Bringing Innovation and Superior CX for Abu Dhabi Commercial Bank

Client in numbers

39 yearsFounded in 1985
#3Largest bank in UAE's
1m + Customers

Problem statement

Design a unified process for paperless interaction with its individual private customers spanning all phases of the customer journey from initial contact, onboarding, and KYC to ensuring all customer interactions can be digital, convenient, and fully compliant.

Approach and solution

We created fully functional iOS and Android mobile applications utilizing a set of Open Bank APIs to demonstrate the capabilities of Flutter for rapid prototyping and to create rich applications with great customer experience. The POC that we developed had the potential to define the technology direction for the bank’s future projects in the field of mobile banking.

Impact achieved

  • Mobile apps with superior UI design and CX
  • Faster prototyping and time to market
  • More cost-effective development

Expertise and scope

  • Tech Stack: Flutter, Open Bank API

Accelerating Digital Transformation

Overview

Abu Dhabi Commercial Bank (ADCB) has embarked on an ambitious digital transformation program as part of the bank’s next 5-year strategy. The digital transformation roadmap covered multiple initiatives across business units and products/channels. One of these initiatives revolved around customer journey re-imagination and digitization to improve customer experience using mobile at the centre of a multichannel strategy and back-end processes digitization. ADCB relied on the knowledge and support of our digital user experience experts to help them deliver a best-in-class customer experience.

Challenges

ADCB sought to evaluate alternatives to Kony Visualizer to enhance customer experience. They aimed to develop an entire application flow using either Flutter or React Native to create a superior user experience, free from technological constraints. The goal was to facilitate a fresh user experience and enhance existing design language. ADCB required a strategic partner to help create, optimize, and evolve their digital journeys.

Solution

We designed a flow for an existing customer to secure personal finance and upgrade to Excellency through a promotion. Developed using Flutter and Open Bank API, the flow showcased several advantages of Flutter, including:

  • Near-native app performance
  • Ease of developing complex UI animations
  • High-performance cross-platform rendering engine
  • Shared UI and business logic across platforms
  • Reduced development time with ready-to-use widgets
  • Potential beyond mobile application development

We created fully functional iOS and Android applications utilizing Open Bank APIs to demonstrate Flutter’s capabilities in rapid prototyping and creating rich user experiences. This POC set the stage for ADCB’s future mobile banking projects.