Over the years, ASEE has supported the client in developing mobile banking applications, advanced digital platforms, extensive security features, and key technological frameworks.
The collaboration expanded steadily across many of the group's regional banks, resulting in improved customer experience, strengthened security measures, and standardized digital capabilities. Through initiatives such as Mobile First and Mobile First 2.0, ASEE helped deliver more than one hundred new mobile functionalities, ultimately enabling the group to maintain leading market positions across its digital channels.
The client is one of Europe’s most established financial institutions serving more than 15 million customers. The group's extensive network includes thousands of branches and ATMs, providing comprehensive financial services to individuals, businesses, and institutions. Its offerings include retail banking, corporate banking, investment banking, and wealth management, delivered through an extensive network of branches and digital platforms.
The group’s operations span:
With more than 100,000 employees, the group is recognized for its strong regional presence and continuous drive for digital innovation.
As digital banking evolved rapidly, the group needed to modernize its mobile and online channels across diverse markets.
The key objectives were to:
The scale of the group and the diversity of its markets required a technology partner capable of long‑term collaboration and multi-country delivery.
The cooperation began in 2007, with ASEE developing mobile applications for two banks within the group, establishing the foundation for a broader digital transformation.
Key components of ASEE’s solution:
This comprehensive approach enabled the client to steadily enhance and standardize digital banking services across multiple regions.
2007 — Initial Projects
Development of mobile applications in two countries
2010 — Expansion to Central IT
ASEE begins collaborating with the group's central IT unit, expanding support to regional banks in eight countries
2016–2018 — Mobile First Initiative
Mobile becomes the primary strategic channel.
Numerous functionalities delivered to support continuous development and improvements.
2018–2021 — Mobile First 2.0 & Adaptive Elements
Major redesign of mobile applications.
Migration to Adaptive Elements framework.
Eight banks migrated within just 2.5 years, prompting additional banks to adopt the framework.
More than 100 new functionalities delivered across the group.
2008–2024 — Expanded Digital Solutions
Enhancements across mobile banking, 3D Secure e‑commerce transactions, Remote Key Loading, and Personal Finance Manager.
2020: Digital Origination launched for banks in two countries, expanded further in 2024 for one country Leasing.
2024: Collaboration highlights include a new SME mobile banking application in one country, offering a modern, user‑friendly experience with features such as personalized interfaces, improved navigation, quick access tools, and simplified payments.
Enhanced Customer Experience
Improved mobile banking interfaces and continuous functional upgrades strengthened the group’s digital offering.
Growth in Mobile Banking Adoption
Mobile First strategies led to a significant increase in mobile banking users across all participating markets.
Operational Efficiency
Streamlined processes and integrated digital solutions contributed to greater efficiency across regional entities.
Strengthened Security
Robust authentication and security features reduced fraud-related risks and improved protection across digital channels.
Sustained Innovation
Over a decade of continuous updates, more than 100 functionalities during Mobile First 2.0 alone, helped the group maintain a leading market position.
ASEE has delivered numerous solutions across the group’s banks, including:
Retail mBanking: 10 markets
SME mBanking: 9 markets
Security & Authentication: 10 markets
Digital Sales Platforms: 2 markets
Digital Origination (E2E): 2 markets
ATM & POS services via Payten: 6 markets
Additional services: eCommerce, Digital Signature, and more
Throughout the partnership, ASEE demonstrated:
These capabilities enabled the client to maintain a unified digital strategy and scalable development roadmap.
The long-standing partnership between ASEE and one of the Leading European Banking Group stands as an example of successful large-scale digital transformation in the financial sector. Over nearly two decades, ASEE has supported the client in strengthening its mobile and digital banking capabilities across multiple countries, continuously expanding the functional scope and technical sophistication of its digital channels.
This enduring collaboration continues to serve as a strong foundation for the group’s ongoing digital innovation journey.
