Additional services, seamlessly integrated into banking apps

Value-added services in banking apps provide users with value beyond basic functions. This creates new business opportunities for banks, issuers, and payment service providers.

Discuss integration

Why are value-added services important for banking apps?

Value-added services in banking apps encourage repeat use, strengthen customer relationships, and open up new opportunities - for personalization, product development, and mobile interaction.

Which value-added services make banking apps more powerful?

Loyalty, Rewards and Cashback

Loyalty Programs, Rewards, and Cashback

Reward & Cashback

Customer loyalty and personalized services

Digital loyalty cards, airport lounges, children's accounts, or even personalized stock reports

Customer loyalty solutions

Data-driven value-added benefits and new product services

Open banking, sustainability services, or digital card offerings

Open Banking as a data-driven lever for added value

Open banking provides banks with new opportunities to develop concrete, value-added services based on existing data. This can result in offerings that better meet customers’ needs. The example use case involving clarity.ai, formerly ecolytiq, demonstrates how data-driven services create real added value in the banking context.

Translate data into relevant services

Open banking data provides the foundation for better understanding user behavior and developing services that offer real added value.

Creating added value in banking

Services such as carbon footprint calculations enhance the banking experience for customers.

Expand personalization in a targeted manner

Banks are gaining new opportunities to deliver offers and services that are more precise and relevant based on real usage data.

Proof from a real-world project environment

The clarity.ai (formerly ecolytiq) case study uses HSBC as an example to illustrate how data-driven value-added services are making an impact in the market.

About the clarity.ai case

Kartenkonfigurator der exceet Card Group AG

Best Practice example: Card Configurator

The example of the card configurator, implemented by bluesource in collaboration with exceet Card Group AG, demonstrates that banks can integrate a personalized, digital card application process - including card production - as a turnkey solution. This mobile-first approach saves on budgets and reduces IT overhead, and can be quickly implemented even by regional or state banks. Physical cards are now produced only when truly desired. The image on the side shows the exceet Card Group’s card configurator.

An overview of additional value-added services

Value-added services can take many different forms. Depending on the target audience, product strategy, and app context, this leads to different integration approaches.