TEB bank recognized the evolving needs of modern consumers and strived to enhance its mobile application to provide an exceptional user experience. With a focus on improving both the design and functionality, TEB Bank aimed to meet the highest standards of digital innovation. Therefore, by investing in state-of-the-art infrastructure, we supported the seamless integration of new features and the rapid development of innovative solutions. This digital transformation empowered clients to conveniently perform.

What we did to enhance the user experience was to build a more modern and seamless user interface, allowing for smooth transitions between screens. Our team used Java for Android and Swift for iOS as the primary technologies. In order to ensure sustainability and to streamline the management process throughout the applications’ development lifecycle, we employed MVP software architecture for Android and Viper for iOS.

We designed an app from scratch so that the client experience would be optimized to the fullest, with products exclusive to the mobile app.

Buying and selling investments was quick and easy, including trading foreign currency, gold, funds, and stocks. Contactless payment was also optimized by using QR codes and NFC technology. With QR codes, users were able to securely transfer money, withdraw or make deposits at an ATM, and much more.

Furthermore, with the new app, client acquisition process accelerated by allowing virtual applications. Previously, only in person applications were being processed. However, with the CEPTETEB app users now can become a client within minutes by simply downloading it. After providing their personal information, users could take a photo for identity purposes from different angles using the camera on their phone, read the chip in their ID with the help of NFC technology, and easily become a customer after a short online call over ConnectTEB to do a final round of security checks.

Virtual application capability provided an additional 250-300 daily new TEB clients. To put things in perspective, TEB’s remote client acquisition market share for retail clients in Turkey reached a high of 8.7%. Summing up, with CEPTETEB, majority of the banking task can now be processed through mobile devices as a self-service application.

OBSS recognized the glaring need for a mobile app that could facilitate, support and expedite business for TEB’s corporate clients, while also strengthening client relationships. TEB collaborated with OBSS to develop a cutting-edge new app.

OBSS designed forms that used everyday language on a single screen and ensured that everything was compatible with the latest technology. During development, Java was used for Android and Swift was used for iOS. To ensure sustainability and administrative convenience in the development lifecycle of the app, OBSS utilized MVVM software architecture for Android and the MVP software architecture for iOS.

Corporate clients provided with the ability to utilize various critical features straight from their mobile devices, including managing multiple accounts, conducting recurring credit transactions, utilizing approval mechanisms, and calendar apps. They were also able to monitor their POS account balances in real-time and quickly report any issues or request materials. Additionally, an innovative solution was offered where clients could scan the QR code on their check to instantly determine if it was guaranteed.
By using a more user-friendly interface, we formed a closer bond with the client, and new features were introduced to encourage more app usage. As a result, users were able to perform many transactions without needing to visit a physical branch. Thanks to the remote client acquisition feature, becoming a corporate bank client was made more accessible and could now be done within minutes through the CEPTETEB İŞTE mobile application, where previously it was only possible by visiting the bank in person.

● Competitive Ability: To compete with insurance companies that were able sell online auto insurance through alternative distribution channels in the industry in the fields of new client acquisition
● New Client Acquisition: The fact that the challenges faced in gaining new insurance customers due to the difficulty in canceling annual products at any time without any loss of earnings could not be overcome with classical insurance products and campaigns
● End-to-End Service/User Friendly Interfaces:The lack of integration between the 3rd party basic insurance application used for sales and the applications used to track after-sales services, increasing difficulties in enhancing client satisfaction and loyalty.

Thanks to the architectural infrastructures developed by OBSS using cutting-edge technologies, a visionary new generation auto insurance product was developed and all insurance sales & after-sales services of Unico Sigorta were transferred to the digital environment.
UniKasko’s Modular and Flexible Offer Option
With UniKasko, new generation of auto insurance product which is subscribed once and paid monthly, and which the clients can cancel at any time, take a break with the Stop / Start feature, and thus pay as they go was developed.
UniKasko is developed as a modular product with extended auto insurance coverage and the ability to dynamically add/remove coverage.
Stop-Start Option
For clients who take a break from using their vehicles from time to time, the Stop/Start option was developed so that a request can be submitted via the UniKasko mobile application in order to prevent overpayment of premiums during the non-use period, thus saving time for clients thanks to fast transaction notification.
Unikasko Mobile App Development
Via the UniKasko mobile app, clients can;
● Purchase UniKasko offers and policies,
● Access all details about the policy,
● Make use of the Stop / Start option, which is only available in the mobile app,
● Purchase special campaign products that are only available to UniKasko clients,
● Access their cards stored in a secure environment and edit their card information,
● Contact client services with a single click for damage reporting and damage services.
Excellent client experience design
Faster, more flexible and automated process updates were introduced to reduce client transaction times and to improve the user experience. This led to an increase in customer satisfaction and loyalty.
The fact that clients can make payments without exhausting their card limits with monthly subscriptions and monthly payments has completely altered the perception of renewing the annual auto insurance policy thanks to the customer experience designed with the new generation of auto insurance product.
Differences We Make (Highlights)
Increasing Revenues
Generating Sales Channels
Being a Pioneer in the Market
Acquiring New Clients
Enhancing Client Satisfaction
Increasing Client Loyalty

● Using digital channels much more effectively, the younger generation preferred the new generation of auto insurance and UniKasko quickly became the choice of young consumers.
● 71% of Clients who were satisfied with the UniKasko product and their digital experience purchased at least 1 additional product from Unico Sigorta.
● 1 out of 5 UniKasko users made use of the Stop-Start option to pause their UniKasko insurance when they were not using their vehicle and to re-start it upon their return.
● Women preferred UniKasko due to easy access to the product through all digital channels such as the website, call center and mobile app as well as the ability to request instant support via the mobile app in case of damage. Women constituted 30% of UniKasko Clients.
● With the new generation UniKasko product, which is subscribed monthly, paid monthly and renewed automatically on a monthly basis, the perception of annual policy renewal in traditional auto insurance products was replaced by a newly designed experience in which insurance is renewed on a monthly basis and clients are informed about the monthly premium before renewal. Thus, client loyalty was ensured without the need for new offers.
● The ability to make payments without blocking card limits thanks to monthly subscriptions and monthly payments has created an alternative for clients who were not planning to purchase an auto insurance product due to affordability and increased the acquisition of new clients.
● In addition to product sales, functions enabling product-related operations were developed in the Retail Online Transactions channel for monthly payment follow-up and actions and for allowing these actions to be taken by the client . Thus, not only labor force gains were achieved but also new client s were acquired thanks to prospective clients who wish to complete their transactions from where they left off without intermediaries and through digital channels anywhere.

Due to the pandemic, transfer of required documents whether for record keeping or signatures was often delayed specifically for new customers. Subsequently, these delays led potential customers to seek alternative ways to access loans faster reducing the financial throughput of ING.

We completely renovated the infrastructure for evaluating private companies and enhanced the loan options offered to customers. In addition, we also reduced and optimized the time to respond to the customer by rewriting the entire processes in the credit evaluation step in accordance with the micro-service architectural infrastructure. Thus, we hiked up the previously lower levels of loan approval and loan utilization rates. We promoted the introduction of easy-to-use applications by focusing more on user experience.

We shortened the process of becoming a customer by introducing a digital document approval option instead of the courier booking step in the application procedure. Thus, we have enabled private companies to become ING customers by filing an application online in a very short time, just like retail customers. We also offered customers credit card and overdraft account options along with the loan in order to increase the options available to customers when they needed urgent cash to trade during the pandemic.

Web site
iOS app
Android app

With these improvements, we managed to increase the approval rates of customers’ applications to the targeted levels. The most recent reports reveal that 1 out of every 2 customers who were granted an approval has completed the developed loan application process.

There was a lot of demand from users for trading in foreign markets. Users had to either download a specific application and to conduct transactions from different locations or visit the branches for manual transactions.
In addition, since foreign market transactions could be performed via the mobile applications of some banks, it was essential in terms of competition for Akbank mobile to enable these transactions.

Via integration with the Saxobank platform, the users are enabled to follow and trade in foreign share markets.
The users are also enabled to complete transactions such as foreign share account opening, cash deposit / withdrawal or account closure via Akbank Mobile and then connect to the Saxobank webview screen via the mobile app.

Instead of opening accounts and depositing money from different platforms, users can easily and quickly complete all account opening, cash deposit/withdrawal transactions over a single system directly via Akbank Mobile
Improved user confidence due to the presence of a reliable intermediary such as Akbank
Ability to follow and trade in foreign stock markets quickly via the mobile app

Banks and financial institutions have to follow certain legal procedures even in their most basic transactions. The most basic of these procedures is obtaining approval from the customer with a wet signature in order to carry out product and order transactions.
In order to obtain such an authorization, either a bank employee has to contact the customer or the customer has to visit the branch to carry out the transaction. In addition to this inconvenience, pages and pages of contracts must be signed even for the simplest product or order transaction.
Some technical challenges faced during the project are the requirement that the display should be dynamically operable for numerous products, incorporate an infrastructure suitable for different types of contracts, and that a prompting notification should be sent to the customer’s mobile application as soon as the product or order is entered. When new products are to be incorporated into the Mobille Bitir infrastructure, they should be integrated with very minor adjustments.

Integrations were performed for 2 different flows that customers can approve from the mobile applications. A dynamic structure was established with the sales team for product launches and sales, and with the process team for order approvals. This structure ensured that digital approvals could be obtained by displaying information from the relevant expert teams on the mobile channel. The teams are only required to feed the mobile services in accordance with the dynamic structure in for the flow to proceed smoothly.
A dynamic application front-end was prepared to easily integrate new products and orders into the system within pre-established rule sets and to support all versions. It was not required to carry out any work on the mobile channel frontend to add a new application. At the same time, using a similar interface for all approvals has been a useful experience in terms of user experience.

Customers were enabled to carry out transactions easily, without any time and location constraints,
Banking costs were reduced,
The costs of bank employees were reduced,
During the Covid pandemic, banking activities could be carried out at the same pace and even faster,
The customers were enabled to easily access any contracts that they have digitally approved,
Quick action was ensured with an easy-to-manage flow,
Fast adaptation for new approvals was ensured thanks to dynamic integration,
Development costs were reduced greatly with the dynamic structure,
Version restrictions are removed thanks to the dynamic structure.

First-ever in the market to perform contactless PIN transactions.
We created mobile application from scratching the project as an SDK (Software Development Kit), compatible with various types of Android platforms, devices, and existing Android POS devices.

Utilized existing core payment services within Akbank,
Enabling member merchants to accept payments via Android-based mobile application, eliminating the need for physical POS devices.
Contactless transaction limit is defined, not to require PIN on credit/debit cards, or mobile payment-enabled Android smartphones.
Transactions and credit sums are tracked in real-time, with instant access to specific reports.

First mover advantage for leadership in market, Huge convenience for business and customers. Demand from both large enterprises and SMEs. Opportunity for SMEs, to establish a system that can expand horizontally at a low cost, eliminating the dependence on real POS hardware.