Smart Mobile App for ČSOB Bank
Strengthening key positions in the Smart mobile app development teams and establishing long-term collaboration.
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Project Overview
Our successful collaboration on the non-banking mobile app DoKapsy opened the door for us to actively participate in the development of ČSOB’s primary banking mobile application, Smart. Another key factor was the bank’s vision to expand collaboration with multiple independent suppliers to eliminate inefficiencies and enhance development quality. Since 2023, our involvement has been steadily increasing, with Flow developers gradually taking over key roles in various teams for both iOS and Android platforms, following the previous supplier.
The app’s native development follows the SAFe (Scaled Agile Framework) methodology, which ensures efficient cross-team collaboration and the continuous delivery of innovations and new features. The mobile application is built on a modular architecture and uses modern frameworks such as Jetpack Compose and SwiftUI.
As part of an international team within the KBC Group, we are also contributing to the development of the virtual assistant Kate, which enables ČSOB Smart users to manage a wide range of everyday banking and insurance tasks via voice control.
Highlights of the Collaboration
- Etnetera Flow becomes the main external partner for mobile development
- We provide key development expertise and drive innovation
- The development follows agile SAFe methodology with cutting-edge technologies
- We contribute to the development of the virtual assistant Kate within the KBC Group
- We are building a long-term partnership within the entire Etnetera Group
Project Challenges and Objectives
Joining an Ongoing Project
Leveraging our expertise in the banking sector and agile project methodologies, we successfully onboarded our developers into the teams in a very short time to the bank's full satisfaction. We are experienced in multi-vendor environments and collaborate efficiently with ČSOB’s mobile development leadership and other team members. We regularly assess our cooperation and scale our involvement based on current opportunities and needs.
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Knowledge Transfer & Innovation Support
One of the key values we bring to the bank’s mobile development environment is external know-how from designing and developing apps across various industries. In projects like this, our goal is not just to handle individual tasks but to contribute to strategy, innovation, and long-term planning of the entire app. With ČSOB, we have been successfully achieving this goal over the long term.
Provided Solution
Results
Thanks to the rapid stabilisation of development teams and an agile approach, we have consistently met both the development and strategic goals of ČSOB Smart. The mobile app ranks among the best banking applications on the market, as confirmed by its high user ratings in app stores.
Our expertise in mobile banking development now includes enhancing the mobile app architecture, developing key mobile banking features, SDK implementation, online business processes and onboarding, and loyalty programmes.
Together with the bank, we actively contribute to development plans and drive technological and product innovations in the retail mobile banking sector.
Current App Features
- Standard banking functionalities for payments and account management
- The onboarding process for account creation
- Virtual assistant Kate
- Loyalty programme
- Click to Pay functionality
- Savings features such as Saving Envelopes, Rounding Up, and Charity Donations
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