By connecting all present and future touchpoint applications to a shared digital banking hub, banks can eliminate disjointed customer journeys and provide a unified experience. The Hub, built on BIAN-based APIs, facilitates smooth data flow and functionality across channels. This approach not only enhances customer engagement but also simplifies backend operations, allowing banks to manage and update their digital offerings more efficiently across multiple channels.

Digital Edge Mobile Banking, built on the Adaptive Elements platform, showcases all the benefits of this approach. The app offers an extensive range of mobile banking functionalities and is production-ready, ensuring a consistent and high-quality user experience across both iOS and Android platforms. Each screen element is natively implemented for both operating systems, guaranteeing uniform performance and user satisfaction.

One of the key strengths of this platform is its modularity, which enables developers to reuse screen elements or “blocks” across multiple screens, significantly reducing development time. Additionally, screen composition, business logic, and validations are centrally managed on the server side. This setup allows banks to implement updates and new functionalities seamlessly, without the need for frequent mobile app store updates, thus enhancing operational efficiency and customer satisfaction.

Our Secure Mobile Application Platform (SMAP) underpins this efficiency by ensuring secure communication between the mobile app and backend systems. SMAP encompasses comprehensive security, authentication, and authorization measures, protecting user data and transactions. It manages activation tokens and integrates with additional security modules as necessary, providing a robust security framework.

This server-driven approach supports continuous improvement of the digital banking experience, ensuring that customers always have access to the latest features and design improvements. It also reduces the administrative burden associated with frequent app submissions and approval processes on different stores.

Our Web app is designed to provide a fully responsive and personalized user experience, seamlessly aligned with the mobile app and supported by the same backend system. This ensures reuse of all integrations across platforms and omni-channel experience.

Advanced features such as FX and term deposit negotiations, extensive personalization options, bulk management of templates and beneficiaries, and batched transaction management are some of the most important differences comparing to mobile app.

Our tokenized system makes Digital Edge easy to customize and rebrand. By reusing existing components, whether simple or complex, you can create new widgets or entire pages with less effort. This approach not only accelerates the design process but also enhances customizability and ensures consistent quality across the app.

We utilize Figma for our design process, adopting a mobile-first, user-centric, and data-driven approach to UI design. This methodology enables banks to efficiently tailor the Digital Edge interface to their specific brand and user needs.

Once onboarded, customers engage with Digital Edge apps for their day-to-day digital banking operations. Throughout this journey, ASEE CDP continuously analyses customer behavior and app usage, enabling banks to offer personalized product recommendations and targeted upselling opportunities. Additionally, by utilizing PSD Open Banking, customers can access their accounts in different banks and speed up different processes.

This seamless integration across all touchpoints not only enhances the customer experience but also improves operational efficiency for the bank, enabling more effective cross-selling and improved customer retention.

Security is fortified with the Authentication and Authorization modules. Authentication provides secure access through OpenID Connect Core 1.0 and OAuth 2.0, while Authorization supports sensitive action approvals using two-factor authentication. The Identity Management module further streamlines the user experience by managing credentials, enabling secure recovery processes, and linking external identity providers to user profiles.

The platform’s Operational Data Store ensures 24/7 availability of all touchpoints, even in cases where the core banking system may be unavailable. This redundancy not only improves the customer experience by minimizing downtime but also enhances the bank’s operational resilience. Another value of such approach is offloading the CBS and speeding up the end user interface and rendering (which may be slowed down by slower or loaded CBS).