Client: ProCredit Bank Kosovo

Region: Southeastern Europe

About this project

In partnership with FintechOS, we developed an innovative digital onboarding solution for ProCredit Bank Kosovo, transforming how customers open bank accounts. By seamlessly integrating the bank’s Mobile Banking Application and website, we introduced a digital-first account opening journey.

The process includes essential steps such as identity verification and signing contracts with a qualified digital signature, enabling customers to complete the entire process securely, efficiently, and in just a few minutes, all without visiting a branch. This solution delivers a modern, omnichannel experience, setting a new standard for convenience and flexibility in banking.

Services provided: Digital onboarding

Market impact

There is no question that migrating bureaucratic processes to a digital approach brings revenue to companies, not only because optimizes and lowers operational costs, but also because for ProCredit Bank this new solution represents a market advantage and an opportunity to welcome new customers.

Digital onboarding provides a seamless and user-friendly experience, allowing customers to open accounts and complete necessary steps from the comfort of their homes, this can lead to higher customer satisfaction and loyalty. By reducing the need for physical paperwork and in-person interactions, digital onboarding speeds up the process of assessing new customers, and most importantly prevents the loss of potential clients in the latter phases of the client-acquiring process.

Digital onboarding solutions often include advanced features like facial biometrics and liveness detection, which enhance security and ensure compliance with regulatory requirements. This is particularly important for financial institutions that need to adhere to strict Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.

Adopting digital onboarding gives ProCredit Bank Kosovo a competitive advantage by attracting tech and digital oriented customers who prefer digital interactions. It also positions the bank as an innovator in the market, which aligns with their strategy and vision.

Challenges

Timing was a pivotal challenge in this project. It was imperative to go live at the earliest possible moment to ensure the bank remained at the forefront of the market with this new service. All technical activities and integrations had to be carefully completed, imposing regular follow-ups, extensive support from all technical teams, and efficient project management for every related task.

Despite these challenges, the coordinated efforts with the Bank and partner led to the successful realization of the project.

By offering an omnichannel approach and meeting critical deadlines, we have established a new benchmark for banking services in the region.

Our approach

Building on our experience from implementing the Digital Onboarding process for ProCredit Bank Romania, we carefully managed every step of the project for ProCredit Bank Kosovo to ensure its success. Collaboration was key—we worked closely with skilled partners to bring the right expertise and support to the table.

Leveraging a low-code platform allowed us to streamline the integration of multiple systems and simplify the development process. This approach enabled us to adapt quickly to the bank’s specific requirements, ensuring a tailored solution that met both their operational goals and customer expectations.

The new onboarding process was designed to offer convenience and security. ProCredit Bank customers can now:

• Open a bank account directly through the Mobile Banking Application or website.
• Sign contracts electronically, removing the need to visit a branch.
• Experience an intuitive and user-friendly interface.
• Benefit from advanced security measures to safeguard their personal data.

Through close collaboration and the use of innovative tools, we delivered an efficient, secure, and customer-centric solution that aligns with ProCredit Bank Kosovo’s vision of providing modern, digital-first banking services.