Unified Digital Banking
Platform for a Leading
Islamic Financial Institution
Web and mobile banking platform enabling
self-service account opening, fund transfers,
and bill payments for a large-scale Shariahcompliant retail bank.
Client Profile
West Asia-based Islamic banking group operating an extensive branch and
ATM network, serving a large retail and business customer base across the
region.
Business Challenge
Branch-dependent account opening and servicing that slowed customer
onboarding.
Fragmented digital touchpoints across web, mobile, and business banking
channels.
Manual, paperwork-heavy workflows for fund transfers and bill payments.
Rising customer expectations for real-time, self-service digital banking.
Implemented Solution
Digital Banking Platform
Web and mobile banking portals supporting account opening, balance management, and e-statements.
Domestic and international fund transfers, recurring payments, and beneficiary management.
Payments & Integrations
Bill payment integration across major utility providers.
Support for Apple Pay, Samsung Pay, National ID system,, and government-endorsed payment rails
Security & Governance
Mandatory two-factor authentication across all transactions.
Session timeout controls and layered account access management.
Impact
Shifted account servicing from branch-led to self-service digital channels.
Reduced dependency on in-branch account opening and servicing.
Streamlined fund transfers and bill payments through unified digital
channels.
Strengthened transaction security through mandatory multi-factor
authentication.
Improved accessibility across mobile and web banking touchpoints.
Performance Highlights
135+ digital banking services available through the mobile channel.
Standard retail accounts activated within 24 hours.
Account opening reduced to minutes for eligible customers.
Enabled seamless digital transactions with integrated payment solutions, reducing reliance on branch-based services for everyday banking needs.
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