Mobile Banking App Development Solutions In Nigeria, Africa

Introduction

Client Name
Guarantee Trust Bank Ltd.
(GTCO PLC.)
Business
Banking & Finance.
Retail, Commercial
& Corporate Banking
Country
Africa

Considered as Africa's best bank, Guaranty Trust Holding Company PLC also known as GTCO PLC is a multinational financial services group, that offers retail and investment banking, pension management, asset management and payments services, headquartered in Victoria Island, Lagos.

₦ 4.945Trillion Assets
12k+ Employment
₦ 814.4Billion Shareholder's Fund
Featured as subject of
Harvard Business School Case studies

Best Digital Bank in Nigeria

Services in

Cote D'Ivoire
Gambia
Nigeria
Ghana
Liberia
Kenya
Rwanda
Tanzania
Uganda
Sierra Leone
United Kingdom
Kingdom

Business Goal

GTConnect would provide an ecosystem to consumers that offers social interactions,
banking services, eCommerce, news & updates on a single interface. Additionally it
provides a revenue generating platform for vendors and content providers to market their
content over the platform.

Client

Olusina Ayegbusi (CIO, GT Bank)

Through new GT Connect application,
non-account holders of GT Bank Nigeria
can be directly reachable. Appending
other prominent service segments apart
from the basic banking features of the
application, attracts all age group the
most.

Pain Areas

Accessibility issues due to internet
connectivity problems in Nigeria
User experience issues due
to multiple platforms
Marketing & advertising complexities due
to user base across platforms
Administrative complexities of managing
different platforms for different verticals
Lack of single integrated intelligent
dashboard for decision making
Feasibility concerns considering an
all-in-one platform requirement
Third-Party platforms
dependencies
Lack of other industry
expertise in GT Bank team

Hidden Brains Approach(Discovery & Analysis)

The start of discovery phase of the solution. This involved, identification & understanding the vision, objectives and goals resulting in defining the starting point.

Identify and prepare workflows. In depth Analysis of the Workflow carried together with defining the business model of the product, and identification of the busienss cases.

Technical feasibility checks, risks identifications, dependencies, deriving multiple technical options, aligning the technical options with the business needs, and creation of POC helping in selection of the right approach and technology selection.

Understanding theVision
Understanding theWhy
Defining theWhat
Defining theHow
Checking theViability
Deriving theWhen

This started with understanding the current IT & software infrastructure of GT Bank, together with currently existing platforms and capabilities. Understand the purpose of each applications & modules.

Wireframes & prototypes created to convert the user journey into user experience on the platform. Defining the architecture, product design, modules, interfaces and data for the system to satisfy specified requirements.

Identification and selection of the priority features based on the business goals. Preparation of the product roadmap considering priority feature releases for the MVP.

Hidden Brains Solutions

Online Multivendor Marketplace

Multivendor ecommerce marketplace platform design, and development plan to enable buyers & sellers to connect & transact.

Merchant onboarding
& seller portal
development
Quick payments through
advanced shopping card
development
Customer journey
tracking for retail
shopping
Deals & loyalty programs
solution
Payment software
solution
Targeted advertising
Logistics & shipment

Utility Bill Payments Solution

Definition & designing of digital Payment solution leveraging Electronic Payment technology for Convenient Bill Payments & Collection.

Merchants onboarding to leverage payment software solution

Bill generation through bill payment app

Bill Payments through real-time
payment solution
Bill sharing with friends & family
Scheduling payments
Split bills between users

Core Banking Solution

System design for custom banking software development solution enabling digital payments for all users and the entire bouquet of GTBank services to account holders

Online/Offline transfers through
core banking software system
Mobile Top-Ups
eWallet & virtual cards
Request, replace & block cards
through banking application
Account opening
Loyalty programs
QR payment through hi-tech
fintech solution
Personal financial management
Insurance policies management
Loans management
Cardless withdrawals

Digital creation & publishing platform

Solution design for Custom content publishing software platform development providing content creation solution, to engage the platform users through the digital publishing solution.

Publisher onboarding through
publishing app platform
Automatic content moderation via
advanced publishing platform
Videos publishing &
creation
Marketing & advertisements
through custom advertising solution
Consumer interaction analytics
& payments
Online/Offline audio/
video player

Audios &
podcasts
Games
publishing
New &
magazines
Blog
publishing

Custom Messaging APP

Design for Custom Chat application development to build community of visitors via engagement & transaction processing

Contact management
one-to-one & Group messaging through the instant
chat app solution
File sharing
Chatbot embedded into the instant messaging
application
Messages using emoji,
stickers, badges
Bill payments through real-time digital payment
solution
Moments - available for 24 hrs.
Audio & video chat through the messenger app
Payments & transfers

Application Store development

Plan for Custom app marketplace development to enable app developers to get enterprise applications tested by community before actual launch

App approvals
App analytics
App private store
App reviews
Social community

Custom Website Builder

Technical design for developing free website builder and custom website design solution & Provide IT infrastructure as a service (hosting) to small businesses through no-code website development

Webpage &
website builder
Webpage templates
management
Hosting
services
Subscription
packages
Storage space
management

Achievements

1200
Man hours of
brainstorming
1500
Man hours of
research
7
Applications Prototype
built in 8 weeks
54
APIs from 6 third-parties
reviewed
4
POCs created for
different modules
Offline application
architecture defined

Technical Information

Prototype Tools
Axure RP Figma
Design Tools
Sketch Photoshop
Diagraming Tools
Axure RP Figma
Other Tools
Atlassian JIRA Atlassian Confluence Slack

To complete the prototype of all applications in short period of time is like magic. Cannot imagine completing this in 8 weeks without the dedication & expertise of Hidden Brains team.