Mobile Banking App

Creating a next-gen mobile banking app for one of the main commercial banks in Kazakhstan that provides services for both individuals and small & midsize businesses since the 1994 year.

iOS

Android

Client’s location

Almaty, Kazakhstan

Tallium team

Project Executive
Business Analyst
Technical Writer
Project Manager
2 UI/UX Designers
2 Quality Assurances
3 Android Developers
3 iOS Developers

Timeline

March 2020 - April 2021

Challenges

The bank’s previous mobile app was released in May 2014. Since that time the world’s digital banking market has changed the same as people’s behaviour on internet use. For example, internet users quantity increased more than in 2 times, mobile internet quality also became better, the average time spent on mobile apps increased by 50% and a lot more increased for financial apps - 65%.

Everything this requires streamlines in the on-boarding process for better client retention and sales bank’s products, that the first version of Smartbank app couldn’t provide.

Project flow

Project discovery

Design & Develop

Deliver, Optimize, Enhance

Project discovery

Research & Analysis;
User personas & User journey;
Defining key metrics(KPI);
Project concept;
Project scope & Roadmap;
Required documentation.

Design & Develop

Information architecture;
Wireframes;
Prototyping;
UI/UX and graphic design;
Development;
End-to-end testing.

Deliver, Optimize, Enhance

Product deployment;
Transition;
Validation, Results evaluation;
Maintenance & Support;
Optimization;
Enhancement.

User Personas &
Customer Journey Maps

Svetlana Nesterova

30 years.

High school teacher

Madiyar Akhmetov

64 years.

Bus driver

Eduard Korchevnikov

29 years.

Manager in a construction company

Anton Kasyanov

35 years.

Sales manager in a car service

Veronica Lapteva

29 years.

Beauty salon administrator

Travel stages

Stage 1. Recognition / Awareness
Discover

Stage 2. Reflection / Decision
I Join

Stage 3. Action
I Manage

Stage 4. Development / Questions
I Manage

I Solve

I Leave

Steps

I research products and find the best deal for me

I find the closest/ convenient way to get a service/ product

I receive a
product / service

I install mobile app

I manage my accounts (top up, make transfers)

I control the movement of funds

I receive and use bonuses for participating in the loyalty program

I am getting advice and / or support to solve a problem

I am closing my account

Points of contact (Online)

Web site mobile banking social networks

Web site

—

Mobile banking

Online chat
Mobile banking

—

User experience

Barriers

1. On the site, the first way to open a deposit is an application through the site. Only after - a mobile application.

2. For the client, the description of the method of opening a deposit through a mobile application is perceived as complicated.

There is no connection between the application and the mobile application.

The promotion of the method of opening a deposit through a mobile application is not developed.

There is no automation when opening a deposit + card account "in one click". Often, financial advisors do not offer to open a card account. Subsequently, the Client cannot make payments in the mobile application / transfers from the deposit.

—

Not a usable application interface, inconvenient for controlling charges and statements in a convenient period for the client.

1. There is no information in the bonus statement about increased interest for open deposits over 6 million tenge. 2. There is no notification in the mobile application if the deposit amount has reached more than a certain amount, from which the bonus program begins to be active.

—

1. Implement push notifications in the mobile application a few days before the end of the deposit period. 2. To enable the client to close the deposit in the application by choosing a convenient withdrawal method for him. (see projected Customer Journey Map for product Deposit)

Stage 1. Recognition / Awareness
Discover

Steps

I research products and find the best deal for me

I find the closest/ convenient way to get a service/ product

Points of contact (Online)

Web site mobile banking social networks

Web site

User experience

Barriers

There is no connection between the application and the mobile application.

Stage 2. Reflection / Decision
I Join

I receive a
product / service

I install mobile app

—

Mobile banking

The promotion of the method of opening a deposit through a mobile application is not developed.

Stage 3. Action
I Manage

I manage my accounts (top up, make transfers)

Mobile banking

—

Stage 4. Development / Questions
I Manage

I control the movement of funds

I receive and use bonuses for participating in the loyalty program

Mobile banking

Not a usable application interface, inconvenient for controlling charges and statements in a convenient period for the client.

I Solve

I am getting advice and / or support to solve a problem

Online chat
Mobile banking

—

I Leave

I am closing my account

—

User flow

From Wireframe to Interface

Wireframes

Interface

Main screen

Wallet

Management and settings

All payments and transfers

Single dashboard for all products

List of accounts with all balances

For card accounts, deposits and loans

At your fingertips

Catalog

Access to all products of mobile banking app from a single section. The option provides you with the following benefits:

Find out details on possible deposit accounts or card products

Apply for a loan, or receive an individual offer from partner stores of the mobile banking app.

Track novelties among the bank’s products or participate in promotional offers.

Online order of a digital card

From now on, there is no need to go to the bank to open a card account. Simply take a photo of the ID, go through automatic identity verification and answer a few questions.

You can choose a card to your own liking and, in a few minutes, perform any card transactions via mobile application.

Credit management

From now on, users can open and close loans without branches and queues.

The user-friendly interface will tell you when the next payment should be made or when the grace period ends.

Smartbank - the fastest opening of a loan in the market of Kazakhstan. All that is needed is - to indicate the desired amount and term of the loan, answer a few questions and confirm your identity.

The bank selects a personal offer according to the most advantageous terms, and in a few minutes, you receive a decision on the loan.

Convenient loyalty program

The user receives up to 3.5% of the payment amount to the bonus account and monitors the mobile application bonuses.

You can choose your favourite category of purchases and receive even more bonuses for spending within this category.

Just click "spend bonuses", and the next purchase will be made using bonus funds.

Online currency exchange.

Fast and secure currency exchange in your pocket.

Open accounts in different currencies (Tenge, US Dollars, Euros, Rubles, Pounds Sterling, Yuan, Swiss Francs) and exchange currency in a few clicks - without additional fees and by a favourable rate from the mobile banking app.

Technology stack

Swift

Kotlin

Yandex.Maps

PusHub

Yandex AppMetrica

Oz Forensics

Creditlogic

Azure DevOps

TestRail

Wayforpay

Card.io

Proud to be a trusted partner

We measure our success by the success of our customers and partners. By helping others win and grow, we aspire to build bulletproof alliances.

Tallium blends practical development with innovative design principles. They have significant UI/UX and architecture expertise, deep market and industry understanding, and well organized to the delivery scheduled. As a result, we got a concept for new mobile banking with the roadmap for a few years ahead.

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