An Omnichannel Digital Banking Platform
Angular|CI & Jenkins|Google Maps(AR)|Highcharts.js|Ionic3
Custom Software Development|Front-end Development
Dedicated team behind the project
what was done
We successfully developed a unique banking platform compatible with all mobile technologies, including SMS, USSD, mobile web, and app, designed for secure management of sensitive data. The migration to AWS has enhanced the platform’s efficiency.
Our engineers developed several MVPs to determine the optimal technical solution. We transitioned the existing code from AngularJS to multiple Ionic versions, then proceeded to develop new features from scratch for improved functionality.
Additionally, the app has been upgraded to a multi-tenant architecture. This allows for efficient customization of the UI for different bank clients.
Implemented Features:
Our team developed multiple proofs-of-concept to explore the potential of a new technology stack. Through this process, our engineers were able to identify the most effective solutions for the project.
We strategically migrated from AngularJS to Ionic before adopting a new approach and developing features from scratch.
The app now has new, user-centric features such as the ability to send money between mobile phones, view banking information offline, and accept or redeem loans.
We’ve crafted a flexible, white-label platform interface, enabling banks to tailor the app with their unique branding and features for a personalized user experience.
Additional features
- Optimized the software for multiple platforms.
- Added real-time directions to the nearest bank branch location.
- Provided the analytics and charts of the users’ spending.
- Enabled touch ID identification.
- Ensured quick document upload.
The client
CR2, headquartered in Ireland, is a leading vendor in the Digital Banking Platform market, particularly strong in Africa. They provide comprehensive digital, self-service, and payment solutions to over 100 banks across 60 countries, aiming to enhance customer experience and grow business efficiencies. The company’s diverse product range, including solutions for mobile, internet, and various self-service channels, is a significant market differentiator.
Today CR2’s flagship platform, BankWorld, supports multi-entity capabilities and is used by both local and international retail banks, including major clients like Standard Bank and Barclays, with many relationships exceeding two decades.
Client Achievements:
- ISO 27001:2022 Certification
- PCI Secure Software Standard (PCI-SSS)
- PCI Secure Software Lifecycle (SLC) Qualified Vendor
- EMVCo Approval
THE CHALLENGE
The client required a digital banking platform with omnichannel capabilities, offering various banking features and a Zero-Capex commercial model to increase profitability.
The existing mobile banking platform had an outdated UI and slow performance due to legacy code. The objective was to migrate to a suitable technology stack and develop app features compatible with multiple mobile operating systems and devices.
A significant challenge was developing a UI that allows third parties to customize features. Our team had to comply with FinTech software development regulations related to handling sensitive user information.
Results
The client received an award in The Global Edition of Celent’s Report 2020 as the Top Performer
The system became fully security compliant, and had been undergoing penetration and vulnerability testing quarterly. Security experts regularly reviewed the codebase, ensuring adherence to security standards
Optimized for Android, iOS, and mobile web browsers
The platform allows each bank to personalize the app in line with their brand identity through CSS variables
Tech stack
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Daniel
Head of Engineering at Ralabs
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