China Bank is a Philippine bank established in 1920. It was the first privately owned local commercial bank in the Philippines initially catering to the banking needs of Chinese-Filipino business people.
Tagit, a mobile application development company, approached Pixel Tie to become their UX partner in the development of China Bank’s very first mobile app.
The path towards digital transformation isn’t always easy. There were many challenges in shaping China Bank’s approach to online banking. This pushed us to be patient and to participate in a lot of workshops with the relevant departments of China Bank so they would have a deeper understanding of this topic.
With a strong mobile phone user demographic and a fragmented and unbanked segment, the main objective of the app is to empower the unbanked segment in the Philippines. This is not an easy task, considering that the country has more than 7,000 islands, with at least 50 million Filipinos remaining unbanked.
We spent six months in designing the mobile app with meetings, presentations, and workshops with the cybersecurity, marketing, and branding departments (among others) in Manila.
On top of designing the usual and modern features such as Touch ID, Accounts Management, Transfers, and Branch/ATM locator in Augmented Reality, our main focus was to implement new ways of payment nationwide.
To do so, we designed specific features such as "Pay to Mobile" or "JUMP" (Just Use your Mobile Phone) which enables clients to pay or transfer funds to anyone with a mobile phone number. The recipient, who may not have a China Bank account, can withdraw the money through any of the Bank’s ATMs by performing a cardless withdrawal, or transfer the fund to his own bank account through JUMP’s ‘Deposit to An Account’ feature.
The China Bank mobile app has been released to the public and as of October 2021, 100,000+ installations have been made on Google Play. Users are giving it an average review of 3.7/5 with more than 4,500 reviews.
The App also bags ‘Mobile Banking & Payment Initiative of the Year – Philippines’ award at the ABF Retail Banking Awards 2020.