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Project Background

The team of 200+ members worked for a year on a project to deliver probably one of the biggest Flutter applications in the world.

The banking environment is on a constant quest for change. The pandemic and lockdowns even strengthened and sped up the technology revolution in this industry.

During Covid, 60% of the banks limited the availability of their offices, and 51% have built the process for setting up the account online, according to a recent study published in the Digital Banking Maturity 2020 Report.

The demand for digital acceleration forces the banking leaders and market challengers to compete with the most innovative tools in their web portals and mobile banking apps.

Mobile banking applications currently enable users to run the complex KYC process, send transfers, make investments, access more complex banking products like scoring and quick credits, and use loyalty programs.

This new banking environment of 2022 has also inspired Credit Agricole Bank Polska to invest in building a new mobile banking application for its retail customers. It offers an entirely new quality of online banking service.

Such an investment has inspired our Client to make a huge organizational change and to build the agile project. Our client nominated a group of Product Owners responsible for the broad spectrum of feature sets represented by squads.

The development team consisted of 30 Flutter Developers working to build the next-generation iOS and Android mobile banking app. 

CA24 Mobile app is dedicated to retail customers. It’s probably the world’s biggest banking app in Flutter. An ultimate proof that the Flutter is enterprise-ready. Flutter proved to be ready for the delivery of a complex banking product.

Industry

Banking Industry

Today's most robust trend in the banking industry is the shift to digital, specifically online and mobile banking. Major banks across the globe are releasing new features in their mobile banking applications to attract new customers and retain the existing ones.

In today's era, customers get used to having more and more services at hand. People want to save time and shorten existing processes. Most of them avoid visiting a physical bank branch to handle their transactions or use other banking services.

64% of mobile banking users claim they would research a bank's mobile capabilities before opening an account, and 61% say they would change banks if their bank offered a poor mobile banking experience. In response to this, in 2020, 34% of banks implemented fully digital processes.

Nowadays, offering banking services via a mobile app and online isn't optional anymore. Banks need to provide various features and benefits – such as the fully digital process of account opening, chatbots with advanced use cases, applying for a credit card or loan, discount offers, remote authentication, and more – to attract and keep customers.

Credit Agricole Bank Polska decided to become one of the leaders in digital banking. Their new application, CA24 Mobile, offers a unique customer experience and user interface in the Polish market. It also provides a complete variety of features that will further develop. As a result, customers can manage their finances faster and conveniently - entirely remotely.

One of the most significant distinguishing features of the app, in addition to the Flutter technology itself, is the Benefits Club. These proposals are selected and adjusted individually for each client. Currently, there are over 1,400 offers. Customers can quickly redeem their discounts via the app.

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Services Used

Mobile App Development

Scope of Work

This project proves that Flutter is ready for large-scale enterprise projects.

When Credit Agricole Bank Polska was looking for the technology to deliver its brand new consumer banking application, several cross-platform technologies have been considered. 

Flutter proved to be the most efficient when it comes to the speed and ease of using complicated UI to meet the requirements of the complex design system prepared for the banking application.

The scope of work was divided into 12 squads, with different teams being responsible for selected parts of the customer journey. Two squads were non-functional and were intended to prepare the work for other teams.

The framework squad was responsible for the overall application architecture, selection of different tools, and performance of the application.

The Design System squad was preparing the atoms and components for other Flutter Developers to use while implementing different interfaces.

Our team operated in a tightly regulated environment, taking care of the complex delivery process which was using several different environments.

The noteworthy is that our team operated in an environment with different stakeholders, as other companies were involved in facilitating the mobile application development and providing the backend, infrastructure, and test-related services.

Thanks to the agile culture of work, all teams worked united around the same goal to deliver the best possible mobile banking application. In addition to the Agile strategy, the project also supported the idea of modern microservice architecture.

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Features

Opening Bank Accounts

Biometric Authentication

Product Management

River of Benefits

With the Know Your Customer (KYC) process this banking mobile app enables customers to open the regular, forex, and savings accounts in a quick and secure way. Customers can confirm their identity via mobile phone. KYC is an obligatory process meant to prevent banks from being used, by criminal elements for money laundering activities.

User Experience Design

One of the most important areas of developing a mobile banking application was meeting the challenging UX requirements set by the bank. 

The CA24 Mobile application was created from scratch following the User Experience created by Efigence, the Design Studio. LeanCode’s role was to implement the UX in the Design System, which ensured the integration of the different parts of the mobile banking application.

The central place of the application is the product management area. It consists of product cards known as the Accordion and they are the main part of the dashboard. The user can switch between them by swiping up and down. In the next phases, the cards' personalization will be introduced.

The cards contain basic product data and static buttons directing to specific functions (e.g., transfers) and dynamic buttons displaying incentives to use products and services. Dynamic buttons are controlled by the CRM system, serving personalized offers.

Managing the bank's offers and services was another challenge we faced as part of the project. The aim was to interest the user while avoiding the user's weariness. The bank decided to disperse the placeholders.

Offers appear in various places of the application - as subtle suggestions, but also dedicated product ghost on accordion cards (a card that suggests a product that the user can purchase).

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Features

Support Portal

Payments

Online Cash Loan Request

Runtime Application Self-Protection

The support portal allows you to contact a bank consultant using a chat or phone connection. When calling the call center via the application, the user bypasses the standard stages of identification on the hotline, and in the case of some processes (credit, account creation). In the support portal, there is also a map with the nearest bank branches, ATMs, and CDMs.

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Key Takeaways

  • The key takeaway was the application delivered by the team of 30 Flutter Developers, being a part of a 200+ team.
  • The mobile team has delivered over 165 features, within 1100 user stories, working full day for over 11 months.
  • The impressive result is available publicly since 18th May 2022.
  • What is truly impressive is that this app has been developed from scratch. It isn't an MVP but a fully functional mobile banking application that is in line with the very high standards of the Polish mobile banking market, with high customer expectations.
  • The range of features goes far beyond the market average and will be further extended in the future.

Additional Value Delivered

LeanCode was participating in building one of probably the biggest Flutter mobile application in the world. Our team of 14 Flutter Mobile Developers supported Credit Agricole Bank Polska with:

Advanced Flutter Expertise

System Architecture

Design System Implementation

Technologies

Platforms

Awards & Press Releases

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"Credit Agricole Bank Polska implements the next-generation application. Among the new features, there will be requests for a Blik transfer and payment for highways. The new app will also enable the opening of personal accounts by customers who have not been Credit Agricole's clients and include tools to facilitate personal finance management."
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The "CA24 Mobile - full of benefits" application has a new user interface with navigation elements such as accordion cards - on the first screen, users will find the essential information, a pull-out drawer with transaction history, or a bottom menu that breaks the usual patterns. New customers can also open an account with Credit Agricole Bank Polska remotely using biometrics.

How do we handle mobile app development?

1
Concept Exploration
2
Proof of Concept
3
Agreement
4
Product Design
5
Agile Development
6
Maintenance and Support
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