Banking experiences loved by your users

The mobile app is now the bank’s primary touchpoint – often the only one. It’s where customers interact with their bank in everyday life, from payments and savings to support and product applications.

We bring extensive expertise in both design (product design, design systems, accessibility) and development (Android, iOS, AI), helping banks build digital platforms. Whether creating something new or evolving an existing solution, we ensure the channel can handle high usage and continuous development. A key part of this is moving away from vendor-locked layers and instead building a modern, modular architecture with full control over the customer experience.

The result is digital services that support flexible evolution and user experiences that meet customer expectations.

P.S. The mobile app we developed for Savings Bank was a finalist in the Grand One!

Onboarding is the customer’s first real experience of the bank, and one of the most critical for both conversion and regulatory compliance. Yet many banks still rely on fragmented flows with a high degree of manual steps and unnecessary friction.

We design and build the entire onboarding journey, from interfaces to integrations with identity verification, KYC, signing and core banking systems. We create progressive flows that minimize friction and collect the right information at the right time, reducing drop-offs and improving conversion.

We also have experience with more complex onboarding processes, such as for corporate and SME customers, where multiple stakeholders and roles must interact. In addition, we help banks continuously improve KYC processes, making recurring verification smoother for customers and more efficient for the bank.

The result is more efficient processes, higher conversion and better control across the entire customer lifecycle.

Identity management is a foundational requirement for all digital banking services. Flows include identification, authentication and customer management, each with strict regulatory requirements.

We design and develop identity verification and login solutions that balance strong security with seamless user experiences. This includes modern methods such as biometric authentication and passkeys, as well as step-up authentication for sensitive actions in line with PSD2 and PSD3.

We advocate for a modular architecture that prepares you to add new verification methods over time, such as EUDI wallets and emerging national ID solutions.

We also design how customers manage their accounts, profiles and security settings within the app, with a focus on clarity, control, and trust.

Credit decisions and fraud management require fast, accurate decisions without introducing friction into the customer experience.

We design and develop end-to-end flows for loans, mortgages, and credit cards, where the customer journey is tightly integrated with decision systems, credit bureaus, and other data sources. We have experience implementing and integrating platforms such as FICO and Provenir, as well as connecting data from open banking and other risk sources.

We also design customer-facing fraud experiences, such as authentication, transaction confirmations, notifications and card blocking – where the balance between security and usability is critical.

The result is solutions that enable faster decisions, improved risk control and a seamless customer experience.

Payments are one of the bank’s most business-critical functions, with high demands for speed, stability and user experience.

We have deep expertise in payment flow orchestration, checkout optimization and integrations with PSPs, both in the Nordics and internationally. We design and build customer-facing payment experiences – from transfers and payment initiation to status tracking and transaction history.

We help banks and merchants integrate and present new payment methods, such as instant payments, A2A and Request to Pay, in ways that work in practice. We also work with terminal integrations, checkout flows and optimization of conversion and fraud prevention.

Beyond implementation, we support strategic decisions such as selecting and procuring payment partners.

The result is payment solutions that are robust, flexible, and built to evolve over time.

Cards remain a core part of the bank’s offering, but usage is rapidly evolving with digital wallets and changing behaviors.

We help banks design and build modern card experiences, from real-time digital card issuing to adding cards directly to Apple Pay and Google Pay. We develop interfaces for card management with features such as real-time transactions, clear merchant and purchase information, spending categorization and flexible controls like blocking cards, adjusting limits and managing geographic usage.

We also design application and onboarding processes for credit cards, where credit assessment, KYC and issuing are integrated into a unified solution. Through our integrations and partnerships, we also cover adjacent areas such as acquiring and checkout.

The result is card services that are relevant in a digital context and work seamlessly in everyday life.

Savings and pensions are critical to customers’ financial future, yet the experience is often passive, fragmented and difficult to engage with. This is one of the bank’s biggest opportunities to create real value.

We help banks design and build engaging savings experiences that go beyond static balances. This includes goal-based savings where customers clearly see their progress over time, pension overviews that consolidate the full picture in one place and planning tools that make the future more tangible.

Through robo-advisory journeys, we guide customers from goals to action, with automated and personalized investment recommendations.

The goal is to make saving understandable, relevant and motivating, strengthening both the customer relationship and long-term business value.

The core banking system is the bank’s technical backbone, but it often limits how quickly new services can be developed. Many banks are undergoing major modernization journeys, introducing new platforms or gradually replacing existing systems.

We help banks build customer-facing layers on top of core platforms and adapt digital channels to new APIs and data models. Our focus is to ensure that a core migration actually leads to better customer experiences – not just an updated backend.

We also support the redesign and implementation of key service flows, such as account opening and product applications, in connection with core transformations.

The result is digital services that operate efficiently on top of a complex technical foundation – and deliver real value to customers.

Digital banking channels depend on a broad integration landscape of internal systems and external providers. Weak integrations are often a bottleneck for development.

We design and build integration and orchestration layers that connect vendors and existing systems, creating a flexible technical architecture for continued development. We have hands-on experience both building and consuming banking APIs, as well as developing partner integrations and APIs tailored for external developers. We also work with open banking and related authentication solutions.

The result is a flexible technical foundation that enables faster development and easier integration of new services.