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Asseco implemented brand new e-banking at Raiffeisen Polbank

Asseco Poland developed R-Online, a new Internet banking system for Raiffeisen Polbank’s private customers. It is based on the Asseco Customer Banking Platform (the Asseco CBP) proprietary solution, which allows bank customers to customize the platform’s appearance to suit their needs.

The project’s objective was to implement and provide private customers and small enterprises with an Internet banking system called R Online. Asseco Customer Banking Platform (the Asseco CBP) – an Internet and mobile banking solution, based on the concept of a mini-application – was employed in order to implement it. Contract for the project was concluded in June 2015, and the launch of the new customer system took place in July 2016.


Asseco CBP allows its users to freely design their banking experience and use a wide range of products and services available on the remotely accessed platform. This means designing IT systems for a specific customer segment is a thing of the past. Asseco CBP is intuitive and can thus be used by anyone; thanks to its flexible selection of mini-applications the bank can address its Internet and mobile banking to different customer groups.


Sławomir Filar, Head of the Project, Asseco Poland S.A.:  Asseco CBP allows customers / banks to quickly and effectively implement Internet and mobile banking. Its unique architecture, based on a platform, mini-applications, and adapters, provides unprecedented opportunities. It affords a different approach to the project and to the process of designing its scope and stages, delivering substantial business benefits in a very short time. Freedom of personalization, both for individual customer segments as well as their particular needs, is the key benefit of implementing this system.  


Quicker implementations
The project – given its scope – was completed in a very short period of time. This was due to several reasons. First of all, the division into mini applications means it can be implemented in stages. This allows the bank to launch certain system functionalities quickly and with zero risk. Secondly, the implementation was completed without shutting down the previous online banking system. Customers were free to decide when the transition to the new system takes place, at a time most convenient to them. Thirdly, Asseco CBP is working on mobile browsers thus eliminating the need to develop a native app, which the customer would have to download and install on their phone. Applying the RWD technology enabled Raiffeisen Polbank to quickly implement the Internet and mobile banking system that is working on every desktop computer, smartphone, and tablet. As a result the customer encounters the same features, the same graphics, and the same manner in which operations are performed on any device. This eliminates the need to ‘learn’ the new system on each occasion, as was the case up until now. Particular functions are not restricted only to certain devices;  therefore the customer should not fear that, for e.g., by using their smartphone they will not be able to carry out a certain operation available on their desktop computer.


Personalized banking
Bank put the emphasis on customer convenience and ease of use, hence the most commonly used functions are intuitively located and are readily accesible. All information within the system is presented to the customer in a transparent and aesthetically pleasing way, so that they receive whatever they need immediately, without wasting their time looking for the particular information and diving deep into the menu structure.


Tomasz Dymowski, Head of Retail Offer & CRM at Raiffeisen Bank Polska S.A.: The new service is based on the architecture of separate applications, known from smartphones. We thus have a separate mini-application for accounts, deposits, or payments. Such an arrangement simplifies and shortens the time required to perform individual operations. When you add the possibility to personalize any of these applications, their choice, layout, making shortcuts for the most commonly performed transactions (so that they can be performed with a single tap or mouse click), then what you get is a service that each customer can configure to suit them perfectly, in order to use it quickly and conveniently.


Based on the currently implemented solution the bank can expand the system, both in terms of other types of devices, as well as regarding its functional scope. Importantly, the bank may extend the offer themselves.