A fresh take on an award-winning mobile banking app
CROATIAN POSTAL BANK
We helped a leading bank appeal to a growing generation of digital-first users.
SERVICES
STRATEGY
MARKET RESEARCH
USER TESTING
PROTOTYPING
UI DESIGN
UX DESIGN
ENGINEERING
QUALITY ASSURANCE
PROJECT INFO
Introducing digital-first banking
The Croatian Postal Bank is the largest locally-owned bank in Croatia. They partnered with us in 2015 to create a new kind of mobile banking experience that would redefine industry standards.
The newly launched digital product marked the start of a new era for the Croatian Postal Bank. The app was met with unanimous approval, driving unprecedented engagement from existing customers, and enabling the bank to tap into a completely new demographic of digital-savvy customers.
Innovation sustained throughout the years
The Croatian Postal Bank’s success continued with accolades by trade and industry authorities. Shortly upon launch, it was voted App of the Year. It went on to win the Best in Tech & Innovation award for its pioneering features such as opening a bank account directly from the app and cardless cash withdrawal.
To this date, the app remains one of the highest rated mobile banking solutions in both app stores. Together with the Croatian Postal Bank, we keep innovating, enhancing the user experience, and unlocking new possibilities for the bank’s customers.
THE PROCESS
This project thrived with a hybrid methodology. We introduced Agile principles where applicable to ensure results, and retained the waterfall approach where it better suited client’s processes and legacy workflows.
Tradition in service of innovation
In the last couple of years we’ve witnessed the emergence of various fintech services. They are not the only ones who have changed user expectations about mobile banking–users of Croatian Postal Bank were accustomed to the same level of service from the get-go.
Security is priority
Croatian Postal Bank’s mobile banking is fully PSD2-compliant. Integrations and payment authorizations even more secure and reliable. Thanks to push notifications, customers are immediately notified when a transaction is about to take place.
Investments made easy
As micro-investing gains traction, banks are broadening their offering to provide clients with more ways to grow their money. Croatian Postal Bank makes it simple to enter or exit its investment funds.
Cardless across wallet
With Apple Pay, Google Pay, and Garmin Pay, Croatian Postal Bank enables cardless payments across phones and wearables. Everyday checkout is faster in stores and online, while cash remains within reach at contactless ATMs.
FRICTIONLESS PAYMENTS
Payment requests
Pan-European instant payment scheme makes money transfer between banks instantaneous.
Photo pay
Paying bills is made easier with an option to scan and pre-fill payment details.
Pay by contact (RPIR)
Users can now transfer money using the recipient’s mobile number, OIB (national ID) or email. No IBAN required.
Looks good, day or night
Award-winning app
The solution we’ve build with the Croatian Postal Bank is a holder of two recognitions for innovation in technology.
Shiny reviews
The app has high ratings on both App Store and Play Store, ranking among the top apps in Croatia.
Our collaboration with Infinum is proof that continuous digital transformation is only possible with a reliable technology partner that has a clear focus on clients’ needs and expectations. HPB has strengthened its position as a modern bank, ready to drive changes that are transforming banking towards digital solutions for an even better customer experience.
JOSIP MAJHER
board member, HPB