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Banking & Financial Services

Unified Digital Banking Platform for a Leading Islamic Financial Institution

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 Shariah-compliant 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

Account opening reduced to minutes for eligible customers

Standard retail accounts activated within 24 hours

Enabled seamless digital transactions with integrated payment solutions, reducing reliance on branch-based services for everyday banking needs.