Mobile apps have also become an indispensable channel for banks to reach their customers. Digital design ensures that the needs of customers are met in a contemporary way and that innovative, new and attractive services become part of the customer’s everyday life.
Digitally designing mobile financial apps
A great user experience makes using banking applications an indispensable part of the daily handling of money and assets.
The following services and information offerings can, for example, be bundled into an app and made available to bank customers with all the advantages of mobile access:
- Integration of finance portals (Smarthouse one)
- Services for corporate clients/SMEs (open banking)
- Transferring money to mobile numbers
- E-banking, Scan & Pay, balance overview and transactions, notifications
- Buying digital credit for mobile phones, iTunes, Google Play, paysafecard etc
- Overview and monitoring of credit cards
- Digital cards, digital payment at PoS NFC
- Multi-banking, making account transfers
Multi-banking to other financial institutions can either be provided by the bank’s app as a portal (storing the access data in the bank) or as access to the PSD2 ecosystem:
The digital transformation exerts massive pressure to change existing processes and has resulted in a significant realignment of existing IT solutions to create a new and attractive user experience.
This means the solution patterns as well as the design and development process change to reach a solution that meets the new requirements. adesso draws inspiration from the Digital Design Manifesto in this case.
DIGITAL TEMPLATE
Digital templates for the product/process/service/business model/system design of mobile apps.
- Inside out -> outside in
- Fast onboarding for apps, in-house products and third-party products
- Specific security requirements for old and new mobile customers, encryption
- Support processes for implementation and operation
DIGITAL DESIGN MANIFESTO
- Good digital design
- is useful and usable.
- is evolutionary and explorative.
- focuses on the whole person.
- anticipates the impact of its results.
- is sustainable and creates sustainability.
- pays attention to data protection and data security.
- appreciates the analogue and digital realms in equal measure.
- uses the digital realm where necessary.
Successful digitalisation and digital transformation require a rethink in software development. Please read bitkom’s exciting publication to learn more.
Mobile apps and services in the cloud are examples of new IT resources to provide services flexibly. In order to be able to implement this in ever-shorter timeframes, adesso relies on the following concepts:
- Infrastructure as code
- Continuous integration
- and deployment
- Static code analysis and security scans
- Automated tests and load tests
- Acceptance test-driven development
Source: sonar qube
An agile approach means choosing the right evaluation and visualisation tool for every innovation challenge or complex, complicated or unclear task. Only then does the effort and expense required to gain experience and find solutions make economic sense. The adesso team has the relevant experience from numerous customer projects and uses appropriate tools:
WIREFRAMES AND DEMO
- Static prototype, user interfaces
- User flow, if necessary
- Clickable demo
FUNCTIONAL PROTOTYPE
- Selected, complex scenarios
- Incomplete!
MINIMUM VIABLE PRODUCT
- First instance that provides a real benefit to the user
- Minimal amount of functionality
PROOF OF CONCEPT (POC)
- Proof of the feasibility of using certain technologies
- Implementation of a small number of functions/specific product aspect
- Incomplete!
PILOT PROJECT
- Initial introduction
- Limited scope or user group of the definitive solution
The focus on an excellent customer experience is a crucial feature of the digital transformation. It ensures that an adequate economic value added is provided for the customer. adesso cooperates with ARITHNEA in this field.
If the customer experience is well thought out and designed, customers will be satisfied with their shopping experience. At the same time, expert interviews reveal that these companies did not manage to do this overnight – they completely reorganised themselves. They have moved away from processes and products and towards the customer experience.
Boris Bohn, managing director, ARITHNEA
The customer journey visualises the points at which a customer contacts a company while purchasing a product, or from a prospective customer to a customer and partner of the company.
- The focus is solely on the customer, whose decisions determine the success or failure of companies.
- The customer experience thus becomes the decisive differentiating factor.
- The company that best serves the specific needs of their customers and prospective customers at each individual touchpoint is one step ahead of its competitors.
- We have developed the ARITHNEA Brand Canvas (ABC) project tool so that companies can set up optimal value-adding customer journeys.
The business analysis ensures that all requirements can be factored in correctly and are understood by everyone equally. In this respect, we rely on the IREB standard and apply proven concepts, tools and procedures to ensure that all relevant requirements are incorporated into an attractive solution for the end user.
REQUIREMENT MANAGEMENT TASKS:
- Obtaining the commitment and approval of the stakeholders
- Ensuring the traceability of requirements and acceptance criteria end-to-end
- Management of the scope depending on the progress of the project (release, iteration or sprint)
- Active product ownership as an interface between business and implementation with scrum, kanban or SAFE
- Anticipatory risk mitigation
QUALIFICATION OF EMPLOYEES:
- We rely on systematic requirements engineering training based on IREB certifications.
- We have achieved the highest status in the IREB partner programme: Platinum.
- Dr Kim Lauenroth, Chief Requirements Engineer adesso SE, represents our company on the IREB e.V. Executive Board.
Backend services implement the open banking APIs at the bank or at the FinTech partner
With DevOps, our developers follow a modern development process and routinely use the following frameworks, tools and libraries to implement services on the server side with sustainable quality:
ADESSO DEVOPS COMPONENTS AND TOOLS
- Docker provides a de facto standard for the containerisation of applications.
- Kubernetes is the de facto standard for the orchestration of containers.
- OpenShift is a platform as a service (PaaS) suite for container cluster management and is enhanced with application lifecycle management and DevOps tools.
- Terraform is an open-source infrastructure as code software tool from HashiCorp. It enables the definition and provision of a data centre infrastructure using a high-level configuration language known as HashiCorp Configuration Language (HCL) or optionally JSON.
- Other tools Jenkins, AWS Fargate, Clair
Docker, Kubernetes, OpenShift: hype or revolution in IT?
Find out more in this exciting interview with Michael Johann. Michael Johann has been working in IT for more than 25 years and has identified many a trend early on in his lectures.
Taking an agile approach to a project is not only a method that can be applied, but it is only successful if the right people interact with each other. For this purpose, we offer the Interaction Room as a moderation concept with which the project participants are aligned to a common course using a proven method.
PARTNERSHIPS AND CONCEPTS
Do you have questions?
No website and no brochure can replace a personal conversation about your goals and issues. I look forward to hearing from you.
Head of Banking Christian Scholten +41 58 520 97 10
