The foundation of creating the new Bank of Jordan app lies in the UXDA's unique Financial Design Methodology that consists of the Product Value Pyramid, Design Pyramid and the Experience Pyramid. In this scenario, I make all the data registered into the bank first. Tennessee Valley FCU shows mobile banking best practices by driving adoption and better member interactions with its mobile banking app, Mobiliti from Fiserv. The initial Bank of Jordan (BOJ) app had quite a wide range of functions to offer its customers. The banking app can be time saver for your busy life. We provided users with the power to manage their money to handle all daily financial operations from their home or “on the go,” eliminating the need to go to the branch. Extensions and custom UI elements are often reused in different projects. We redesigned the prelogin zone, with the unauthorized mode no longer functioning exclusively for Open Bank customers. Ceasing support of older iOS versions (only 9 or above); Transferring development from Objective C to Swift; Maximizing usability comfort via the platform tools (quick access to functions through a 3D Touch, Spotlight Search, etc. Siri Kit was introduced at the last WWDC, and Apple opened an API to communicate with its smart assistant. We have collected almost 500 samples and parameters lik e age, cash limit, occupation etc considered for this study. Payment scheme and instant commission calculation. In the reviews about the new app, users are thankful and relieved for the banking application that saves them time and has become an assistant in daily tasks. We are proud to announce that UXDA is named ‘One to Watch’ in the business excellence list published by the European Business Awards 2019 - one of the world’s largest and longest-running business competitions. You can also send money to anyone fast and easy. How? Mobile banking has become a fundamental method of service delivery and a crucial customer engagement tool for all of the major UK banking players. People were excessively complaining about its complexity, outdated look and overall inconvenience. The unique Financial UX Design methodology was developed over a period of 15 years and has already proven itself by ensuring success for more than 70 financial institution digital products in 27 countries worldwide. Making the Account. Reimagining the experience of the longest established Singapore bank — a UX case study. A core team of team lead, design teams and project managers was busy in both directions at once. Download the Case Study. View the full case study here Open Bank was predominantly written in Swift 2.2.1. It also says that average time-in-app increased 6% and that more than 100 million insights were read by clients in the first five months alone. We installed a customer support chat in the new Open Bank application in order to relieve the call center and give people the same kind of communication channel which they are accustomed to in everyday life. Digital Banking Solution is iOS and Android-based app to deliver the ultimate mobile banking solution. These fields can be limited to an input mask, a set of valid values, regular verification, dependence on other fields and others. Many huge and influential market players have launched new mobile banking apps for their retail customers. To implement this concept, we started with a new communication block on the main screen and the “Profile”, which is the center of communication with the user. To keep within the scheduled release time, the task of each team member was laid out every day for two months in advance and constantly adjusted on the fly. player in the investment banking industry. The app acted as a one stop portal to access customer banking and financial info. Other features in our plans include making transfers from other bank cards, paying utilities by barcode, paying for parking, and more. This especially includes cell phone bill payments, but also encompasses all payments in general. We also created a totally new way to conduct money transfers, because we discovered that users have some specific recipients to whom they want to transfer money, and new money transactions don’t happen too often. This database is not publicly available, and in fact we had to make it by hand. 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