In 2014 we approached KCB and pitched to them the idea that banking app should be more a just transactional platform. If you can build a lifestyle app – a one stop shop platform that helps customers meet their day to day needs (and the bank is there just to facilitate these needs). So together with the wonderful people at KCB, we designed and developed the KCB Mobile App for KCB customers and non-customers.
The app was released to the market early 2015 and quickly rose to become the No. 1 app in East and Central Africa. To date, it remains the most downloaded and used banking app and is setting the pace in the banking and payments space.
In the year 2014, we approached KCB and pitched to them the idea that banking app should be more a just transactional platform.
At the time, mobile banking apps were still new in the local market and the uptake was low. Most banks were replicating the USSD experience
onto an app, not realizing that a smartphone is a different medium which opens so many possibilities: you can take advantage of the phone camera,
location capabilities, address book to create an immersive experience.
We proposed to KCB that we build a lifestyle app – a one stop place where both KCB customers and non-customers go to realize their wallet needs. Then the app would not just be a transactional platform; instead, it woul pull in the latest business insights and news, stocks from the NSE, forex markets, business/ saving tips. KCB were so jazzed with this concept that they nicknamed the app “Super App” – an app that integrates all their digital platforms into one platform.
KCB contracted us. A project team was quickly formed and we got to work. First was incorporating all the feedback we have gotten onto the original concept. We agreed on the requirements; worked on paper mockups which were a reflection of the requirements. Then came the graphical mockups, the prototype and then the development; testing and deployment.
The app was released to the market early 2015 and quickly rose to become the No. 1 app in East and Central Africa.
The app runs on all the major phone platforms: Android, iOS, Windows and BlackBerry.
Phase 2 of these project involved taking the KCB App to other markets where KCB operates in (Rwanda, Tanzania, Burundi)
In 2017 KCB started the Digital Financial Services unit, which is focussed on the mobile channel.
In line with this, KCB engaged us to revamp their mobile offering.
We revamped and redesigned the app, in line with emerging mobile standards to deliver a masterclass release of the KCB App.
Dubbed KCB MyKash, this new release combines M-PESA, PESALINK and MVISA to allow customers to pay directly to any bank, mobile wallet, Buy Goods merchant, Pay Bill.
It also featues a web platform (MyKash Web) for companies and SMEs to receive payments, do reconcilaitian, reports generation as well as statistical analysis.
A Phenomenal Success
It’s been great working with KCB. Working with them has placed us at forefront of innovation in the banking and payments sector; we are setting the trends so to speak and shaping the industry.
The KCB app was released to the market early 2015 and quickly rose to become the No. 1 app in East and Central Africa.
To date, it remains the most downloaded and used banking app and is setting the pace in the banking and payments space.
KCB appreciated our expertise and professionalism and approached us to provide other software solutions for them.
Our Other Solutions for KCB
This personal finance management tool. It enables customers to keep track of their spending, make payments at store outlets with paybills/ tills and QR codes, make direct transfers using pesalink, borrow loan(KCB MPESA and MYKash Loan) and pay school fees and make target savings. Agents are also able to buy float from the app.
mVisa is a new mode of payment by VISA for QR payments, merchant payments, agent cash-outs and p2p payments. To enable this VISA is partnering with various banks, including KCB.
KCB contracted us to design, develop and deploy mVISA.
The project involved three apps:
- mVisa for Consumer – this was incorporated onto the KCB App
- mVisa for Merchants – An app for use by merchant to collect payments, and generate dynamic QRs
- mVisa for Agents – An app for use by agents to make withdrawals and track deposits
This a web platform with built in analytics that allows schools, courts, and other companies to receive payments. Institution users log in and they are able to track payments made at the branch/ agent outlet as well as via MPESA, generate reports, reconcile payments, run statistical analysis of their financial position.
This platform is currently being used by over 10, 000 schools for tracking of fees payments. The schools can also:
- Send invoices to parents
- Send receipt to fees paid
- Generate reports
KCB Agency Platform
This a mobile app and web based portal used by the Agency banking unit of the bank. The app is used by branch consultants to make agents visits to the agency outlets countrywide to ensure compliance.
The web portal tool is used by the management to monitor the visits and generate reports.